对话买单侠创始人 胡丹

Dan Hu has seen it all. From leading multiple successful investments for Sequoia China during the 2010-2014 tech boom to helping found ZhenFund (China's top seed fund), Dan has always had an eye for finding the next big thing. That penchant for uncovering opportunities has led him to found Omni Prime, a mobile consumer finance service company that provides payday loans to low income entrants with a complex, app based risk evaluation system.

In China, hundreds of millions of consumers still do not have formal credit ratings. In particular, students, farmers, and blue collar workers lack credit scores, not because they are subprime debtors, but rather because they haven't previously borrowed money or needed to make any repayments. That makes it impossible for traditional financial institutions to make assessments, and unlocks an interesting opportunity for internet companies that are more risk taking, that have lower operating costs and an ability to iterate more quickly on risk management.

On today's podcast (via skype call), we explore this underserved segment to better understand the market opportunity, competitive dynamics, and commercial applications. Why are blue collars underserved by credit cards? How can 3rd party offerings compete against the consumer finance solutions provided by eCommerce giants (Aliababa and JD)? How do consumer finance players find the right entry point in a fragmented market where 80% of commerce still happens offline. What are the primary consumer scores and how do they differentiate (e.g. Omni Prime's Octopus Credit vs. Alibaba's Sesame Credit)? How will this market evolve in the near and medium term?

胡丹阅历丰富，从2010年至2014年的科技热潮中，他在红杉中国主导多个投资项目，到协助创立真格基金（中国最大的种子基金公司），胡丹始终能够运用一双慧眼洞察到别人发现不到的事物。正是由于这种善于发现机会的天赋，使他成立了买单侠。买单侠是一家提供移动消费者服务的公司，它运用一种复杂、且基于app的风险评估系统，来为低收入人群提供发薪日贷款。

在中国，数亿消费者目前尚未拥有正式的信用评级。尤其是学生、农民、蓝领工人，他们缺少信用评分。并不是因为他们是次级债务人，而是由于他们之前并未有过贷款或者还款的需求。这就使传统金融机构无法进行评估，因此互联网公司想要给予他们借贷机会便意味着要面临很大的风险。这也就降低了风险管理的运营成本和更新迭代速度的能力。

在今天的这期播客（通过Skype网络通话）中，我们将针对这个不足，探讨如何更好地了解市场机会、竞争动态和商业应用；为什么蓝领不使用信用卡；第三方如何与电子商业巨头（如阿里巴巴、京东）提供的消费者金融方案相竞争；消费金融玩家是如何在80%均为线下交易的分散市场环境前提下，正确找到突破口的；什么是消费者评分以及它们的区别（如买单侠的章鱼信用和阿里巴巴的芝麻信用）；以及这个市场在近期和中期将会如何发展。