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集奥聚合:瓜子二手车金融渗透率最高

2017-09-04 11:36:00   中国经济网

中国经济网北京9月4日讯 近日,第三方数据整合和场景化应用平台集奥聚合发布了《2016二手车市场洞察报告》,报告聚焦二手车市场发展、二手车用户画像、ToC交易模式的二手车电商、ToB交易模式下的二手车电商等几大部分,详细分析了2016年二手车电商发展。此份报告指出,瓜子二手车金融渗透率最高,领跑行业。

根据集奥聚合的这份报告,瓜子二手车金融渗透率最高,为18%,其次为人人车10.5%,而优信二手车的金融渗透率仅为6.6%。在二手车电商领域,瓜子二手车金融渗透率数据大幅领先其他平台,优势突出。(备注:集奥聚合金融渗透率公式:金融渗透率=访问A网站二手车金融相关页面的UV/访问A网站的UV*100%)。

集奥聚合是国内第三方数据整合和场景化应用平台,聚焦金融、汽车、房产、旅游、教育等行业,致力于深度挖掘大数据的商业价值,基于人工智能、机器学习等前沿技术,依托精准匹配模型以及对算法的迭代优化,构建了一系列大数据生态产品。

瓜子二手车金融高速发展与其重点布局密不可分。依托于场景化的交易,在大数据和人工智能的基础上,瓜子二手车搭建了产品最丰富的“1+1+1”矩阵式金融开放平台,增强了平台服务能力,以创新、完善的服务能力有效承接了线上客户,不仅有效提高了效率而且大大改善了用户体验,更帮助瓜子金融实现让“贷款买车的过程像全款买车一样便捷简单”的效果。

在此基础上,瓜子金融获得了高速发展及权威部门的认可:继获得融资租赁牌照后,瓜子二手车在2016年底获得了二手车电商领域首张互联网小额贷款牌照;经中国人民银行征信中心批复同意,瓜子二手车接入中国人民银行征信系统。瓜子二手车CTO张小沛透露,瓜子从去年7月开始做金融,2016年12月,月贷款申请额已经达到100亿;车贷领域的行业平均坏账率高于2%,瓜子却做到了低于万分之1.5;行业平均渗透率在8%以下,瓜子在主流一二线城市的金融渗透率超过20%。

随着二手车电商的兴起和快速发展,二手车金融也成为各家掘金并加大投入的领域之一。国汽车工业协会预测,2020年中国汽车金融市场的渗透率,将有望达到50%。在交易量及金融渗透率的双重驱动下,我国二手车金融市场在未来6-8年将达到万亿规模。在瓜子二手车等电商平台的不断创新和努力下,二手车金融将会进一步爆发。

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