Paid, was eyeing the cheese

Summary: Financial industry needs spoilers? In any case, the fierce territorial separatist war has begun. Balance Treasure, micro-credit payment, Sina micro-banking system, and so on a series of financial models carrying the Internet has been expanding to the territory of the Bank, the securities department also announced

The financial industry needs spoilers? In any case, the fierce territorial separatist war has begun. "Balance Treasure", "micro-letter payment", Sina "micro-banking system" and so on a series of financial models carrying the Internet has been expanding to the territory of the Bank, the securities department also announced full participation in this camp.

Recently, there is news that the central bank agreed to Guotai Securities Limited pilot to join the People's Bank payment system, Guotai as the first to join the central bank payment system of Non-bank financial institutions.

This means that after the Third-party payment agencies to seize the bank "cheese", the securities department also began a comprehensive encirclement and suppression. And for the traditional banking, the securities department, internet finance, the fierce, has opened up the financial siege inside and outside the territory of the battle.

"Savage growth" outside the walls.

Outside the wall is a group of ferocious "barbarians", in the past two months, China's first Internet finance officially settled in Shanghai; Sina issued a micro-banking system, announced the introduction of a third party to pay the financial market; giant network registered "full treasure" trademark, launched a similar "balance treasure" of the electronic finance business, Jingdong Mall was set up a financial group, Started lending to suppliers, and just a few days ago, the first brokerage department officially entered the central bank payment system as a pilot. But to press deadline, has not received the official reply from the Guotai aspect.

"This means that in the area of payment, the monopoly of banks is gradually being broken." Chechun, an analyst at the consultancy, told reporters that while it was unrealistic to expect a shock to the banks in the short term, whether it was a Third-party payment agency or a Guotai, "there is likely to be a more tiered payment system in the future." ”

"If you ask the balance treasure what is the biggest meaning?" That is to let more people in the most convenient way to realize the meaning of financial management. "Balance treasure partner one of Tianhong fund strategy analyst Liu Jiazhang in an interview, said."

Paid, was eyeing the cheese

In fact, from the Guotai to obtain central bank payment system pilot, the industry has given much of the "pioneering" or "milestone" approval is not difficult to see that the payment account is a siege of the focus of the competition outside.

Zongliang, deputy general manager of China's strategic management department, said publicly that "clearing is an important intermediary business for banks." Settlement means that there is an account exists, the current regulation of Third-party payment account is limited to pay, once the future release of other functions, the third party to pay a large number of users, the impact on the bank will be more obvious. ”

In this regard, Chechun pointed out: "Securities companies to join the central bank payment system, on the one hand with the current government-oriented and promote domestic consumption, the establishment of a multi-level payment system, but also with the bank formed a certain degree of competition, such as the need to pass through the bank, and now this part of the How much will affect the intermediary business. ”

In fact, in addition to Guotai, other brokers have already entered the payment area of intention, November 2012, Everbright Securities Chinapay launched a securities fund consumption payment services, customers can use securities funds account online shopping. Subsequently, Citic Securities and Hang Seng Company launched the online payment.

And the cheese is being stared at by more organizations. Liu, deputy governor of the People's Bank of China, said: "There may be a third party to pay a licence to be issued recently." "Obviously, for banks, there will be only a few more competitors in the future," he said.

At the 2013 Internet Finance China Summit, Xie, deputy general manager of China Investment Co., said that, according to the current development, Alipay's system may not be a third party payment concept, "at present only to the existing commercial banks, securities companies to challenge, The future development of the Internet currency is a challenge to the central bank. ”

Bank of Communications chairman Nieusiming in July to interview with the media bluntly: Internet finance will subvert the traditional commercial bank's business model, profit model and service mode, even in the near future, the widespread bank business outlets may shrink, the outlets will no longer have cash counters, but one thing is, Commercial banks are not going to die.

Faced with this situation, the Central University of Finance Professor Guo pointed out, "through the realization of logistics and capital flow of efficient integration of the huge bank card users into the electricity business users, the use of innovative services to transform the profit model, and ultimately to build integrated supply chain financial services in all aspects of one-stop service."