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This morning my wife picked up some flowers from our garden to decorate our dining table. The flowers are lavender, rosemary, forget-me-not, and mint. She placed them in glass bottles of various sizes, some of which were used as milk bottles 50 years ago. They go very well with the dining table recycled from wood used over a hundred years ago. The whole arrangement makes our dining room look very elegant -- like a page taken out of a home decoration magazine. This is a rich life that does not require wealth. Here's the post.

October 11, 2016 (Tue)

Chinese lenders hinting at importance of letter D in domain names

Peer-to-peer lending information portal Wang Dai Zhi Jia (网贷之家) yesterday published the Top 100 Online Lenders for September, 2016. The result was based on their analysis of sales of some 2,000 online lending platforms in the last 3 months. Because of time limit, I have selected only the top 10 firms for my study of their domain names. If you want to see the whole list, please visit

For the top 10 lenders, I checked their year of establishment and domain name used, and listed the information in the following table.

RankNamePinyinFoundedDomain Name
1陆金所Lu Jin
2宜人贷Yi Ren
3人人贷Ren Ren
4点融网Dian Rong
5拍拍贷Pai Pai
6微贷网Wei Dai
7开鑫贷Kai Xin
8搜易贷Sou Yi
9爱钱进Ai Qian
10宜贷网Yi Dai

Let's look at the names and see what we can learn.

All of the top 10 lenders use 3-pin names. Because Chinese companies tend to upgrade to shorter domain names, many 3-pin names will become LLL domain names. (Of course there are always exceptions. For example, and are much more valuable than LLL domain name to their owners.) If you own one of the matching acronym .com domain names, you are sitting on a pot of gold.

Seven of the names contain the Chinese character 贷 (Dai). Among the seven names, five of them have the character placed at the end of their name. Why is this character so popular? 贷 (Dai) means lending, and lending is what the lenders do in their business. If you invest in Pinyin names, then "dai" is an important part of a domain name you need to be aware of -- especially when it is placed at the end of a domain name. By the same token, the letter "D" is important in an acronym especially if it is placed at the end of the domain name

All except one of the lenders use .com for their official websites, and most of them were founded in the last 5 years. The dates are important to me. The establishment years of these lenders tell me that they are startups -- the so-called next generation users of domain names. As this study shows, the majority of these Chinese startups are sticking to .com. In fact, expensive .com domain names are favored: was acquired for $8m and for 7 figures. Therefore, I can safely conclude that the .com trend has not changed and .com will remain as king in China.

All of the domain names are short -- 8 characters or less. This is in line with my observation that "short" is a keyword in Chinese domain name investment. So, if you invest in the Chinese domain market, try be short.