What is a treasure?

What is a treasure?

The company operates independently, positioning itself as a financial open platform for banks, insurance companies and fund companies.

Chen Zhiming, general manager of the Treasury company, said there was a problem of asymmetric information between the financial users and the finance services. On the one hand, there is a large number of financial users, demand thousand faces; On the other hand, there are a large number of finance institutions in the market, with professional service ability and risk identification ability.

"Traditional financial institutions want to find people with financial needs, users want to access financial services through the Internet, but the intermediary information is asymmetric." "Chen Zhiming said.

For example, users need fast, personalized needs, but a dazzling range of financial products, the cost of finding financial products is high. Financial institutions have professional service capabilities, but not adapt to the Internet, it is difficult to quickly find customers, to achieve rapid growth in the performance of the Internet.

Among the financial users and institutions, the Treasury wants to make a bridge between the two sides. The Intermediary Information Service platform, which provides investment and financing for the positioning of Treasury, does not provide financial products and risk management, but only helps the financial institutions to connect the users and improve the docking efficiency.

　　Where do users come from?

Recruit Treasures The company was established at the same time, Tianhong Fund announced and recruit treasure platform to reach strategic cooperation, participate in the Treasury company to build an open financial Information service platform, and to recruit treasure Open Tianhong Fund users. Both sides through the system docking, guide Tianhong fund customers to buy differentiated financial products. At present, Tianhong fund has 81 million users.

For the user docking form, Tianhong Fund general manager Guo Shaqiang said, before, the balance treasure after the user redemption funds, if you want to buy banking, insurance and other financial products need a number of steps, very troublesome. Recruit treasure on the line, the balance treasure after the user redemption funds to buy treasure platform on the wealth management products will be very convenient. But he did not disclose the specific docking pattern.

Tianhong Fund users to recruit treasure open, will the balance treasure users caused by diversion? Tianhong Fund general manager Guo Shaqiang said, not worried about their users lost. For the balance treasure customers, you can buy some long term, more profitable products, "to meet the user to buy different income products demand, users will be more and more like (Balance treasure)." ”

Chen Zhiming, general manager of the Treasury, said that the Treasury as an investment banking platform, will look for traffic resources to cooperate. Early, the treasure will be with Taobao financial cooperation. At the same time, the treasure will also launch a separate domain name.

For the treasure will be settled into Alipay, Chen Zhiming did not give a clear answer, only to pay treasure is to recruit Treasury funds settlement way.

　　Is the balance treasure positioned the same?

At the end of last year, there have been news that Alipay will join the fund to launch the balance of "recruit treasure." Now it seems that the treasure is an independent operation of the company, by the Zhejiang Alibaba (Alipay parent company) investment set up.

Balance treasure and recruit treasure positioning is different. The balance treasure is the money fund, and has the exclusivity, pays the treasure only with the Tianhong fund to increase the treasure to cooperate; The treasure is the investment financing open platform, opens to the bank, the insurance company, the fund company and so on each kind of financial institution, locates has the certain investment period the product, does not include

In this way, Alipay provides the wealth management products in addition to the Money fund balance treasure, but also includes many different income, different investment period of financial products, in order to expand the user size, enhance user stickiness, activate the balance treasure user resources.