Galaxy Securities Huli: Let the common people also enjoy the financial high value-added services

December 23, the first domestic group to buy financial model of "Baidu Hundred" Ka-real Group buy fund products officially on sale, the amount of subscription exceeded 3 billion yuan, creating the Chinese Internet starting new fund of the highest record. Baidu Financial Center, many of the financing platform support products, "high income, low threshold, security, good service" and other advantages and characteristics of a good reputation. Before this, Baidu group buying finance and hundreds of financial services media Communications, Huli, general manager of China Galaxy Securities Fund Research Center, said the site, "Baidu and other Internet companies to join the Internet financial sector, not only accelerated the fall of China's general financial, but also the daily" high handsome "type of financial services to the vast number of ordinary people, It has promoted the healthy and humanized development of China's financial industry. ”

Huli pointed out that the 18 session of plenary put forward the concept of "Pu-hui finance". "There are some high-value-added services in the financial sector, originally is ' high and handsome ', the threshold is relatively high, such as the agreement deposit, more than the general deposit interest rate is much higher, the risk is also low, but for the starting line has such as the threshold of 30 million, such a broad masses of people can not effectively obtain this high value-added services. But the Internet financial innovation, which is represented by Baidu Finance, has greatly promoted the development of Pu-hui finance, so that an ordinary investor with a disposable balance of thousands of yuan can also enjoy high value-added services. ”

Huli also said that internet companies such as Baidu have played a positive role in promoting the traditional financial industry. First of all, the "user experience" of the role of knowledge popularization, internet finance let the financial industry to understand what is called the ultimate customer experience. Second, the current Internet fund business is very healthy, such as Baidu and the joint launch of "Hundred", is actually Baidu as a financial channel, the financial industry and the Internet industry to play their own expertise, very healthy. China's fund industry 2005 more than 800 billion, the end of 2007 rose to 3.5 trillion, in this process, the bank's contribution to the channel in more than 80%, but the traditional channels will also have their own ceilings, which also led to the development of the fund industry bottlenecks, but the expansion of internet channels, will become a driving fund industry, An important impetus for the development of the financial industry.

Baidu "Hundred Hair" department of Baidu Finance and Jia real funds jointly pioneered the "group buying finance." "Hundred Hair" wealth management products All investment Bank agreement deposit, Investment Bank agreement deposit Yield Main Reference index is the Shanghai Interbank exchange rate (SHIBOR), usually at the end of the year up to 8%-10%, with high safety factor, high yield characteristics. In addition, and conventional Bank agreement deposit needs "30 million start" the huge threshold is different, "hundred" only 1 yuan to subscribe.

Huli that, Baidu "hundred Hair" innovative design, let ordinary people get benefits, 0 threshold enjoyed the "super big" investment treatment, "the first information more transparent, second consumption more convenient, the third payment of lower cost, this is an encouraging direction." Baidu Financial and other representatives of the Internet financial innovation, the country and the development of society have a very important significance, can provide better services for more people, promote the "Pu-hui finance" landing, so that China's financial industry can be synchronized with the global finance sector resonance.

In addition, for the first time, the SEC has reformed U.S. hedge funds and private equity, allowing it to be publicized widely. Huli that the SEC's trend towards private equity funds is gradually opening up, behind the market-oriented opening and upgrading of the original regulatory rules. With the popularization of the Internet and mobile devices, the cost of people to obtain information is greatly reduced, at the same time, with the improvement of people's quality, the common people's ability to identify the risk is also gradually improved, in this market environment, the corresponding industry regulatory standards should be gradually open. And for Baidu "hundred" as the representative of the Internet financial innovation, for the majority of ordinary investors to provide a substantial dividend at the same time, driving the traditional financial industry upgrades and changes to promote the healthy development of the industry, the relevant regulatory authorities should support the encouragement.