Banking into the new battlefield of internet giants (1)

For the internet giants, what is missing is a formal banking licence. Even so, in addition to deposits, the bank's main business has faced almost total challenges.

Balance treasure the limelight, micro-letter 5.0 will carry the payment function turned out.

With new technologies and thinking, internet giants have grabbed into the financial sector, the Thunder bursts, the smoke is approaching, although not yet in a heavyweight, onlookers still can't stop booing, "tremble, Bank!"

"Wolf" has come, and may come more than "wolf". Ali Small micro-finance Group has a framework, Tencent Financial layout also has an infinite imagination, Beijing East financial position in the Second Decade of one of the three major directions, Baidu has just received a license to pay.

The spread of the "windfall" of the financial sector, the Internet has become the giants of another battlefield.

The future is hard to anticipate. Liu, deputy governor of the central bank, said: "Internet finance is a new business that cannot be taken seriously in the Internet age, it can be said to be ' new finance ', one of its characteristics is tomorrow is unknowable." ”

Finance, after all, is the financial, no matter who will be the ear, in the industry, the core of competition must be better, more convenient to meet customer demand, but also to provide a safe platform and perfect wind control system.

Frequent movements

Over the past July, internet finance has been a frequent activity:

New version of Alipay Wallet online, and the formal opening of its client balance treasure function;

Ali small loans and Oriental securities launched the "East card capital--Alibaba Special Asset Management plan" was approved;

Sina issued "micro-bank", can handle the cost of households, funds transfer, remittances, credit card repayment and other business, and will be involved in the financial market;

Tencent announced that it will release the 5.0 version of micro-letter, the main application direction is financial management, and will work with its tenpay to launch the payment function;

......

Ma, the former governor of the bank, which has repeatedly published the internet impact on banking, recently sounded a warning in a forum that finance is facing a capital-stripping and technical de-media, and that the rise of direct financing will gradually marginalize banks ' indirect financing methods.

Nowadays, in addition to the traditional Internet payment market segments such as online shopping, aviation and games, the third party payment enterprises start exerting their force in the new payment market, such as fund, education and Cross-border payment.

June 13, Alipay launched the balance of treasure service, just half a month, the partner to increase the treasure will be the first to board the number of Money fund users.

However, the balance treasure of the user's per capita investment of only 1912.67 yuan, and the traditional fund of 780,000 yuan each household investment compared to significant differences, the fragmented financial management model shows an important feature of internet finance. This is one of the main reasons why bankers are not "shaking" enough.

With the popularity of mobile internet, the financial shock waves of internet giants are more of a siege. Pay Treasure Wallet Mobile phone client opened the balance treasure function, micro-letter "Shake" also with Tenpay combined. In the three traditional financial business of deposit, credit and sink, internet finance not only dabbled in "sinks", but also in the field of "credit".

Ali has two small loan companies in Zhejiang and Chongqing, offering credit and order loans to small and medium-sized enterprises, while offering credit to consumers who shop for Taobao and cat shopping malls. With the credit data accumulated on the platform of its electric business, its operating cost is much lower than that of bank loans.

As of the end of the two quarter of 2013, Ali Small loan has accumulated for more than 320,000 small micro-enterprises to solve the financing needs, the cumulative loan over 100 billion yuan, non-performing rate of only 0.87%.

2012, Jingdong Mall and Suning appliances have also announced the establishment of microfinance companies to enter the supply chain finance.

In 2013, MA told Caijing National Weekly that Tencent was also considering applying for a microcredit licence.

For the internet giants, what is missing is a formal banking licence. Even so, in addition to deposits, the bank's main business has faced almost total challenges.

Is Ali going to be a bank? This has been a constant question in recent years. To be sure, Ali had applied for no fruit, then repeatedly openly said he did not intend to do the bank.

An Alibaba Group executive explained to the Caijing National Weekly that the central bank's positioning for Alipay is a "wallet", meaning that it cannot have a bank account, "Do we want to give us a location for a bank account?" said no, unless you have a bank licence. But not to give us a bank license, and finally is today. ”