The Internet chattering war again kicked off

Since Ali on the line of the balance treasure and launched a series of such as the United States and other retail outlets can be directly to the store online to pay for the functions of goods, and other electric operators began to sit down. In the field of electrical business development has been more radical suning unwilling to follow, also recently launched its own financial tools, "Change Treasure", in addition, micro-letter also launched its own wealth management products "wealth management", and Baidu High-profile on-line "Baidu Finance", NetEase Company's "NetEase Tim Gold Plan" ... The Internet chattering war once again kicked off.

There is no denying that financial finance seems to have a more direct and huge advantage from the marketing model of attracting traffic to customer purchases and then transforming them into returns. From purchasing to financial management, it is a process from quantitative change to qualitative change. On the other hand, the Internet financial management has a greater advantage is that the online and offline will be combined, O2O hot again because of the development of mobile Internet, become more and more development possibilities. To clarify the trend of the market development, we first look at the current market in these internet banking products.

Balance Treasure

The balance treasure is launched by Alibaba Group, it is a value-added service product on the third party payment platform. The balance Treasure main proceeds, the user may at any time use the balance treasure to carry on the consumption payment and the Transfer Fund service, but does not charge the handling fee. In addition, the balance treasure and offline some of the entity shop through the marketing channels, users can pay directly online or point to point to pay, you can take away the goods, and skip the queue to pay for such distress.

Features: High yield, no handling fee, simple payment, quick

Baidu "hundred Hair" and Baidu Financial management B

Baidu "Hundred" and the Baidu Financial management B is the introduction of the wealth management products, "hundred" before the Baidu also online "hundred earn" wealth management products. But the differences between products don't seem to be big. It is rumored that after the date of the December 23, the first day of the financial center of Baidu, the peak of the home finance platform is to create China's fund industry sales record of "Baidu Management B" twice times, sales unusually hot. Sales process, there are nearly tens of thousands of single influx, and once caused the banking system pressure.

Characteristics

1, the minimum investment threshold of 1 yuan;

2, limited distribution;

3, after the sale of support for rapid redemption, immediate mention;

4, Baidu Financial Center and Huaxia Fund cooperation;

5. Guaranteed by China Investment Guarantee Company.

Change Treasure

Small change Bao is by Suningyun and GF funds to launch a wealth management products, online yesterday. According to Suning Financial product director Linkairong said, "Change Bao can be easy to buy in suning normal shopping, pay, also include daily life fee, hydro coal, including mobile phone charges, including credit cards, including hotel ticket train tickets, such as products can be paid with small change treasure, there is another word is the change treasure on the threshold is very low , 1 yuan money can start to transfer, the handling fee is also exempt. ”

Features: Quick to cash, easy to pay, high yield, no handling fee

Financial management

Wealth management is Tencent's mobile internet heavyweight product micro-letter launched a financial products, based on the micro-letter at present more than 600 million of the user group and micro-letter in the mobile terminal can not shake the position, is considered to be against the balance treasure market the most development potential of financial products.

Features: Unknown

Analysis：

Some of the other Internet wealth management products are not analyzed here. But overall, these financial products have a significant characteristics, that is: high income, no formalities and behind relying on the user advantage, such as the balance treasure behind the Alipay, financial communication behind the micro-letter, the two respectively in the PC end and mobile end accounted for half, and in the future financial management market will be in the mobile end of the rival. Other financial products, although also very good, but compared to the balance of treasure and just launched the development of wealth management potential is enormous.

Summary：

O2O and financial management have become the next battlefield, in this battlefield, savage price war is no longer suitable for the development of the Times, replaced by more rational strategic competition and product competition. In this respect, Suning, Tencent and Ali grabbed the development of the opportunity, Jing Dong after a year of recuperation, but also in the road to product competition efforts, development is still in the plan, and other electrical business such as Dangdang, a shop, etc. seems to have no news. We need time to announce the future of the electricity quotient. Article: Guangzhou website construction http://www.studstu.com (Guangzhou QI billion Network Technology Co., Ltd.), reproduced please keep the original link. Thank you!