The evaluation product is a relatively typical
However, capital costs are affected by the company’s capital strategy and liability-side business. Therefore, reducing risk costs is the main direction for further improving the profit margin of the product. Specific measures Including optimizing risk strategies, improving collection efficiency, etc. ) Marketing costs account for % of the total costs. Marketing costs can be reduced by improving marketing efficiency through accurate customer portraits, bringing offline marketing links online, strengthening channel management and reducing the proportion of channel profitsharing After periods of performance, according to statistics, the interest Guangdong Mobile Phone Number List income (including penalty interest) was million yuan, the principal of non-performing loans was million yuan, and the marketing cost (including profit distribution) was million yuan. At the same time, it was calculated based on the company's overall capital cost rate. , the capital cost of the loan that month was about million. This evaluation method evaluates the profitability performance of credit products during a certain period of time in history from the perspective of financial income and cost.Internet micro-credit product in the current Internet loan market. In the business model of Internet micro-credit products Since there is no manual
https://lh7-us.googleusercontent.com/q2Ajlz6V8k9b1W0261ipBfDMqUW0IJ1uXPKFVOXnmK3JK-lgeRc3LlBt5n79oLZL5M_CMwfxpvMDZFDXPpbHIpGqH14qmu7aJ2gMOoxxonxDx23orLjMilZVE54yZwEVOegW6Jr-tKIKgzcG
intervention such as on-site investigation, telephone verification, manual approval, etc., the product elements of this type of product have certain similarities. Product elements. Since supervision requires entrusted payment for loans exceeding RMB ,, usually the maximum amount of such Internet loan products does not exceed RMB ,, and the average amount does not exceed RMB , Due to strict regulatory requirements for current loans not to exceed %, product pricing is usually between % and %; in order to ensure the effectiveness of Internet loan customer qualification assessment, the term of most such loans in the market is usually within terms; At the same time, in order to facilitate customers' planned repayment, the repayment
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