Can financial industry create new gold mine in Internet

December 11, I was invited to participate in the Sohu Blog training camp, and with many netizens and the event of this period of the guests Fast Money founder Mr. Guoguang on the current payment industry development and in-depth exchanges.

As we all know, in recent years, the rapid development of online shopping has completely changed the way people consume, in the context of financial crisis, the network to its fast, convenient, cheap and other advantages of the vast number of users more popular, which also highlights a huge internet payment industry, that is, Third-party payment platform. In the early stages of development, the third party paid the concept of Internet it, but now it has played the role of a financial enterprise.

Credit cards, for example, have developed very quickly in China, but the electronic credit card process has lagged behind, with most of the credit card repayments still being repaid by counter or ATM, and a fee will be charged if the bank uses other methods (such as debit cards, net banking) for repayment. ; The leading third party pays the fast money to launch the credit card to repay the repayment service as early as 07, in 08 introduced the credit card installment service and the credit card payment service without card. So far, the fast money perfected the innovation service in the field of credit card payment, formed a complete payment chain from payment to repayment one stop service.

For ordinary consumers, third party payments have gone deep into every aspect of their lives. From the mobile phone recharge, water, electricity, coal, taxes and other public operating expenses paid to the network shopping payment, Trans-bank transfer, online payment of insurance bills, mortgage ... Third-party payments have become the most commonly used trading tool in the life of the general public. Therefore, the author believes that for users of multi-directional demand can not fully meet the bank, with the third party to pay high-quality channels and services, and its cooperation to develop a richer variety of products, in speeding up the bank itself in the process of electronic, but also a multiplier choice.

Similarly in the payment and logistics and logistics, the third party to pay the fast money also has its own perfect solution. At present, domestic E-commerce in the third party logistics as the main mode of delivery, the main payment mode of payment for the current situation, the logistics company has become the enterprise and the buyer of the cashier, and the resulting account period too long and so on, seriously restricting the efficiency of e-commerce enterprise funds transfer. Through the fast-money t+0 Logistics solution can realize real-time settlement, significantly reduce the time of e-commerce enterprises, effectively help them establish a good electronic payment operation mode, greatly improve the efficiency of capital, for the rapid economic development of enterprises.

As Guoguang CEO said in his communication, any transaction in E-commerce involves information flow, capital flow and logistics. In the current information flow has been built more perfect situation, through the realization of logistics and capital flow of efficient integration to better promote the healthy and rapid development of E-commerce enterprises. Third-party payment vendors and logistics companies good collaborative integration can enable E-commerce enterprises to quickly withdraw funds, so as to quickly seize the market opportunities, to achieve business expansion, at the same time, it can more effectively expand E-commerce enterprises in the industrial chain of discourse power, optimize its operating structure.

Similarly, for the entire third-party payment industry, if you can not provide users with convenient, efficient, fast payment and liquidation programs, it must not be recognized, and those who can be in the industry leading position, those who can be tailored to the average user to pay for the intimate life, to enhance the efficiency of the enterprise users to introduce solutions to the enterprise. Therefore, the third party payment should use its advantages in the Internet and the financial industry, on the basis of banks, standing on the shoulders of banks to provide value-added incremental services for the vast number of users, so as to promote the whole payment industry fast and good development.

However, the most important thing for me to agree with is that Mr Guoguang, in the end, said that "the Internet has created media and instant Messaging" success, the most likely to achieve the greatest success in the future is the financial industry's comments. After all, money is an indispensable product of human trading patterns, and the current financial system is far from satisfying the needs of the public. And now the third party payment system, it can make up for its many short version, and gradually into the transformation of our daily life, more convenient for our daily life.

Therefore, from the perspective of the traditional financial industry will become the "media and instant communications" after the internet industry, the new gold mine.

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