Financial Industry (internet finance) Innovation-my field trips and insights

Since the yu'e Bao incident, various banks have begun to develop and develop various treasures.

Some time ago, a colleague said that Zhaoxing chaochao Ying was good, and it seemed like a fire, so I also started this treasure. Since its implementation, although the daily profit is a little bit, it is more than other treasures, in terms of revenue, it is already very good.

The so-called o2o life is produced by various treasures. The vast majority of the banks I participate in or visit are working on this.

How can we say that banks are making great efforts on this? We can see that the market here is huge. Indeed, since the popularity of smartphones, banks have indeed gained a major profit channel from the market.

Although CMB is more practical in o2o than other banks, I can only look at it from the left to the right, that is, I can't see any innovation. Is the so-called innovation the popularity of mobile phones, is it innovative to buy things using apps or web? Reality is undeniable. It is an "Innovation" for institutions like banks ".

Well, we all know about the financial innovation of banks. Now we are talking about innovations of people or private enterprises.

At present, I have found a bunch of websites similar to headhunting on large recruitment websites in China and visited some industries and enterprises in Shenzhen.

It is understood that their so-called financial innovation is nothing more than the traditional P2P lending or implicit lending or payment, so it is called the financial innovation they understand.

Not to mention the Internet risks of payment.

Do you think this is innovation? To put it bluntly, we only need to use the Internet as an intermediary agent for existing services.

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Here, I don't know what the so-called innovations are between the official and the civil society. I hope they are doing something that is beneficial to the common people.

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Here, I will talk about my personal opinions.

The essence of innovation is to build on the masses of people and facilitate the circulation of national financial currency as a whole.

At present, most of China's financial innovation is a different tool. It is a very crude and slow release period with high risks. It is not an internal institutional innovation.

Without institutional innovation, that is, the elementary desire to benefit the nation and the people, all so-called innovations have almost zero results.

A series of innovations made by CMB represent a correct direction. The motivation for innovation is not the result of making profits to the people, but the pursuit of loopholes and faults in its own system.

As long as it is built on the core point of benefiting the nation and benefiting the people, what new system and what new tools will be recognized by the public, and there will be a return if there is recognition.

No matter how innovative finance is, it is a service industry, not a productive force. To see this, private enterprises cannot go wrong.

Non-governmental enterprises are making great efforts in the financial industry, and the financial tools corresponding to the financial service industry are to benefit the country and the people.