While the Internet is a high income, it is actually digging a hole for itself.

&http://www.aliyun.com/zixun/aggregation/37954.html ">nbsp; While the industry is bullish on internet finance, I am not happy. This time the author from the Internet financial coverage, the Internet financial permeability of the study, the results may be that the Internet financial sector more than 10 earthquakes.

Internet finance can literally understand its essential meaning, Internet finance. That means the current financial system is just a cloak of the internet. From another point of view, the Internet is just a conduit for the financial system. Since it is a channel, there are two states of patency and blockage. Since it is the channel, it will have the old channel replaced by the new channel of fate, this is the most common logic of the normal.

From coverage (channel perspective) analysis of current banks, funds, internet finance

"Theoretically, wherever there is a deposit of funds, both online and offline are our potential partners." "This is the traditional banking or fund, such as the practice of the financial system basis."

Over the years, banking channels have been in the fund sales channels occupy the mainstream position, but when the fund company accidentally sticky on the internet, the bank is also very worried, but the bank itself is a complex system structure, if the bank's electricity channels and fund companies to cooperate, it will affect the interests of branch branches of banks, So banks are slow to act. It's a big stall and it's really slow to handle things. Is it a sitting duck or an active attack? The bank chose the latter. Industry sources, a bank will join hands to add rich and Minsheng Two fund companies, to launch a new electronic bank card (no entity card card), users to save money in, can enjoy a higher rate of the annual return of the Money fund. This card is characterized by the transfer and transfer out of the line without any cost, need to use money, also can be taken at any time. This is a hot trend of the current internet finance has poured a basin of water.

Internet finance this year has all been waging a love offensive for the money Fund. Whether it is the South Fund, Hui Fu and other fund companies to achieve real-time redemption, or the balance treasure, demand treasure, etc. are docking is the Monetary Fund. However, Love will finally tell you the way I want to, the Internet financial strength to conquer, bring is indeed the other side of disgust. The best example is the holding of the Minsheng Bank and the Minsheng Banking fund. The fund company once again shifted its gaze to the traditional sales channels, but the mode of cooperation is quite different from the past. From the line to the line may not be the line.

From the permeability (risk, user viscosity) analysis of current banks, funds, internet finance

1, the banking system still has an unmatched advantage over the Internet financial model in the context of large-sum credit business integrated financial Solutions.

The current trend is that Internet finance can indeed win a lot of scattered funds, but the large number of credit users are still more trusting to take the banking model. In the customer's thinking, even if not dealt with timely, as long as there is no risk, I would like to accept.

2, banks, funds, etc. after all is the release of the game rules of the financial system, Internet companies want to enter the financial circle, must comply with the rules of the financial circle of the game.

3, banks have a wide range of customer resources, banks as a credit medium, payment media, channel Media will not be subverted by internet finance.

4, if Internet financial rules and access conditions are not docked with existing financial institutions, there will be risks and new competitive inequalities will arise.

5, the development of internet finance, should pay attention to risk prevention, two bottom line can not break through, one is illegal to absorb public deposits, the second is illegal fund-raising.

In addition, some people in the industry analysis, if this market can be done, the scale should not be underestimated. "Online can really get a lot of scattered funds, but this part of the fund's stickiness is questionable." One thing is certain, the funds are profit-driven, Baidu gives a high yield, so when the purchase time to lead to the system paralysis. Taobao has a high yield and the same users flock to Taobao. But high yields generally need to subsidize clients, so high yields are hard to sustain. Once the yield of the online fund product tends to stabilize, it is difficult to guarantee whether the holder can precipitate as the client of the fund company. ”

The implication is that the rate of return tends to stabilize when the internet financial life disappears.

"Welcome to the author's personal micro-letter: Lee_yi_nan-Yi_xuan_lee"