Evaluation Of Internet Financial Corporate In China

Compared with the "After 80s", the original Internet Financial generation, bursts of excitement, the traditional financial generation that noble privilege is the endless anxiety. Starting in 2013, "Internet+ Finance" as a hitherto unknown Civilian posture, becomes one of the most hot spots of the people. also becomes a popular phenomenon in China today. After nearly 3 years of development, "Internet channel+ finance", "Internet data+ finance", "Internet technology+ finance" Full bloomed, accelerate promoting the traditional financial institutions' transformation of Internet, it deeply affects every financial consumers of Internet concept.Yirendai was introduced by EaseCredit Corporation in 2012, is one of China's mature online financial services platform. Through the Internet channel, big data analysis and other scientific and technological means, Yirendai accurate positioning of Chinese urban white-collar crowds as the target users, providing credit loan advisory services. Meanwhile, there's also another online platform named as " Yiren Financial", providing financial advisory services for investors. On December 18,2015, Yirendai was listed in the New York Stock Exchange of the United States. This events became the first Chinese Internet Financial corporation listed overseas.Yirendai subdivisions target user group, after a thorough understanding of user needs, layout of a variety of financial product lines. it's financial products cover borrowing money, invest money and other models for Internet users. Based on the user's mobile Internet behavior, focus on enhancing the user experience, and applied to big data innovation, optimize the risk control model for the mobile terminal loan application. From the user experience to further enhance the user's attention, to create a better user perception, the operation process is more fluid, the response efficiency is more rapid, integrated the user's feedback and behavior data into the decision-making model, and then optimize the risk pricing accuracy.How is Yirendai to achieve successful listing? Where is the potential development of the company and how about the profit growth points? What are the challenges of the company in the future? And whether the company has investment value?This article will apply one of the Internet Financial valuation theories, The User life cycle's valuation method, to analysis the value of Yirendai. Firstly, it'll analysis the domestic Internet Finance industry, exploring the external environment of Yirendai then, refined gradually, followed by the analysis of Yirendai's business model, financial situation, capability of potential development and challenges with the developments, quantifying the investment value of Yirendai with the valuation model as well. Finally, integrating the multi-angle's analysis, come out the conclusion that whether this company has investment value or not.