Ant Gold Costume secretly develop stock software

Summary: Ali's balance treasure as a pedigree, profoundly affected the cash management market, and then from personal consumer loan products to personal credit products, Ali Small Micro Financial services Group Ant service is speeding up the territory of the financial sector. Beijing business Ali's balance treasure as a pedigree, profoundly affected the cash management market, and then from the personal consumer loan products to personal credit products, the small Micro Financial services Group Ant service is speeding up the expansion of the territory of the financial sector. Beijing Business News reporter recently exclusive learned that Alipay is secretly developing stock software, is expected to be online after the Spring Festival.

Ant Kingsre Plotting online stock-trading software

Beijing business newspaper reporter exclusively learned that the ant gold clothing is studying the stock of software will not be embedded in the form of Alipay wallet, but the release of a separate app.

Before this, the Alipay wallet has loaded the stock market function, investors can add optional stock, see its time-sharing, K-line, week K-line and the month line, in addition, turnover rate, p/E, Circulation market value, news, announcements, research reports and other functions readily available. For this message, the ant gold Suit related people noncommittal, just said because there is no relevant license, currently can only do market analysis, and can not provide trading services.

In addition, the payment of treasure Wallet recently also on line with the function of the securities account, at present, the majority of the securities can be associated with small brokerages, Citic Investment, founder Securities, Great Wall securities, such as 13 of users as long as the input funds account number and trading password can be queried stock asset information. But cannot carry on the stock sale, also cannot carry on the fund the access. In the opinion of analysts, Ant gold in the software in the stock market or will take three steps to go to the strategy: the first step is the online stock quotes, the second step is related securities brokerage accounts, the last step is to realize the transaction function.

Beijing Commercial News reporter noted that the user related securities account needs to agree to the "Asset Inquiry User Service agreement", the user's obligations include authorized to designate securities companies, share assets information sharing to Alipay and on the Pay treasure platform to display. At the same time, users need to agree to the Alipay account of the part of the information provided to the Securities company, the securities company will be the fund account and Alipay account information related. But from the brokerage side, there is still no real function, this is perhaps why the current and pay treasure purse cooperation is all small and medium-sized securities companies do not see the reasons for large brokerages. The intriguing thing is that the publicity style has always been radical ant gold clothing this time in the "Linked Securities account" This function to maintain a low-key.

Plot equity Investment Market

Ali's balance treasure as the Internet financial pedigree, a profound impact on the cash management market, and Ali the secret development of the software stock, behind the Chinese rights and interests of investment in a huge market plot. However, for Ali version of the software can be implemented to open account functions and online transactions, whether the balance treasure in the funds used for stock purchase or to play a new implementation of the Fund and stock accounts seamless docking, or unknown.

Ma Yi, analyst of the Analysys think-tank, said that the balance treasure since the advent of 2013 has caused the rapid internet financial boom, but since 2014, the return on the balance treasure has been declining, the attractiveness of users also greatly reduced, especially last year's four-quarter stock market, attracted a large amount of money into the stock market, In the process of settling a lot of customer funds. Ant Gold Clothing research and development software, may be to the stock market sedimentation funds and balance treasure and other products docking. In the future, users will not only be able to balance treasure in the funds directly used for shopping, but also to purchase shares directly, the new not to check the funds and sell shares of funds can automatically purchase balance treasure, to protect the balance treasure size and customer flow.

In Ma Yi's view, this is also the future development trend of internet finance, target groups from pure grassroots users to higher net worth of customers. For example, the great wisdom of the previous market services to attract a large number of investors, after the acquisition of Hunan Treasury Securities, the SSE and Shenzhen trading code, from the simple market Analysis Services to provide trading services.

Internet financial industry veteran said that Ali in the Alipay embedded in the stock application, not only to provide the front of the demand, but also in the back-end of the integration of a number of securities trading channels, investors can bind their own stock account directly in the above transactions. In this field, Oriental wealth, flush, great wisdom these vertical giants have been operating for many years. However, if you want to provide the function of the stock trading, it is bound to work with the broker.

Buy Hang Seng Electronics to pave the ground

A veteran market personage is not surprised by the news that Alipay will enter the field of stocks. "Buying Hang Seng electronics a year ago should be preparing for that." The person said.

On the evening of April 2, 2014, the Hang Seng Electronic Bulletin confirmed that its controlling shareholder Hang Seng Group will be easy to master, the Hang Seng Group 17 natural person shareholders intend to 3.299 billion yuan cash, the Hang Seng group 100% shares to Zhejiang melts the letter. And Ma Yun will win the Hang Seng electronic holding right through Zhejiang credit. And in the acquisition of Hang Seng Electronics, Ali for the Hang Seng Electronics and Ali's business integration has been constantly. "This could include the intention of Ali's layout of the software market. "A private equity person in Beijing said.

Wang, chairman of Formax Financial Circle, said that Peer-to-peer, balance treasure and third-party payments were part of the banking sector in terms of the Internet's traditional financial transformation. With the advent of the bull market, the Internet's transformation of the brokerage business is more obvious, there are three types: one is the traditional brokers active transformation, the second is the financial vertical portal and bat (including Sina), the third is the emerging Internet financial companies.

The transformation of the traditional securities broker, with the National Gold Securities, Zhongshan Securities as the representative, to the Low commission rate for traffic; financial vertical portals and bat, more in a certain aspect of the formation of a stable service model and industry integration capabilities; Emerging internet finance is a fine cultivator in a service.

Wang that, whether or not domestic financial licences are open, the competitive advantage of emerging internet companies is not inferior to bat. The reason is very simple, brokers to Ali, Tencent, Baidu, Oriental wealth, Sina financial attitude ambiguous, on the one hand, the desire to bring new customers, on the other hand, the fear of reduced to a giant platform on a simple channel, resulting in the loss of old users. Therefore, the Formax and other emerging financial companies will become the important layout of the Internet strategy of the brokerage, play a role of balance and diversification of channels.

A single missing license piece

Li Shaojun, a researcher at the Institute of Finance and Securities at Renmin University of China, has more advantages than other data providers if Alipay is involved in the field of stock trading. "Alipay's biggest advantage is its capital advantage, because Alipay is the nature of the settlement, as long as the receipt of a trading licence or brokerage licence can intervene in this field." In fact, as early as April 2014, there was a market rumor that Alipay would buy the Yangtze securities. Although this rumor was later paid treasure denied, but the market for Alipay to enter the securities market is expected to begin germination. At the same time, Li Shaojun believes that Alipay may also choose a more convenient way, and not necessarily have to get their own licences, that is, with other securities companies to obtain the qualification to do this business. At present, as long as the payment of a brokerage licence can engage in stock trading, trading information to provide this service, and the current area is gradually liberalized, Alipay is more likely to choose to cooperate with other brokerages.

And for Alipay future profit way, Li Shaojun is likely to use their own funds to import money into another brokerage platform, using other securities trading channels, but the two interests. For Alipay is about to launch a business facing market size, Li Shaojun thinks it could be at a trillion level. "At present only two and guarantee gold accounts, the funds have reached a trillion-level." ”

In addition, Alipay will mainly collect Commission proceeds. And for the scale of the Commission market, it is particularly worth the attention of the market. According to the data of the Securities Industry Association, the total number of transactions in Shanghai and Shenzhen in 2014 was 73.78 trillion yuan, and if the average commission rate of brokerage industry in 2014 years was 0.071%, the total commission income of the brokerage company amounted to 52.38 billion yuan. This shows that Alipay, if the stock market, the face of a huge space.