To dance with the financial giants

Although Ma, Dong Wenpei, and many other banking bosses in the two sessions to "idling between the banking system, there is no economic effect on the real economy," should be to the Internet to levy a risk reserve "and other arguments to choke on the balance treasure as the representative of the Internet finance, but indeed some bankers chose to take practical action to express their optimism in this area.

The author has two interview object, one from Ping an bank to set up a net loan company after leaving office, another quite famous banking analyst, then job-hopping to Jingdong Finance.

The latter cited five reasons: three focused on personal interests and career planning, while the other two related to the area of Jingdong finance, which is truly competitive, while Jingdong has a platform advantage and a pragmatic atmosphere. The former is only one reason: Now is the best time to go to the Internet for financial entrepreneurship.

The increasingly overlapping battlefield seems to have made it more frequent for traditional financial talent to migrate. More and more people began to think under the fancy suits, whether to maintain a decent salary, or to swing up their sleeves to a Jinshan field.

In fact, many job-hopping financiers, like the Gaofu now in the banking system, do not think that internet finance is doing anything to subvert the banks.

They told reporters bluntly, internet finance only for retail business, debris business to provide a convenient channel, how to toss, and only in the brokerage and channel business to move a little bank cheese. Even the loudest balance of the treasure, leaving the bank agreement to provide the spread of deposits, also not scenery.

What are they drawing? They map the possibility of using the Internet channel to dance with the crocodiles in this more market-oriented development opportunity.

As the former ping ' an, a small loan company, said: "Where have we thought about subversion?" We can't subvert the bank. He is more inclined to think that internet finance or financial Internet, no matter what the name, is to use the Internet channels to fill the bank may not penetrate deeply enough places.

"The bank's tentacles are broad enough to cover all of them, but some edges and corners are not deep enough, such as the support of small start-up micro-enterprises that lack money and need money." We made these corners deep enough to make money and names "--that's his exact words.

For Ma on the Balance Treasure "no effect on the real economy", he is the balance treasure cry. He told reporters: that is because internet companies do finance, only from individual customers into. This is the innate genetic decision, only the hands of the existing weights used well, the latter can be pried more business.

Fall back to the original logic, internet companies have indeed "been in the right" for more than 20 years. Because of the popularity of mobile interconnection technology, based on the embedded in their own electric sales and social platform on the entrance derived from the payment function, and then gradually driven by the payment function of the Fund insurance sales, securities account opening, balance financial management, microcredit, credit payments, such as a series of never thought to touch the other people's cheese. So the next step the Internet companies want to do, really called people look forward to.

For example, yesterday, the first batch of five private banking pilot officially landed, Ali and Tencent Giants are willing to, respectively and their small partner flagship "small Save Small loan" and "large deposit small loan" mode. Of course, the basic property of private banks is the bank, but its products and services developed more than the general commercial banks have the internet gene, is completely predictable.

Another example, also yesterday, Alipay and tenpay front and rear foot announced the joint CITIC Bank launched a network of credit cards. What does that mean? It shows that Internet enterprises use the data of consumer behavior on their own platform for the bank to excavate and provide new service. The entity credit card will be weakened in the future diversified payment system, each kind of payment tool will be able to overlay the credit function.

Frankly speaking, internet companies and banks together to promote the card-free payment and credit services.

The advantage of traditional financial institutions lies in financial professional ability, strict wind control, strong capital and policy endorsement. The advantage of Internet enterprises lies in simplifying channels, low transaction costs and the ability to quickly create new business models. The Internet and financial enterprises can not expand to the other side of the absolute advantage of the field, which is determined by the attributes of both sides.

But we all have eyes, both without changing the gene, together to make the cake bigger, and flour is our consumers.

At this point, those who job-hopping the financial talent is what it is self-evident that-jump out of the arms of the crocodile, but with the big crocodile dances.