2015 Internet finance: Internet securities Business

History does not repeat itself, but it is always strikingly similar. If "similarity" is not "repetition", then we can always find this trend from the original experience and existing theories. This is an opportunity to seize it is a kind of ability, "with the Times, innovation and enterprising" will lead in the forefront of the industry.

However, the Times will give a group of people extraordinary opportunities, only a very few can seize it and through their own efforts to achieve greatness.

Free sharing of the Internet, large data innovation in the general financial

When everyone is talking about the prospects of the micro-banks, sesame credit ratings, it should be aware that this is the big data in China's credit system, or large data in the financial system to promote the use of.

This is only the beginning of internet finance, is the V1.0 version, the future will be more diverse and meticulous, more intelligent, personalized posture show. The "spread" of the Internet financial business is trying to cover every corner of the whole financial industry chain system, supporting traditional finance and pushing forward the finance of Pu-hui.

If the element is a common individual to release the signal, then internet finance is a giant accelerator, in which access to data, outside the laboratory of traditional financial institutions, "Ray" stimulation, turned out of the runaway proton is the vast interstellar financial data. And in the Internet industry, there are free collision, sharing the common resources, so that the world's leading internet cloud data results. The above precisely is the traditional finance lacks, the traditional finance with own circular data self-proclaimed, has not realized comprehensively opens, accommodates, absorbs. When a runaway proton succeeds, there are thousands of innovative breakthroughs to emulate success.

Large data in the application of the financial system, easy Peer-to-peer Network Loan Research institute that is not only related to money and wealth directly related data, all over the ordinary individual elements such as hobbies, physiological needs (basic necessities), psychological needs (be respected) and so on two of times clustering data, through some advanced data processing, computing, The best matching demand and credit of financial data are obtained synthetically.

Internet securitization, the blockbuster of internet finance

Instead of dividing internet finance into peer-to-peer and public equity, it is better to generalize the term "securities" according to more unified foreign financial terms. Then in China's Internet Security Development:

The first stage is to simply use the Internet to sell traditional securities; The second stage is that the Internet institutions to integrate the advantages of financial institutions, Yan extended more easily to promote, easy to share, easily disseminated products; The third stage should be, to the user's needs as the center, from the circle of two symmetrical points to four points, and finally more than a circle point, Provide financial services. This enables effective asset management, which configures assets to the best areas around demand without leaving the demand.

Take concrete examples to illustrate, in the Internet securitization of the enterprises, such as 91 finance, Baidu, Ant Finance, Tencent and so on, in addition to the traditional finance from the Ping an group. Take 91 finance as an example, in the first phase, in 91 financial supermarkets

For ordinary individuals and traditional financial matching transactions, three years of accumulated service financial products consumers more than 3 million people, nearly 200 billion yuan in volume, has been one of the largest innovative financial services companies. In the second stage, the policy of encouraging innovation, 91 of finance from the role of intermediary platform to the role of the management of self-management, has recently launched the "Years to stay in Gold" project, is the Beijing municipal government, Bank of China and 91 financial cooperation, "Small and medium-sized micro-Enterprise Growth Fund" an important part is a new financing channel for small and medium-sized enterprises in Beijing. In the third stage, it can be speculated that each individual being served will become the center of the 91 finance, through the financial matching services and assets of each point on the circumference, to form the internet's large capital pipe circle.

In the original individual, grasping the important elements such as risk preference, revenue expectations, security trends, on the basis of the advanced algorithm to obtain the asset allocation domain, risk pricing range, this is the future of Internet securitization.

Who is the opportunity that the regulators are encouraged to sound?

The development of the industry, traced, in China's asset management industry, the Internet industry is a younger generation.

Reference to the United States financial Division, mixed operating experience, the world trend, long time must be combined, and long must be divided. Beginning in 2012, the regulatory layer deregulation, investment liberalization, the threshold of lower, is really the opening of the "valve" opened. Banks, trust companies, insurance companies, securities firms, futures companies, securities investment fund management companies, and later the Fund subsidiaries to disrupt, so that the existing financial institutions to break the competitive barriers. A competition, innovation, mixed business trends looming. On a platform, to look at another type of platform business operations, to bring inspiration to their own industry.

By January 2015, Xu Hao, deputy director of the regulatory Department of the Securities and Exchange Commission of CSRC, proposed to support Internet institutions in asset management operations. To allow Internet organizations to apply for the relevant business license is a stepping stone, the use of large Internet data, cloud computing and other technologies are hard means to supplement the traditional financial services, fully meet the needs of users is an important force. So who will the opportunity fall into?

At the second China Internet Finance Forum, which Xu Hao the SEC's views, Xuzey, chief executive of the 91 financial founders, said that internet finance companies were only improving and not subversive, and that the nature of finance would not be changed by Internet finance. Internet finance may change the pattern of traditional financial structure to some extent. As a representative of the Internet financial industry, 91 financial Gonggeng Three is more than enough, hoping to get more support from the regulatory agencies, with the support of traditional financial institutions.

A philosophy-related theory is that only in an environment of adequate regulation can we be free to move more smoothly. It is like saying that in an age of strict legal punishment and complete system, you and I can walk freely in the dark night.

20% of the wealth and the population concentrated 80% of the financial services, and in behavioral finance, neglected, neglected minority groups, is truly investment, appreciation of the significance. In society, there are always a few groups to instill and influence more people with thought, and gradually, social cognition is established. In the last few cycles, a cycle will emerge and another minority will stand up ...

Internet finance is moving from minority groups to more, internet finance is "catfish", more worthy of deep digging is a blue ocean. Dark night to the internet financial black eyes, with large data to find the light is not far away!