Shops In The Storm Depend On Competitors Or The Biggest Risk.

August 25th news

A few days ago, foreign media reported that ant gold suit would no longer renew cooperation agreements with interest shops, resulting in a sharp fall of nearly 11% in interest shops on Thursday, closing at $6.86.

Today, interest shop confirmed the news, saying cooperation with ant gold clothing will not be renewed after expiration of August, which will make the price of interest shops continue to drop sharply.

This is not the first time that the ant's gold costume has caused a sharp fluctuation in the price of the shop.

Last year, the store announced that it would adjust the annual interest rate of the credit products that Alipay drains through the notification of ant gold service. The maximum annual interest rate of all loan products directly drained from Alipay will not exceed 24%.

With the announcement of the news, the stock price fell 24% on the same day, because the previous store said in the prospectus that if all interest rates were adjusted to 36%, the company's revenue would be reduced by about 307 million yuan.

This is the embarrassment of interest shops. Ants' gold clothing has a great impact on them. Its prospectus shows that if the market position or brand of ants is damaged, the brand of interesting shops will also be affected.

However, ant gold clothing is one of its competitors. It is the biggest tycoon in the staging market where the main business of hobby shops is staged. Its user size of gold clothing has already broken 100 million, and the average monthly loan is RMB 700 yuan.

On top of that, Alipay's credit leased business has also entered into a competitive relationship with the store store.

On Alipay, as long as sesame credit is enough, you can avoid rent and rental items, from digital to daily necessities, and the rent is not high.

And the store store has been exposed. The total price of iPhone 7 purchased in 12 phases is nearly 1000 yuan more than that on Jingdong, and its competitiveness is slightly insufficient.

In addition, one of the most important abilities of Internet financial companies is wind control capability. The risk control of interest shops mainly depends on the sesame credit score of ant gold clothing and the information of Taobao receiving.

And in terms of customers, CEO and founder Luo Min has said that 2/3 of the customers in the shop are from Alipay, which is owned by ants.

In addition, 17 years ago, the shop did not have to pay the cost of the channel to Alipay. After that, it only paid a lot less than the average price of the industry.

After the cooperation between the ants and the shops, the cost of the customers will be greatly increased, resulting in a decline in net profit. Moreover, the shop will not be able to analyze the customers by using the sesame credit scoring system, and its ability to control the wind will be faced with great challenges.

Let's wait and see how to take measures to ease the labor pains caused by the cooperation between ants and gold garments.