Business Push To Get Involved In Internet Financing

At the beginning of June, a listed company, Zhejiang net Sheng business treasure Limited by Share Ltd (hereinafter referred to as business treasure), launched a product providing financing services for small and medium-sized enterprises, goldtrust.cn/.

Almost the same time, rival of business treasure.

Domestic Internet giants are involved in the network financing business, and the trend is obvious.

"This shows that the financing demand of Internet merchants is very large, and the flexibility of network financing will break through the geographical constraints. This is the current financial institutions can not do, network financing should have a lot of market space."

Guo Tianyong, director and professor of China banking research center of Central University of Finance and Economics, said in an interview with reporters.

Business treasure attaches importance to user stickiness

On the surface, business treasure is free lunch.

Toocle.cn creates a network financing platform without any profit purpose, but provides free services for small and medium-sized enterprises and banks.

In fact, business treasure is more accurate in providing value-added financing services to its members.

Through the provision of network financing services, on the one hand, it provides value-added services to members, on the other hand, it provides banks with the most valuable financing information.

Business treasure launched network financing services mainly serve

"For enterprises, network financing simplifies procedures; for banks, it is willing to lend money to small and medium enterprises, and is willing to take certain risks, but it needs to solve the problem of human cost. The reason why banks are willing to cooperate with business treasure is that business treasure's understanding of SMEs, especially the depth of industry websites to the industrial chain, can help banks understand the characteristics of the industry, and achieve the artificial operation of small loans in the future.

For business treasure, you can increase user stickiness (through loan platform and credit system standard), or even new profit growth point.

Sun Deliang, chairman of business treasure, reads.

Zheng Yong, assistant general manager of the bank's market management department and director of the electronic banking center, told reporters that Internet financing will not consider foreign loans without the scale of loans.

From the issuance of network loans, there are more agriculture related loans, such as farming users.

Network financing is the trend of the times, but the existing problem is asymmetric information. Once these problems can be solved by technical means, network financing will have a larger market.

In an interview, the reporter learned that business treasure has been working at different levels with several banks.

In addition, the loan through the "network financing" business will be piloted in Hangzhou, such as the market proved successful, and then gradually to other parts of Zhejiang radiation, and ultimately achieve national promotion.

Zhang Hong, an associate professor of Langfang Teacher's College who is conducting research on Internet financing, said in an interview with reporters that network financing is a collectively. The analysis of the current situation of network financing includes at least three levels: the first is the network financing provided by Alibaba and business treasure, which is based on providing services for its member enterprises.

They can form a good partnership between banks and enterprises and form close partnership with the two sides; the second is the network financing services provided by banks themselves.

For example, ICBC is using its own network to provide financing needs for its clients. The main body is the bank itself, which does not involve third party organizations. The third one is to provide personal services to individuals with the network financing of Yixin as the representative. It only charges fees and provides timely and prompt financing services to the customers, which is actually equivalent to the functions of banks.

Unlike traditional financing methods provided by banks, Internet financing is not restricted by relevant financial policies, nor is it required by the CBRC.

Internet financing has attracted wide attention. On the one hand, for small loan companies, this mode can greatly reduce operating costs, efficiency and flexibility. On the other hand, for fund users, this mode is very convenient and can meet their financing needs.

Guo Tianyong said.

Subject to

AI consulting statistics show that in the first quarter of 2010, the scale of China's network economy reached 353.4. billion yuan, an increase of 67.9% over the previous year. The growth rate was faster than the previous quarter's growth rate, indicating that the development of China's network economy is in a rapid rise.

One side is the rapid growth of the network economy, on the other side is the negative impact of the monetary tightening on the liquidity of enterprises and the two venture, and the emergence of network financing in a specific period has its inevitability.

Network financing from point to side

If business treasure is mainly aimed at providing network financing needs for enterprise users, then the network financing of Yi Xin company has opened up the era of personal network financing.

In fact,

In the face of the demand for microfinance for rural poor farmers, the P2P should make full use of the advantages of the Internet, and introduce the P2P loan assistance platform for agriculture loans to combine public welfare with business models.

This is also a credit assistance platform on the Internet. On the website of the appropriate agricultural loan, the lender can see the photos, loan needs and entrepreneurial stories of the farmers, then choose the borrowers who he wishes to help individually, and the payment process is completed online, just like shopping at Taobao.

It reduces the threshold of participation, and only 100 yuan can help farmers online.

"If the policy allows the p regional operation of the network microfinance companies, under such a huge financing demand and so convenient and efficient financing mode, this mode will have much room for promotion and expansion in the future."

Guo Tianyong said.

A senior bank credit department believes that Internet financing has not yet affected bank credit, but this trend will become more and more obvious.

E-commerce is still in the stage of rapid development, and the credit policy of banks will affect the operation of enterprises. Network financing not only makes up for the restriction of cross regional loans, but also has flexibility in time, space and geography than the existing mechanism of banks.

However, this model is more suitable for small or medium sized enterprises.

They are not financial institutions, are not subject to financial regulation, and can provide convenient and timely services to customers. They form close cooperation partners with two terminals of banks and customers, and each needs their own needs. This is the advantage of network financing.

"The rapid rise of e-commerce is one of the core elements of network financing.

Even some users do not need to finance but apply for financing. The purpose is to accumulate better credit records for themselves.

In the context of the increasingly close integration of network financing, banking and e-commerce, network financing is closely related to entering the credit age.

Network financing is an economic chain of integration.

Zhang Hong said.