Page 107 planning and design of enterprise digital transformation

§PC The transformation trend from end to mobile end is obvious , The transformation of Internet enterprises to mobile Internet enterprises , Mobile first strategy Present mobile 、 Socialization 、 platform 、 Open up 、 The development trend of industrialization , Ubiquitous 、 transboundary 、 polymerization 、 Wisdom is the direction of development , Focus on user experience and user value , Fully integrate into all links of the enterprise value chain and personal life scenes such as clothing, food, housing, transportation and play , Enterprise services are everywhere  

Pay by mobile 、 The core application is big data , To e-commerce 、O2O、P2P And so on , Around the Internet Ecosystem , Continue to promote product innovation 、 Customer experience innovation and business model innovation § Optimize business structure , Change the extensive type into intensive management , Realize asset light 、 Off balance sheet business expansion of light capital § Develop asset management 、 Investment enterprise 、 Asset custody and other market-oriented businesses , From a traditional enterprise to a data analyst 、 Match traders and wealth managers  

Serving the national strategy , Serve the real economy §•P2P The company is close to 2000 home , About market size 0.2 Trillion yuan , The proportion in the whole financing system is still very small • Loan customers are mainly small and medium-sized enterprise customers , There are few personal loan customers • There are few pure online modes , Mostly online and offline , The investment side is mainly online , The asset side is mainly offline , marketing 、 High operating costs • The loan interest rate is high , Information is not transparent , Pure online big data risk control technology is not mature , High credit risk , Platform risks and benefits are not equal • Enterprises directly enter P2P less , The main reason is that the regulatory policy is not clear , But there are many enterprises and P2P Company cooperation , Layout P2P• Develop into vertical segments of the industry , Provide features 、 Professional services • Integration with supply chain enterprises , Realize the combination of industry and finance ; • To the trading platform 、 Information intermediary platform 、 Comprehensive network financial platform and other comprehensive platforms • With the regulatory policy clear , Enterprises will quickly enter P2P, Give... With the advantage of enterprise credit P2P The industry brings opportunities for rapid development • Enterprise development and P2P The scope of cooperation of the company ： The customer recommended 、 Information sharing 、 risk assessment 、 Fund custody 、 Capital flow monitoring 、 Loan collection 、 asset protection 、 Entrusted loans and other all-round cooperation • The enterprise is established by means of self operation or joint operation P2P platform ： Customer self-service credit evaluation and credit extension ; Social credit assessment （ Social credit 、 Acquaintances ）; Social credit implicit guarantee credit enhancement ; Acquaintance credit explicit guarantee credit enhancement ; Follow up investment loan 、 Lead investment loan model innovation l The mall has established a data warehouse for the whole retail business , It integrates foreground business operation data and background management data , A retail oriented management analysis application is established ;

Consumer enterprises have developed supply chain enterprises 、 Renren loan, factoring and other businesses , Accumulated a certain amount of business data , At the same time, business personnel also from customer management 、 Risk rating and business scale prediction , Put forward a large number of analysis and prediction

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