How does Internet finance come to traditional finance?

I would like to talk about this issue from another angle, as a financial brokerage practitioners, because of the experience of the special (as business personnel involved in the company CRM and micro-trust project, so there is a chance to work with it), I was very anxious about the impact of internet finance on traditional business.

A year ago, when we repeatedly mentioned the rise of mobile terminals, such as micro-credit payments, would bring about changes in the financial sector, people in the industry, we say that we think too much, the system of the big financial empire can not be overturned, but just a few months later, the balance of the treasure of the emergence of the financial industry big shock.

A few days ago, Guo Jin and Tencent cooperated to get 0 Commission, securities companies are starting to panic, but as long as they talk about "internet finance", the financial industry will put on a "professional" face, talk to you about economics, talk to you about the risks of internet finance, talk to you about the nature of finance, they repeatedly stress the failure of the United States, And all the Internet finance hot products, such as balance treasure, financial management pass the drawbacks.

In fact, I would like to say that all of the above can only mean that I do not realize that the big financial practitioners are not aware of a problem, first of all, the financial people have never been out of the "feel High" altar, but for the market, the real market rather than the definition of economic theory, we really Our superiority is actually relying on the protection of the system, I am blunt, we have not seriously thought about services, even products, both in terms of technology and service consciousness, are still too "rubbish."

Now there is no point in talking about all the concepts and theories, what is the nature of finance? First ask yourself what is the nature of your business, business, and product in the marketplace? Please be aware that the impact of the Internet is not technically, but a direct monopoly of our client terminals, when customers can achieve a key on the mobile phone easy financial management, you ask yourself, what is the value of your existence? Don't talk about regulation, don't say it's myth, please ask yourself what the market needs. If you are clearly not a good choice for the customer, fantasy by virtue of the country and the system in the past, "non-market" protection to survive, fantasy customers can tolerate inefficient and arrogant service, this reality?

What's more, the stories that once seemed to be myths became reality in an instant.

First of all, the rigid and high posture in the financial system is the first thing to be eliminated under the impact of the Internet.

Second, how to deal with the internet impact?

One, high-end refinement service is a direction. In the professional to do fine, for high net worth customers. This does not unfold, the emphasis says two.

Second, for the Standardization of network services, the structural strategy is not to speak (this needs to change the organizational structure of the enterprise), I would like to stand on a microscopic point of view, talk about this competition is a key, that is, "products."

The future product periphery has been unlimited extension, the product is not only the rate of return, the circulation of these attributes, in fact, attributes people can pull off the gap is not much, more competition in the user experience, for example, less sign a word, this is the key to user experience.

I want to say is that the future competition in the "fine" place, each product design Department of Excellence, complete user position is the key to win, but this is the traditional financial people do not have the quality of thinking, perhaps this is the internet thinking.

Tencent opened the platform of the boss told me that your financial enterprises, do not understand the Internet play. But I think, as long as there are one or two special products, or the product of the one or two special "benefits" experience in the user perception, is still able to win or survive the key point. There is a saying that 101 points of products compared to 99 points of products, with 100% competitiveness in the internet age.

We have only wanted to make 99-point products or 100-point products in the past years, the 101 points must come from the periphery of the product and must come from the design of non-financial ideas. That's my idea.