"Baby" tide gradually receded, electric business giant stare at the bill market

"Baby" After the wave, the electric business giants will look to the paper market, a round of bills and financial fighting again hit. And from the "Baby" fund to Peer-to-peer loans to finance money, electric business bosses are increasingly financial ambitions.

"New favorite" Bill lending to the Giants Guild Wars

Recently, Suningyun Financial company launched a series of bill financing products, and Shanghai Gold and Silver Cat Bill financial platform cooperation, and almost at the same time, micro-wealth also launched a similar paper products.

In fact, as early as this April, Taobao Wealth management channel's "Recruit Treasure" has been the first to introduce paper loan products, and continue to be in a state of short supply. The first line of 4 bills and loan products expected return rate between 5.8%-6.5%, the period is about half a year, due to a small amount of online, quickly sold out. At present, Ali has sold more than 700 loan products, the expected annual rate of return from the beginning of the online 6.9% down to 6.5%, the float is not small, and its page shows that all the Bills category products have been all sold.

Good buy funds believe that, after the "baby" yield plummeted, the market heat gradually retreat, the Internet electricity business are looking for new financial products. After the introduction of the Beijing-East insurance system "Baby", second, the bill to finance, on the one hand, shows the power of the electricity business management, on the other hand, also shows the electrical business of wealth management products in the direction of high yield, diversification of the evolution, at the same time with their own existing platform, more in line with customer needs, establish long-term customer relations. In the long run, this kind of evolution will make the financial market gradually subdivided, the differentiation will be more obvious.

At present, Ali, Beijing-east, Suning, Sina, etc. have joined the war. The visible future, the team will continue to expand, which not only has a private network platform, there is the internet big guy platform, as well as banking system platform.

High-yielding bills are sought after

Bill financing products in fact, financing enterprises with their own bank acceptance of the pledge to provide collateral, through the Internet platform to release products to individual investors financing. The bank acceptance is accepted by the bank, and the bank undertakes to pay the amount of the bill to the owner unconditionally after the maturity.

It is noteworthy that, whether it is Jingdong, suning or Sina Wealth, its bill products linked partners are a "gold and silver Cat" Internet Bill financial platform. "There is no difference between the two products, and the difference is in quantity. Gold and silver cat related people told reporters.

Suning Financial official website shows that its bills and financial products of the expected annual return rate of 5%-8%, the product has been on-line in 58-118 days, the Beijing-east "small ticket", the expected annual return rate between 5.8%-7%, the period of 1-6 months, starting investment amount of 100 yuan. From the home page of the gold and silver Cat, the platform launched the "silver-enterprise-surplus" series of bills financial value of more than 50,000 yuan to 200,000 yuan, the term from 37 days to 107 days, the rate of return is basically 6.6% to 6.9%, the mortgage of the acceptance of the bill also comes from many banks, such as Jiangsu Dafeng agricultural firm, Pudong Hair Bank. But it is now a full-sign state.

"For example, to see Suning easy to buy website, the website shows that this issue of the bill financial products a total of 15, are and Shanghai gold and silver cat bills platform cooperation products, the expected rate of return between 6%-7%, the maximum period of 118 days, the minimum of 58 days." Products also require that only to reach the size of the raise, the product will not take effect, or failure, the funds would be refunded, in addition, the period of funds can not be redeemed in advance. "Good Buy Fund research center analyst Experience points out."

"This kind of financial products belong to non-standard category, different from the previous Money fund products, equal to non-standard assets from the bank of a way out, its yield will be higher than the standard products." "Huatai Securities analyst Wangle pointed out. Central Finance and Economics University Banking Research Center director, Ali Small loans, public Ann Online, Tianhong Fund, recruit treasure five major aspects of the plate. The first four aspects of business have made rapid development, and just set up a fortune only four months, the accumulated transaction amount has exceeded 10 billion yuan. Although small gold clothing does not agree with the new platform's business is peer-to-peer, but in terms of business model, there are still similarities. However, according to the small micro-enterprise financing case issued by the Treasury, the average financing cost of the financing side is only about 7%, which is much lower than the average 18% of the industry, and the financing efficiency of the Treasury platform is 10 seconds, which means that the enterprise can complete the financing in 10 seconds. The average financing period for small micro-enterprises in the treasure-raising platform is 2-6 months. In the investment and financing activities, the Treasury is only a one-time charge to the financing side of the fee 0.1%, that is, investors in the Treasury of the average investment return rate of 6.99%.

The Treasury is currently a platform for investment and financing. In this framework, the left side is a small micro-enterprise financing side, including self-employed, Taobao business shop, etc., the right is corresponding to the small micro-users 300 million, and these users are Taobao and Alipay common active customers. We want to build a platform that allows them to deal directly with fragmented financial resources to meet fragmented financing needs. "In the 19th communication with the media meeting, the small micro-Gold Ministry of Finance Division general manager, recruit Treasure C E o Shang," now has more than 40 financial institutions and recruit treasures to complete docking, and 101 financial institutions are waiting for the results. The