Who Will Be The Real Winner Of Internet Finance In The Future?

"P > will be held on the 27 day of the fifth session of the" a "href= http://www.91se91.com" electricity "/a conference. I will attend and chair the sub Forum on Internet finance.

For a person who has some negative comments on Internet finance, it is not too appropriate. But since it is a forum, it is bound to be a discussion, and more exchanges and more sharing. Audiences, whether Internet financial supporters or opponents, will benefit from it.

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< p > 2013 is the year when Internet finance is very hot. All kinds of treasure are emerging one after another. Of course, the most important thing is the balance treasure.

It can not be denied that half a year 40 million users, 500 billion of capital, is a great achievement.

This powerful ability to distribute is a demonstration of the upper class. We are so strong that we can sell securities investment funds, overseas investment funds, precious metals trading, private lending, and even private equity funds to high-income and high-risk products in minutes.

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< p > traditional financial institutions have resistance and dissatisfaction. It doesn't matter. Our Internet Co has users, and we have the ability to change user habits. Subsidization is worth doing.

Once habits change, people do not go to banks to buy financial products, instead of seeking more convenient and convenient ways on the Internet. There are no more restrictions on policies.

I am afraid that the internal logic of Internet companies is here.

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< p > > a href= "http://www.91se91.com/news/index_c.asp" > Internet < /a > financial financial products have such a high rate of return, and banks can not do it, because banks are doing long-term business, Internet Co even the threshold of this business has not been touched, can only be subsidized to implement the upper class.

But can't the efficiency, low cost and convenience of Internet finance make up for the gap between banks? At this stage, the trust of traditional financial institutions is still higher than that of Internet Co, even though this company is a company with hundreds of billions of dollars in market value.

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< p > moreover, the balance of treasure or 100 hair is not the cost of the intermediate sales link, but the cost is invisible, intangible and not quantified.

Alipay has invested nearly 10 years, has accumulated hundreds of millions of users, and now launched a financial product for these users, pushing itself in the process of cost.

If the balance is third party products, the cost of Alipay will not be borne by any fund company.

It's like Alipay has a facade in the busy market. It is expensive to rent. No one can afford it. So they use it by themselves. It seems that there is no cost. In fact, they themselves do business with their own faces.

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Moreover, at present, the essence of Internet finance is still unable to get rid of the fund distribution window of financial institutions and the role of private lending agencies. P

In terms of channels and sales methods, it has been innovated, and has no right to speak in product design and rulemaking.

Everyone is sitting on the sky, I don't know when the day will change.

The only hope is that China's financial industry and monetary policy will be loosened in the future, which will bring huge opportunities to these early entrants.

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< p > the potential risk of Internet finance is also an important factor hindering the future development of the industry.

In the history of Internet finance, money market fund is not the biggest one.

The failure experience of PayPal has also made a footnote for China's current Internet financial risks.

If the situation of monetary tension is eased in the future, and the funds will become more and more relaxed, the situation of the balance treasure will go to where it is worth thinking deeply.

In the long run, the yield of the balance treasure financial products can not be divorced from the existing interest rate for a long time, and will maintain a certain rate, but it will never become synonymous with high-yield financial products.

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< p > Internet Finance in 2013 is a great heat. It is a positive effect that promotes the innovation of the traditional financial industry. Both Shanghai Pudong Development Bank and Minsheng Bank have launched the Internet banking business, and the major commercial and commercial banks have also simplified the trading process in the fund sales business.

If the ICBC Joint Credit Suisse fund launches "day to day", the threshold of purchase is low, and redemption can arrive in real time. The Ping An Bank jointly with the southern fund promotes the "safe surplus", even selling it for a penny. It is also very convenient to purchase and redeem it.

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< p > money market fund presents a flexible trend in sales and product design. In essence, it is the change led by internet financial products like "balance treasure", which is of great significance for improving the service level of banking industry.

However, as a commercial bank holding the qualification of financial business, it is not aimed at the class balance treasure. The way they cut into Internet finance is deeper and more direct than the existing Internet financial business.

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< p > traditional a href= "http://www.91se91.com/news/index_c.asp" > Bank < /a > has abundant data resources, which is far more valuable than Ali's single data based on the reputation of the electricity supplier, but lacks the channels and ways of developing and reallocating.

The core of financial business is capital trading intermediaries, not fund sales.

Even for money market funds, its foundation is still rooted in the banking sector, and profits still come from second-hand profits from the banking sector.

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< p > because of restrictions on policy and business scope, Internet finance can only focus on small and micro businesses, engage in marginal business in the financial industry, and get low profits in the financial industry.

But the scale business that occupies the 90% business volume and profit of the banking industry can not be eroded by Internet finance, but can only be touched.

As a result, the entire traditional financial industry will gradually awaken, enhance business innovation and bring users back.

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< p > but Internet finance is not without opportunities. Internet companies have strong online capabilities, abundant traffic and user resources, and have the ability to build systems and use big data in big financial products.

The traditional financial institutions with qualification and complete financial product lines are strong in financial operation capability, but online capabilities are almost zero.

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< p > here, we will talk about the issue of integration.

Analysys International put forward the concept of Internet of traditional enterprises a few years ago. They believe that there will be no concept of Internet enterprises in 30 years, all enterprises are Internet enterprises.

That being the case, there will be no Internet Finance topic. When all banks carry out paperless pactions online, they will serve as the standard of service, which will bring convenience to users and reduce the cost of their own distribution.

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< p > I personally think that 30 years is too long, and this time can be shortened. Although 95% of enterprises are still not related to the Internet, from the urgent needs of the whole society, most enterprises will be pformed into Internet enterprises in 10 years.

At present, the confrontation between traditional enterprises and Internet companies in some fields is just to occupy a greater say in the process of future integration.

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< p > for the financial industry, if you want to take a convenient Internet way, you can't beat me down, you knock down my logic of thinking, instead, you should join hands with Internet companies to complement each other's resources, and strong alliance is the most perfect form of Internet finance.

After all, it is totally impossible for the traditional financial industry to recreate a Alibaba, Baidu or Tencent.

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< p > the integration of traditional financial industry and Internet enterprises can fundamentally solve the problem of efficiency, safety, output and cost in the process of a href= "http://www.91se91.com" > financial < /a > in the course of business operation.

No matter what you are good at, you must not lose your hand and do your duty. No one should underestimate each other's professional quality and strength.

The future of Internet finance is neither a traditional enterprise nor an Internet company. The players who are perfectly integrated will be the future trend makers.

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