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With the bike sharing war into the second half, Xiaoming, cool ride, blue has been exposed to the deposit back, causing social concern. According surging reports, even the v-mobile and ofo, has recently been exposed because of emergency funds misappropriated 6 billion deposit. Although both are denied, industry insiders say "the deposit is already a secret of the industry."
The problem of sharing a single car is due to the fact that the form of deposit is different from the traditional deposit. It's not a single thing, but a car that receives many people's deposit.
In fact, this model is born in the business model. This endogenetic meaning, not first, is that a car, since it is used by many people, is bound to charge a deposit to a number of people. Secondly, the income of the deposit is also considered to be within the profit of the enterprise, otherwise, it will be reflected in the price. Third, more importantly, the deposit mode is born in the business mode, which means that only by recycling the "manufacturing vehicle delivery and re deposit" can we quickly and nationally or even globally.
At a larger level, this is just a variant of the present innovative financing game. In the traditional economic model, the business model of technology upgrading is R & D, sales, money making, R & D, technology upgrading and sales. This slow technology upgrade model, on the one hand, is capital in order to maximize the profit of research and development, on the other hand, it also needs to accumulate profits to invest in research and development. In the era of Internet, there is a new change in technology research and development mode, that is, the mode of financing and listing, which bypasses the original mode of R & D accumulation, money making and RE development, and uses huge amount of capital to go directly to the top technology. Because of this, we have seen all kinds of so-called black technology breakthroughs in recent years. This is an adaptive change in the business model for technology research and development. However, in this mode, market share becomes crucial, which requires rapid spread and customers.
Sharing a single car is also the case. A large amount of money is needed at the beginning. In addition to financing, the deposit is an inevitable choice. In this sense, the deposit for the repairer, expand the market share is an inevitable endogenous bicycle industry.
The regulatory authorities have also seen this. Because of this, in August this year, the Ministry of communications, the central bank and other ten departments jointly issued the "on the Internet to encourage and regulate the development of bicycle leasing guidance" proposed to strengthen the safety of users of funds supervision, user deposit, prepaid funds should be earmarked for transportation, finance and other departments in charge of supervision. But this is only a guide, no coercion.
The view is that, in view of the social risks of collecting and depositing deposits and the harm to the financial order, it can be considered as a "illegal or disguised" way to absorb public deposits under the specific conditions.
If only from the behavior, the model does have a similar absorption of public deposits. However, the same behavior, the different amount of money, the impact on the individual, the impact on the society is different. 100 million people, 200 yuan per person, is different from the social impact of collecting 100 thousand people and 200 thousand per person. Moreover, the same behavior, different behavior people, different enterprises, the interpretation of commercial and social significance and risk assessment are also different.
At present, the industry is still a growing bike sharing space, v-mobile and ofo as the two giants, as many investors recognized, its purpose is clearly not to abscond with the money, but there are more big business goals. The essence of the concern of the consumer is not the use of funds, but the security of the funds.
Of course, this is not to say that don't need to supervise the huge deposit, especially before the enterprise "run away". The relevant departments may draw lessons from the pattern of bank deposit reserve, set up special accounts, clarify the use of "red line", so that it can not only promote the development of enterprises, but also relieve consumers' worries.
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