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Internet Giants Love Financial Industry Or Change Traditional Financial Ecosystem

2013/11/6 19:50:00 24

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Internet giants fall in love with the financial industry /p >
 > after suing Ning Yun Shang (002024, stock bar) announced to the relevant departments to submit preliminary intention to set up private banks, Alibaba, Tencent and other Internet giants have also revealed the intention of applying for Internet banking license. Internet companies are eager to try to encourage the financial sector to open up to private capital. 
 August 24th, Suning cloud business announcements that it has actively declared "a href=" http://www.91se91.com/ "> fund < /a > payment business and fund agency business, and submitted a preliminary intention plan for the establishment of private banks to relevant departments, and registered" suningbank.com "domain name. At the same time, media reports said Alibaba and Tencent are actively applying for Internet banking license and for their momentum. 
 according to people familiar with the matter, on the 13 day of the day, Alibaba will hold a seminar on Internet Financial icebreaking, bringing together all sectors of industry, University and research to explore how to break through the existing pattern, aiming to promote internet financial icebreaking. 
 despite the fact that the competent authorities have not yet made a stand, Tencent, Alibaba and other Internet leading companies are already testing water related businesses. 
 for example, Tencent, Alibaba and Suning have launched small and micro loan businesses based on supply chain, and the full understanding of customer information is an effective way to control risks. According to the relevant data, the loan bad debt rate of Ali financial is only 0.76%, and Tencent's fortune Fu Tong has worked with CITIC Bank (601998, stock bar) to carry out the business of < a href= "http://www.91se91.com/" > small loan < /a >. 
, according to the reporter's exclusive report, Ali is about to launch a support plan for the seller's business in the near future, and intends to expand the scope of small loans. In addition, Tencent, Ali also involves insurance (Fang Xinbao), funds and other businesses. 
 Su Ning Yun 12 announced that the platform was fully open and the Suning financial cloud layout was basically formed. Now it has its own third party payment tool, Yi Fu Bao, and has set up a small loan company. It will provide small loans to suppliers who have entered the open platform, and the first batch will invest 1 billion yuan to set up platform credit funds to provide merchants with various forms of financing services such as pledge, credit, factoring and so on. In addition, the company will launch value-added services such as fund products and insurance products for businesses and consumers in the near future. 
 in the face of the aggressive situation of Suning cloud merchants, Alipay's Internet Financial boss is also afraid to belittle. 
 "Alipay's huge user base and huge trading volume based on Ali platform are undoubtedly the biggest chips for the company to enter Internet banking." An Alibaba insider revealed. 
 by the end of 2012, the turnover of Taobao and Tmall exceeded 100 billion yuan, and Alipay's registered users exceeded 800 million. In June of this year, Ali's Alipay took the lead in launching the balance of treasure. As an internet financial innovation product aiming at Alipay users' value-added, the balance of treasure listing in less than 3 months is nearly 50 billion, of which 800 million user scale undoubtedly plays a huge role in promoting. 
 and similar innovation will inevitably touch the red line of interest. In August this year, Alipay announced that it had stopped all offline POS businesses. Recently, it has repeatedly spoken to regulators for permission to apply for Internet banking. 
Compared with P, Tencent is more low-key. "Actively preparing related products within the company, once the policy gate is opened up quickly, is the company's consistent style." An Tencent insider said. 
 "once the Internet banking business is open, Tencent will have more advantages than Ali." The person said, on the one hand, Tencent QQ active users have reached 800 million, of which 550 million are registered through mobile phones, WeChat users will also break 400 million, has the user and mobile Internet access foundation; on the other hand, Tencent QQ has run a complete system. It has been revealed that Tencent has tried to expand the scope of QQ settlement to some B2C enterprises. 
Compared with the pure Internet of Ali and Tencent, the more than 1600 stores in Suning have added more imagination to the future of their Internet banks, compared with the pure Internet of Ali and Tencent. After announcing the full opening of the 12 day, Suning will also open all stores and provide users with many O2O services such as self mentioning, store payment, store distribution, store identification and so on. According to Suning's internal responsible person, the future Suning finance will also take the development route under such online and offline integration. 
 or changing the traditional financial ecology /p >
 > a href= "http://www.91se91.com/" > Internet < /a > enterprises have their common advantages in marching into finance, that is, the support of big data. Tencent and Ali have huge trading and user data behind them, and these data have begun to be used for accurate marketing and marketing of their products. According to its insiders, once Tencent or Ali has the opportunity to develop banking business, its assessment of user repayment ability and credit can be supported from its previous data. 
The executive meeting of the State Council, held in June 19th (P), put forward policies and measures to promote private capital entering the financial industry, encouraged private capital to participate in the reorganization and spanformation of financial institutions, and explored private banks and financial leasing companies, Consumer Finance Companies, etc., which were set up by private capital. 
 "from now on, ready for the time. In the future, when a group of young netizens develop into the key customers of banks, it may be the spring of Internet finance. These people said. 
 China Merchants Securities (600999, stock bar) latest research reported that the focus of Internet finance is still in finance, and the Internet is just a tool. The three major comparative advantages of Internet Finance include huge user groups, big data and customer focus. The essential difference between Internet Finance and traditional finance is not in "finance", but in its way of realization, it is specifically manifested in the way of payment, information processing and resource allocation. 
Modern information technology represented by the Internet, especially mobile payment, social networking, search engine and cloud computing, has changed the spanaction cost and information asymmetry in traditional markets, and are beginning to affect the existing financial models. P 
 Internet finance has emerged in the field of small loans and third party fund sales. At present, its operation mode is mainly made up of five kinds, such as Ali Jingdong electronic business platform, financial ecological circle, online financial supermarket, P2P, third party payment and public financing. The Internet brings challenges to traditional finance as well as new thinking. 
 especially since July of this year, Internet finance has been in a state of explosion and quickly occupied the focal point of the financial industry. It began to thrive on traditional financial institutions such as banks, brokerages and insurance. At one time, the Internet financial boom and the panic of traditional finance were magnified. However, the Internet is not a scourge of traditional finance. In terms of the securities industry, China Merchants Securities Research Report believes that Internet finance has a certain impact on securities companies, and also opportunities. 
 when it comes to the impact of Internet Finance on the securities industry, China Merchants Securities said that "securities brokerage business bears the brunt". In addition, in view of the fact that the assets of the securities companies are mainly oriented to high net worth customers, the public financial market will become an important domain of the third party financial platform of the Internet. 
China Merchants Securities believes that although the Internet has its advantages, it can not subvert traditional finance for a long time. The relative advantages of the Internet lie in four aspects: one is the huge user group; the second is the big data, which is also the core of Internet finance; the third is customer centered, respecting customer experience; the fourth is technology, including payment and settlement methods, and information processing and risk control based on big data. P But the end point of Internet finance must be finance. It changes the way of realizing finance rather than finance itself. We believe that factors such as information asymmetry, spanaction cost and supervision will still exist in the era of Internet finance. The Internet will not replace traditional gold but will compete with each other for quite a long time. 
 obviously, considering that traditional finance will continue in both professional and economies of scale, coupled with institutional factors, traditional finance and the Internet will show a concurrence rather than a perfect assumption of subversion "/p".