Port communication在拥有海量低端用户、拥有大数据技术的 BATJ 们看来，网络小贷是个高利润市场，而且是银行们没有能力做的市场！ 这，就是各个网络巨头削尖脑袋也要入场网贷、培养用户借钱的最重要原因，也是马云卖血卖肾地为趣店站台的根本原因！
虽然国家规定的网贷利率不可能达到高利贷的水平，但是年化利率 18%、15%，or 12%，就算只有 10%，也非常惊人了。所以我们很容易看到：借款几百元或者顶多两三千元、不在乎短期利息的广大年轻人，是一个极为庞大的市场。用网络经济理论来说，这是个长尾市场。
所谓 ” 长尾 “，就是单笔利润不高，但由于数量极为庞大，所以总利润相当可观的市场。这样的市场，只有在信息网络时代下，才成为可能。 对于网络小额借贷来说，为了区区几千元而赖账的人毕竟是少数。
国家的征信系统越来越完善，所以只要控制坏账率，而借贷利率稍微高一些（但仍然比传统的高利贷低得多），就能获得暴利！ 以 BATJ 这样的规模和现金流水平，池子里有几百亿乃至数千亿的资金是常态。
与其把这些钱存银行，享受每年不到 5% interest rate，或者买利率稍高一些、但却可能有风险的理财产品，不如撸起袖子亲自进入网络小贷市场，Relying on big data，享受每年 10% 以上的无风险利润！小贷公司的基本注册条件如下：
- Have regulations that comply with regulations。
- The sponsor or investor should meet the specified conditions。
- The organizational form of a small loan company is a limited liability company or a joint stock company.。A limited liability company should be established with capital contributions of less than 50 shareholders;A joint stock company should have 2-200 promoters，More than half of the sponsors must have residence in China。
- The source of registered capital of a small loan company should be true and legal，All are paid-in monetary capital，Pay in full at one time by the investor or promoter。
The registered capital of a limited liability company shall not be less than 5 million yuan，The registered capital of a joint-stock company shall not be less than 10 million yuan。single natural person、Corporate legal person、Shares held by other social organizations and their affiliates，shall not exceed 10% of the total registered capital of the small loan company。
- Have directors and senior managers who meet the qualifications。
- Have staff with corresponding professional knowledge and experience。
- Have the necessary organizational structure and management system。
- There is conformity
Require
business premises、Security precautions and other business-related facilities。
- Other prudential conditions specified by the Provincial Government Finance Office。
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