2014 end of the market point: investment in the spring wind to the internet finance

Year after year, again to the end of the market point of time. 2014, the world of internet finance like Spring breeze. Peer-to-peer, public financing, mobile payments and other emerging areas of internet finance can be said that the financing is constantly, the drama even Taiwan.

Mobile payment

The first wave of investment, blowing into the mobile payment field.

The beginning of the new Year, January 3, 2014, drop a taxi announced with micro-letter payment cooperation. And just one months ago, fast just announced the partnership with Alipay. Thus, Tencent, Ali empty War, sword refers to the mobile payment field.

In order to compete for the big cakes in the mobile payment field, Tencent and Ali are also spelled out, while the user is drunk and sitting for the benefit of the fisherman. The essence of the Internet field-"wool out in the dog, the pig to pay", reflected incisively and vividly. The first battle began in January 2014. This side, the use of micro-letter to pay the drop of taxi users, passengers and drivers each enjoy a 10 yuan subsidy; there, Ali is not weak, the use of Alipay to pay the fast user subsidy more passengers per single 10 yuan, the driver per single 15 yuan. The subsidy battle continued to escalate in February. With three adjustments, the drip subsidy has soared. Peak time has reached the new passenger each subsidy of 15 yuan, the new driver per single subsidy of 50 yuan. Fast catch up, the maximum subsidy per order to reach 13 yuan. Since then, the subsidy battle has faded.

Seemingly two shake hands, in fact, their respective reserves of grass, to facilitate the war. As the end of the year-end, December 9, the drop announced that the D round of more than 700 million U.S. dollars in financing by Tencent and international investment institutions Temasek, International investment group DST main cast. Early in a round of financing, drop by taxi to obtain from the Jinsha River venture investment of 3 million U.S. dollars, B-round Tencent to invest 15 million U.S. dollars, C-round Tencent reinvest nearly 100 million U.S. dollars. Fast recently disclosed that has completed the C round of financing, financing amount far more than the B round of 100 million U.S. dollars scale. Although the fast has not yet announced the C round of financing details, but the market has long been circulating fast start financing news, I believe that its official release of the C round of financing details of the time is not far.

Peer-to-peer Platform

The second wave of investment, blowing into the internet financial sector the most attention to the peer-to-peer.

According to the first net loan data statistics, as of December 13, 2014, the national total Peer-to-peer operating platform 1540; 2014 1-November, the National Peer-to-peer Network loan turnover of up to 215.2 billion yuan, the loan balance of more than 80 billion yuan. Total turnover is expected to exceed 250 billion yuan a year. For investors with a keen sense of smell, the Chi market is undoubtedly a coveted big cake. So, we see more than a year of PE marriage peer-to-peer investment case.

From the investment case, "all-inclusive" integrated Peer-to-peer platform and "small and fine" vertical domain Peer-to-peer platform each lead. Plainly, the Peer-to-peer field of savage growth has passed, now, has entered the stage of bayonet. How do you spell it? Either spell "scale" or "feature". Because of this, the Peer-to-peer field of investment cases are mostly concentrated in the above two types of platforms.

On the one hand, "small but fine" in the vertical field of Peer-to-peer platform frequently access to capital pro-Lai. Take a focus on the car mortgage business Peer-to-peer platform companies, first last June 19, micro-credit network won billion yuan investment. This round of investment in the leading institutions for the grand capital, with the investment institutions are listed companies Han Ding (300300) of the parent company Han Ding Woo group. Then, July 15, 2014, vote which network announced to obtain billion investment, investment institutions for the GF Securities Direct Investment company wide letter to Germany. In addition to the Peer-to-peer platform for car mortgages, the year has been the focus of attention on the field of services in the three rural areas of Peer-to-peer platform companies, of which the most influential one of the heavy investment case is, in early November, Lenovo Holdings announced a small 1 billion yuan to the wing-long loan.

On the other hand, the "all-inclusive" of the integrated class Peer-to-peer platform is not inferior. Building blocks boxes, favorable nets, Red Ridge Ventures, Lu Jin and so on have started financing. Earlier this year, the building block box announced the acquisition of a million-dollar investment in Yintai capital. Six months later, it announced the completion of the B-round financing, from Millet and shun for capital, the total financing of 37.19 million U.S. dollars. B-round with the cast is very luxurious, both the well-known Jingwei China (Matrixchina), and Temasek's peak investment (Vertex Venture Holdings), in addition, a round of investors Yintai Capital (Ventech and Jade Investment (Magic Stone Alternative). June 18, the favorable network announced the completion of the tens of millions of-dollar B-round financing, investment institutions for the morning Hing Capital.

Public platform

The third wave of investment, blowing into the emerging financing model-the public sector.

2014, is called "the Year of the public raise". We see that in this year many of the domestic platforms springing up like spring. According to incomplete statistics, as at the end of September, there are more than 100 platform online, 62% for the return-type platform, 23% for the stock-raising platform, the rest for other types of business mixed platform. Among them, a total of more than 10 platform is a zombie platform-not to start operations or have closed down, and another 3-5 of the platform quietly restructuring.

According to the World Bank report, the size of the developing world is expected to reach $96 billion trillion by 2025, of which 50 billion dollars will occur in China.

Finish with the overall situation, and then look at the business situation in the subdivision area. According to the disclosure, the first rise of the roll call time, the cumulative has released more than 7,000 public-funded projects, of which more than half of the announcement of successful financing and to pay investors as promised. Another well-known industry platform-the public network, accumulated 70,000 investors for performances, music, publishing and other segments of the public-funded projects, raised more than 21 million yuan of funds. And the stake in the field of the Pioneer Angel sinks, as of December 13, 2014, its official website shows that has 230 projects, completed more than 1 billion yuan of financing.

2014, whether domestic or foreign, a public-funded mode of fire are invariably burned to the real estate sector, for a time, indeed detonated the real estate public. May 17, 2014, the U.S. real estate platform--fundrise announced a 31 million U.S. dollars in a round of investment. Interestingly, the investment-casting agency is the CEO of Martin Burger and chief investment officer Tal Kerret, chief executive of China social networking site Renren and the US's most prestigious property company, Silverstein Properties. According to the media, Fundrise is by far the highest level of financing of the public-class platform.

Internet finance This towering tree, finally can bear what fruit? It is still unpredictable, but Lu Jin, the favorable network, micro-credit network, Fundrise, Marco Polo, such as the hundreds of billions of valuations, billions of dollars to finance the wealth story, affecting the investment sector of the nerves, but also let us see the internet financial sector flash investment opportunities. In the coming new year, there will be more and more nuggets in the Internet financial sector.