Brokers "grafting" Internet financial platform

Following a number of banks involved in P2P business, another major traditional financial institutions - securities companies are also targeting this growing Internet financial platform industry.

Recently, Shenzhen P2P lending platform where investment network, Beijing's Internet financial service platform 91 financial has announced the acquisition of GF Sind, Haitong Kaiyuan investment. It is worth noting that the two investment companies are GF Securities and Haitong Securities, a direct investment subsidiary.

Since last year, all kinds of capital began to "get together" influx of Internet finance platform represented by P2P lending, online banking and vertical search. However, with the development of the Internet finance industry and the intensified competition, these entrepreneurship platforms have already bid farewell to the demand for funds and turned to the space and prospect of resource integration between the two parties.

91 Financial CEO Xu Zewei, where cast the net CEO Wu Xiangyong in the "First Financial Daily" interview, said the choice of securities firms are direct investment companies, the main fancy is the "grafting" broker resources, to enhance the brand and expand their business Space and other aspects of the positive role.

Deep integration of brokerage resources

Founded in September 2011 91 The initial orientation of finance is to connect with traditional financial institutions such as banks, funds, insurances and trusts and provide financial products shopping guide services to financial consumers. As of now, 91 Finance has conducted business cooperation with more than 300 financial institutions across the country.

Since 2013, with the accumulation of financial user databases and financial product databases, 91 finance has started to expand from the front-end marketing channel business to the back-end financial product business. At present, 91 financial includes 91 financial clouds, 91 financial open platform, 91 financial supermarkets, 91 Wang Choi, 91 value-added treasure.

Xu Zewei told reporters that after 91 finances have completed a new round of financing, they will fully explore the innovative exploration in the field of asset securitization in addition to promoting the development of various innovative businesses and service upgrades. "China's asset securitization business is gradually liberalized and its market potential can reach 100 billion in scale with great potential."

Commenting on the reasons for choosing a broker as capital, Xu Zewei believes that securities companies are more in line with the essential attributes of finance. Both of them have extensive and close cooperation with other financial institutions and belong to an open business platform. The follow-up cooperation will have Greater imagination.

Wu Xiangyong also told reporters that many investors come to approached the investment company, where to choose to have the background of the securities broker Sindhi is equally fancy and behind its "GF Department" potential cooperation in the future in the capital side, the asset side can explore New business model.

In fact, in addition to GF Securities and Haitong Securities through its direct investment company involved in the Internet financial platform, May 16 this year, Founder Securities and Shun Wang Technology had announced on the Internet financial products and network promotion and other business reached a strategic cooperation , And will cooperate to build P2P investment and financing platform.

So, brokers, "grafting" Internet finance platform can generate what business opportunities?

Secretary of the preparatory group for the Shenzhen Internet Finance Association, the former securities brokerage department Zeng Guang believes that for the initial stage of the Internet financial platform, the alliance with the brokerage can be brand, business, human resources and government relations, etc. are active influences.

Zeng Guang said the most direct impact is to enhance the brand effect, the traditional financial institutions to do hidden credit endorsement, Internet finance platform has played a certain role in the letter, in the business, the broker has a full license, and the Internet The financial platform can be a great deal of business space.

"For example, the two sides can each other marketing channels." Zeng Guang believes that P2P investors have a higher risk appetite, broker products are generally higher risk than bank financing, the two groups of investors have a certain degree of overlap, Brokers can sell their products with P2P platforms and vice versa.

In the asset securitization business, Zeng Guang said that in the past securitized assets mainly came from banks and trust companies, but in the future they could come from P2P assets. "Packaged assets through the brokerage's counter market or distribution channels, through the sale of products such as asset management plans to go out.P2P asset returns higher, but also by the brokerage favored."

In addition, he believes that including "platform guard" funds (that is, idle funds that are not put in the account in time) that investors can provide on the platform can also be used as financial management for brokers. Although this part of the fund is not large in scale at present, P2P business as a whole has grown rapidly and there will be some market space in the future.

For Zengguang, for the "young" internet finance platform, the whole set of investment research system, talent pool and customer bases behind the brokerage are very valuable resources. If they form a closer and tacit agreement Cooperation, both sides will benefit a lot.

Various capital "get together" influx

According to the incomplete statistics of the "First Financial Daily", since May 2010, Credit Suisse first won the investment in Kaypeng Huaying, at least 11 P2P lending platforms and 3 Internet financial service platforms have been invested in China. The Internet finance platform, which is now in close contact with every capital, is even more rare.

In addition, it is noteworthy that this year, the "national team" and traditional financial institutions frequently appear in the influx of funds on the Internet financial platform, including CITIC Industrial Fund, Shaanxi Jinkong, Minsheng Electric Co., Ltd. and Baoshang Bank Are beginning to layout Internet financial platform.

An Internet financial platform leader believes that the reason why there is more and more "big" capital to enter, on the one hand, since this year, including Internet, including P2P financial regulation increasingly clear idea of ​​the last two years controversial P2P lending model The compliance has also been gradually recognized.

"On the other hand, although Internet finance has just started its development, its prospects are good and its market is huge, and everybody wants to get involved. And it is still relatively easy to invest or set up an Internet financial platform without license restrictions and costs High. "The official said.

Apart from the increasing diversification of capital involved in the Internet financial platform, the depth and breadth of bilateral cooperation have also been greatly expanded. Excellent Internet financial platform has bid farewell to the pure desire for capital, and then more consideration of space and prospects for the integration of resources of the two platforms.

Shanghai P2P lending platform vice president told reporters that over the past year, look for home investment institutions no fewer than 20, in addition to considering the valuation, the company is still most concerned about what other resources can be provided for the future development of how much space.

"In terms of P2P, it is now staking stage, too many places to spend money, single Internet promotion fee, at least one year to invest 10 million ~ 20 million. Although the funds are important, but in the long term Look, we need to establish their own 'moat' to form a differentiated competitive advantage, so choose a strategic partner is crucial. "The P2P platform leader said.

In Wu Xiangyong's opinion, many current Internet financial platforms do not have too high barriers and their boundaries become more and more vague. Including customer service, financial products and investment and financing services all converge. The important thing is how to do well and cooperation Better integration of institutions.

As a wholly-owned subsidiary of GF Securities, GF Sindh announced investment in which network has made it clear that, in addition to financial support, GF said it would vote from the strategic network which network support, including investment network for the introduction of talent and government Support the establishment of relations and share with them the resources of investment consulting business.

Xu Zewei also told reporters that taking financial 91 as an example. Although it cooperated with financial institutions from the very beginning, there has also been an evolutionary process in the past two years. From the early marketing channel business to the mid-term Internet financial product business, and now with Financial institutions in-depth integration and innovation of financial services business.

In addition to the form of direct investment, many traditional financial institutions also "hold hands" with Internet financial platforms in the form of business cooperation and both sides have also developed quite a few new financial products. For example, there have been frequent announcements of cooperation between public funds and P2P lending platforms recently.

In February this year, Lu Jin and Ping An Dahua Fund launched the "Lu Campbell" to provide the balance of financial services. In April, the remittance of third-party fund custody services for P2P lending platform was also launched in the world. The balance of Baosteel products for P2P "fund-raising funds" was launched. Cathay cash management currency A of Cathay Capital Fund was docked.

The pace of cross-border cooperation is clearly accelerating. Only three Internet finance platforms announced last month that they will cooperate with public funds.

On June 19, Xin Rong Wealth and People's Livelihood plus Bank announced that both parties will launch the balance-like products - Xin Rong Bao. Later, GF Fund also announced cooperation with PPmoney, a P2P lending platform in Guangzhou, to launch the cash cow "; And by the end of June, Yixin Puze and Boshi Fund also announced that it will be" full Yingbao. "