Internet opened the "post-bank era"

Fenghuang Han Dan

"If the bank does not change, we will change the bank," Ma Yunyan still ears, with Ali surnamed Po turned out, one hundred Baidu, Tencent MoneyTone have been launched, the curtain of the Internet financial era officially opened it to destroy 古古拉The trend of immortality, traditional banks are faced with being changed, the revolution situation.

This is the best time. We are fortunate enough to see how the fiercely developed Internet can profoundly affect people's basic necessities of life, make all the impossible possible. Shopping, socializing, searching, music, gaming, traveling ... The Internet has revolutionized almost everyone's way of life.

In this sense, as one of the people's needs, financial reform is inevitable, and it is not based on the will of the people. It is only that time points come a lot faster than imagined. In 2013, Ali Balance Package detonated the Internet financial market, accelerating the transformation of traditional finance.

On June 13, 2013, Yu Ebao formally launched the financial and Internet cross-border product of the rapid triggering a wave of popular finance, but also caused a panic in the bank giant. What is the market capacity of universal finance? We look at a figure, July 1, 2014, on the occasion of the first anniversary of the balance package on-line, Celestica balance fund released by the end of the second quarter of the size of the data show that as of June 30, 2014, the balance of treasure has reached 574.14 billion yuan. This is just a "chopper test" of Internet financial products, and its explosive power will be beyond imagination.

We should be grateful to this era, as well as the Jack Ma who led the revolution in this era.

We have seen that over the past two years, there is no doubt about the fact that with the balance package as the starting point, the Internet financial products such as Baidu Baifa and Wealth Management Co., Ltd. are making breakthroughs in the traditional financial services sector with a full-scale offensive. , Siege grazing. Bank giants have felt the threat, they exclaimed "the wolf is coming." However, how to address the issue of "the wolf coming" not only tests the wisdom of the banking giants, but also the survival of an "old force."

This is not alarmist. Just as the former director of China Merchants Bank, Ma Weihua said: "In the Internet age, in the face of new business rules and rules of the game, past practices and familiar management methods are no longer valid. All industries and enterprises are subject to subversion The creation and development of Internet finance in the financial industry is precisely the largest financial innovation under the Internet age. "The post-banking era has come and all we need to do is to be free and open . Instead of being revolutionary, it is better to take the initiative to change. What banks should do is to change and innovate.

Before the financial monopoly, coupled with a series of factors caused by the asymmetric information, the public feel relatively strange to them, borrowing demand is difficult to meet. In the Internet age, the factors of asymmetric information no longer exist, which provides an opportunity for the Internet to subvert the traditional banks.

This is a crisis for traditional banks. They need to panic. If they are still doubting the energy of the Internet, waiting for them is undoubtedly ruthlessly abandoned. Only by recognizing the Internet's tremendous financial impact on the fact that they can have the courage to change and innovation. If, as CCTV Securities Information Channel Executive Editor Niu Wenxin, blindly cried out to balance the package, it is too absurd.

2013, is said to be the first year of the outbreak of Internet finance in China; in 2014, we may as well call the opening year of the "post-bank era" of the bankruptcy of Internet financial bankruptcy. It is too early to say that banks will be completely subversive, and everything is still on the road, but sooner or later it will come!