Xia Xinyu: How About Raising A Wanda Plaza?

When Internet finance is tied up

It is no longer a cloud floating thing. It is no longer a concept of selling financial products on a data platform.

Although everything has not yet come true, Internet thinking itself has enormous imagination.

People raise a Wanda Plaza. How about raising a Wanda Plaza?

Under the new gameplay, hundreds of billions of assets can be opened in the whole ecosystem in an electronic way. The operation of assets and the realization of running water are becoming more and more pparent.

For example, if you have raised Wanda Plaza, the daily flow of shopping centers and the rental situation of each unit must be reported to you. Even the masses of investors can vote to decide which brands to enter and celebrate the new year.

For example, if you have raised Wanda movies, you may be able to get the latest tickets in real time in a mobile terminal. The public can even take part in the production stage as early as possible, deciding which heroine should be selected from the movie I shot.

Relying on the Internet thinking so much fun, how can you and your friends not go around "Wanda" of their own, and how can they not watch a movie of their own "privileged" benefits similar to "red envelopes" belonging only to shareholders?

When Internet finance is tied to the real industry, it is no longer a thing that only floats in the cloud. It is no longer a concept of selling and selling financial products on the basis of a data platform.

Although everything has not yet come true, Internet thinking itself has enormous imagination.

The reason why Wanda is cited is that it has recently sold $315 million to acquire third stake in the third party payment company, and finance will become the pillar of Wanda's fourth pformation.

The increasingly "heavy" assets of the assets are intended to "lose weight" and stomp their feet in the field of Internet finance.

On the other side of the acquisition, the third party payment finally rose from the broken Red Sea collection business.

Internet finance is a way to save lives and a strategic direction.

Who makes payment, naturally has the lifeblood of Internet Finance: big data.

This column and the next column of "discovery finance" try to decrypt the payment companies who rush to Internet finance.

Guan Guoguang, a fast cash leader, had a quiet interview in the interview with "happy finance".

When he judges the trend of the future is "pay will be free" and wool can't go out on sheep, what can be done? Guan Guoguang said, "let's get the wool out of the pig," and "pig" is what can be superimposed after accumulating a lot of data: assets, funds, finance, credit and marketing.

In fact, the seemingly playful proposition of "how to make wool out of pigs" is perhaps the most pondering issue in this round of financial reform.

This is really unfortunate for banks. When payment companies rush to Internet banking, business structures and traditional banks' deposits, loans and remittance are exactly the same.

It has always been felt that the reputation and popularity of Internet finance is far from its progress to the real progress.

Walking in the industry, almost every day will encounter people who claim to be doing Internet banking. It seems that all WeChat friends circle is trying to sell Internet financial concepts to find VC projects.

New things have been on fire for more than a year, but there are few institutions that really follow.

The rest is just "making use of Internet channels to finance".

Liabilities, assets, licences, products, and risk control.

What are the concepts of Finance and what are the core of Internet Finance?

You might as well jump out.

Like the revolution brought by the current Internet and all previous technological revolution, we rely on new technologies to create a new division of labor and create new industries and opportunities.

What has the Internet created for finance? Traditional finance, which controls the control of financial separatism by the advantage of licences, has been cut off in the Internet age. The license has become its regulatory constraint. Therefore, the Internet finance has been shouted at the risk of unfair competition. The pressure of liabilities is like a mountain savings war. These are all true, but the "deposit" in Internet finance is also more important than the traffic and customer development cost. The key to attracting deposits is the attraction of assets.

And from those companies that spend tens of thousands of dollars on a set of systems to start P2P financial business, they are not short of investors. It is clear that in a market where many financial investors still need education, the key to Internet finance is not capital.

"Internet financial revolution, in fact, is the financial risk management this matter, rely on data to strip off, who gets this thing, who will be big."

Guan Guoguang expressed his view to "discovery finance": "data and customer relationship are the most scarce things in this revolution."

The observation of discovery is, first, traditional finance relies on pledge control logic, and Internet finance relies on the good assets of big data to find logic. There is a watershed in the middle. Second, the relationship with customers has gradually changed from "relying on customer managers to liquor consumption" in the past, and gradually pformed to "create stickiness by products".

As for online and offline, Guan Guoguang said it is very simple to throw the offline resources onto the line, but the online traffic needs to be changed to the existing barriers under the line.

Along with the above logic, we get three key points: data, customer relationship, online cash flow offline.

Take Wanda fast money cooperation as an example to talk about possible exploration.

Fast money "married" to the stocky Wanda, the face of "temperament does not match", in fact, fast money is intended to "industrialization" to the Internet Financial landing.

At present, BAT is the overlord of online traffic, but Wanda has some physical flow under the line. These flows do not have "expensive" online traffic. They become data and consumer credit, and the natural existence of space. Fast money seeks Internet Finance and O2O double loop.

When the payment company goes to Internet banking, the way of quick money is to throw out the equity riveting industry.

Wanda is not only the beginning of this strategy, but also the model. The second step of fast money is to cooperate with Wanda in the vertical subdivision of online and offline segments.

As for data, Guan Guoguang said that last year, the total volume of Wanda's whole plate entrance was 1 billion 600 million, resulting in data 30 million.

"Wanda Plaza WIFI special settings, you can track the number of customers (mobile phones) on several floors, after which shops, how much time to stay, this data and payment fusion imagination huge."

At the other end, there are tens of millions of data in the fast money system, and about 300 million of the total number of pactions completed.

The idea that traffic accumulation can be opened is that, as mentioned above, if investors can provide risk controllable targets, investors will be able to sell their assets, and investors themselves are consumers.

The idea of data accumulation can be opened to understand the creditworthiness of merchants, and to understand consumers' credit.

Take merchant credit as an example, Guan Guoguang said, for example, a chafing dish store has clear flow data in Shanghai and Sichuan Wanda operations, so that it can predict the performance of Chongqing, Jiangsu and other places, and create a risk control model. It can even help merchants "free new stores" and use their subsequent revenues to recover loans through payment systems.

Such practice, in the small and micro sectors of traditional banks, is still paying attention to collateral. If the new registered business entity, it may also encounter the trouble of "territorial bank lending" and dealing with different branches.