What kind of Internet financial management model is vehicle crowdfunding?

Hello. Vehicle crowdfunding was born in early 2015 and belongs to the category of property rights crowdfunding, which is a new type of Internet financial management model. The so-called vehicle crowdfunding is to purchase the corresponding second-hand car through crowdfunding on the Internet platform, and the property rights of the second-hand car belong to all investors, and the difference in the middle price is shared by selling the second-hand car.

What users hold is no longer P2P creditor's rights, but property rights, and the income** is shifted from investment interest to business dividends.

1. The difference between vehicle crowdfunding and traditional P2P:

Compared with P2P, vehicle crowdfunding has the following characteristics:

1.The cycle is short. Taking the vehicle crowdfunding project of Xingfami Crowdfunding as an example, the investment cycle of vehicle crowdfunding does not exceed 60 days, and the average investment period is 30-35 days.

2.High yields. Taking Xingfa Mi vehicle crowdfunding as an example, the average annualized return of vehicle crowdfunding investment is 25% to 35%.

3.Low risk. The underlying assets of most P2P platforms are creditor's rights, but creditor's rights are prone to problems such as unclear property rights and cumbersome procedures. Vehicle crowdfunding is to obtain the ownership of a specific vehicle, with clear property rights, simple procedures, large market demand, and fast realization.

Second, the business process:

1.Launched crowdfunding--- everyone raised money together to buy a car.

The car dealer provides vehicle information to the Xingfa Mi crowdfunding platform, and then the platform initiates crowdfunding, and investors are free to contribute to crowdfunding according to their own judgments).

2.Successful crowdfunding --- enough money is raised for everyone to own the car together.

When the crowdfunding bid is full, the subscriber becomes the co-owner of the car and enters the sales of the vehicle).

3.Accept the deposit --- find a buyer for the vehicle.

Obtain vehicle buyers through its own sales channels and strategic cooperative car dealers, and both parties agree on a suitable transaction** and collect a deposit).

4.Initiate a poll --- everyone votes together on whether to decide**.

The system will initiate and complete the voting within 6 hours according to the proportion of the investment amount, and more than half of the likes will accept the buyer** and agree to the vehicle ** by default. ）

5.After completing the dividend--- everyone divides the dividend and counts the money together.

After the completion of the vehicle, the platform and the investor will distribute dividends in accordance with the agreed profit distribution plan. ）

The second-hand car market is not very prosperous at present, crowdfunding is to increase the utilization rate of second-hand cars, if the market is not good, so long can not drive profits, just like the current taxi software is the same reason.

Crowdfunding is translated from the word crowdfunding abroad, that is, crowdfunding or crowdfunding, which refers to the mode of raising project funds from netizens in the form of **+ pre-order. Compared with the traditional financing method, crowdfunding is more open, providing unlimited possibilities for more small business or creative people, second-hand car crowdfunding is a type of property rights crowdfunding, which refers to the release of fundraising projects and raising funds through the Internet for the acquisition of cars, and the profits from the sale are distributed according to a certain proportion with investors. Manual code words, hope to adopt!

The crowdfunding platform with intermediary positioning has built a bridge between car dealers and investors, and car crowdfunding allows more users to experience the fun of car crowdfunding by building an Internet platform and releasing fund-raising projects, and car crowdfunding is to raise a sum of money through the platform crowdfunding, and the investor bids through the car crowdfunding platform, the crowdfunding is successful, the vehicle is sold, and the profit from the sale is distributed according to the investor's investment ratio, and the platform charges a certain amount of commission and related handling fees, if the vehicle has not been sold after the deadlineThe platform adopts a premium repurchase to ensure the safety of investors.

Introduction to the domestic second-hand car crowdfunding model:

1) The car dealer obtains the car source information and selects a second-hand car with a certain profit margin to launch crowdfunding in **;

2) If the target amount is successfully raised within the specified period, that is, the crowdfunding is successful, if the target amount is not raised, the subscription amount will be returned to the investor's personal account without any benefits;

3) The successful crowdfunding of the vehicle in the car dealer consignment, when there is a buyer who intends to buy, the investor for the vehicle **** to vote, the general vote more than half of the crowdfunding platform will contact the car dealer will be the vehicle, and go through the relevant procedures;

4) After the completion of the formalities, the funds will be received, and the platform will collect a certain amount of commission and deduct the relevant handling fees to the investor, and the investor will obtain the principal and profits, and the profits will be distributed according to the proportion of the investor's capital contribution. If the investment period is exceeded and the vehicle has not yet realized the earnings, the platform will take a premium repurchase to ensure the safety of investors' assets.

Yuche Finance is a platform with second-hand car crowdfunding as its main business, providing investors with short-term, high-yield, and safe investment projects, and is committed to providing investors with a safe investment environment.

Auto crowdfunding is to raise relevant funds through the honeycomb platform to buy second-hand cars, the ownership belongs to all investors, and then sell second-hand cars to earn dividends. This profit model belongs to property rights crowdfunding.

I don't know anything else, I only know that Yutong crowdfunding is better.

Automobile crowdfunding mainly solves the problem of selling second-hand cars, solving the problem of difficult financing for car dealers and investors not being able to find investment channels, and the popularity of the second-hand car market has laid the foundation for the development of the automobile crowdfunding industry.

In addition to person-to-person second-hand car transactions, the mainstream of the market is that professional second-hand car dealers first pay to collect vehicles with room for sale premium, and then choose the opportunity to sell. But the problem is that second-hand car dealers need external funding support because they have to collect a large number of cars and have serious lack of their own funds. The traditional model is the debt model, where money is borrowed at a certain interest.

The advantage of this is that the income from selling the car will generally be much greater than the interest, and most of the profit will go into your own pocket. The disadvantage is that you have to bear the business risk and capital turnover risk, because the car may not be sold when, and your interest needs to be paid all the time, and the time period of selling the car and the cycle of capital borrowing are difficult to match.

The model of car crowdfunding is completely different, it is a kind of equity play. Investors invest money in the crowdfunding platform, the crowdfunding platform buys the car and holds it on behalf of the company, and then allows the various cooperative car dealers to find the right buyer, **suitable, investors can choose to sell or continue to hold, once the sale will form a price difference, and then the car dealer and the investor will be divided according to a certain proportion, such as fifty-fifty shares, and the investor will be divided according to the proportion of the share invested.

Because cars are sold for a relatively short period of time, the annualized returns can be very impressive. For example, a car of 500,000 yuan is sold for 550,000 yuan a month, and the annualized return is as high as 120%, and the annualized return of half of the investor's share is also as high as 60%. Often, the faster the car is sold, the higher the annualized return may be.

The term is short and the income is high, so car crowdfunding is very popular as soon as it comes out.

Of course, not all of them can be sold so quickly, and if you sell late, you don't have to worry, the crowdfunding platform will generally sign an agreement with the cooperative car dealer, for example, if it cannot be sold in 3 months, it will buy back the vehicle with a certain fixed interest. For example, many platforms now promise 3 months, generally 8% interest to repurchase.

1. The platform launches crowdfunding.

2. Users participate in investment.

3. Successful fundraising, enter the ** medium.

4. Users who are interested in purchasing will be voted by the platform.

5. Vote successfully, agree**.

6. Success.

7. The platform deducts the commission and remits dividends.

Wan Yuan Fu cooperated with a well-known second-hand car dealer to launch a crowdfunding project through the selection of high-quality second-hand car resources, and then sold at a higher price after the funds raised. There is a difference between the purchase price of a second-hand car and the market price) and the profit is shared with the investor.

1. What is the background of the rise of second-hand car crowdfunding? In 2015, the growth rate of the domestic automobile market slowed down, with the annual transaction volume of new cars reaching 24.6 million, and the annual transaction volume of used cars reaching 10,000 years, a year-on-year increase. Among the top 10 used car transactions, Jiangsu Province ranks second.

In 2015, the ratio of domestic second-hand car trading volume and new car trading volume dated, and the second-hand car market has great potential.

2. What is the operation model of second-hand car crowdfunding? Second-hand car crowdfunding belongs to Internet finance, but its investment history can be traced back to offline car dealers' fundraising and investment, and now it has developed online to break the previous geographical restrictions. Some mainstream crowdfunding investments in the market are also online Internet crowdfunding, and Internet finance is the current and future trend.