Internet finance has once again sounded the alarm bell for traditional financial industry

According to media reports, Alibaba "entertainment treasure" launched only 4 days, but has more than 200,000 people to participate in the Entertainment newspaper appointment, on average, more than 70 people per minute participation. So fiery appointment is in the four lines of the balance treasure in the background, this phenomenon has to be thoughtful. To the Entertainment treasure 1000 yuan purchase limit to calculate, probably each person obtains the maximum income only 70 yuan, but also must undertake the principal possibly mainline loss the risk. Moreover, the uncertainty of investing in film and game risk is far greater than the balance treasure with the interbank investment agreement deposits. However, the light from March 26 entertainment Bao launched four days of time, the popularity of entertainment treasure is obviously greater than the balance of treasure. I think, this fully reflects the Internet grassroots financial boundless charm and unlimited potential.

All along, although the state has introduced many policies, but has always been a shock to the private capital, including the civilian grassroots people small change capital investment and consumption. Balance Treasure, entertainment treasure of the advent and popularity of the past we activate and mobilize private capital investment consumption method is not the way.

At the same time, also reflects the establishment of large data and Internet platform on the Internet finance is the future financial industry, especially investment financial products design and production trend. A new generation of trendy investors does not fully pursue return maximization as the ultimate goal of investment. A trendy idea that is both investment and consumption is emerging. The entertainment treasure brings the investor small investment and the return, more important is brings the investor the entertainment expense and the sensory psychological enjoyment.

No one denies that the internet finance is the trend of the future, all kinds of "babies" are expected to launch a succession of things. Their impact on traditional financial deposits, loans and intermediary services will be immense, although Ali says the balance treasure has not been overturned since the day of birth, but the fact that "babies" have subverted the bank's main business has upended the investment threshold. Only by grasping the Internet finance and developing internet finance can the traditional finance catch up with the big trend.