Does the Internet impact or promote traditional finance?

At the end of the financial market is not calm, the IPO opening, new Sanbanxi Open Board, December 20 and exposed the central bank 200 billion reverse repurchase solution to the problem of money shortage, while the 7-day repo rate has continued to maintain a high, Thursday closed further up to 9.9%, again refreshed the contract since the June 20 money shortage since the highest

At the same time, fund companies at the end of the battle is also staged, with the help of Internet Sales fund impact rankings become a habitual approach. December 20, Baidu Hundred United Ka Real funds announced the launch of a high-profile "group buy Finance" products, played "Unity has 8%" slogan, and finally achieved more than 8.1% of the high income, set the day sales of 3 billion record.

So what is the relationship between the Internet and traditional finance? Impact or promotion?

The Internet, in cooperation with traditional financial companies, is using its own Internet portal to build a more transparent and broader sales platform for fund companies. Prior to the balance of treasure, Baidu Hundred earn and so on, and the recent Baidu launched the "group buy finance" products belong to the "public-paid finance" more need to use Internet channels to achieve.

Baidu sales of products for the 1-month KA Real financial bonds e will invest most of the assets in the Bank agreement deposits. and the minimum deposit amount of the agreement deposit is RMB 30 million, not only the one-time deposit, but only financial institutions to participate in the interbank market qualification.

If Kerry does not rely on Baidu hundred sales, relying on its own channels to raise more than 30 million yuan of funds is not so easy, but through Baidu hundred hair this Internet platform can quickly summon billions of ordinary netizens to participate in investment, reducing the threshold of personal finance. Previously, Baidu has created a 3-hour sales of 1 billion of the record, the 1-month wealth Management bond e December 23 on the scale of 3 billion sales.

For ordinary netizens, would not have been eligible to participate in bank agreements to enjoy high interest rates, but through the internet group buying finance, can make their own small money to obtain higher returns, and no messy signing of the agreement steps, there is no one not to trust the financial manager, a little mouse easy to buy.

So from this point of view, the relationship between the Internet and traditional financial companies is to promote rather than impact. But not all traditional financial companies are willing to work with the internet giants, because the cooperation will make the company's previous mode of operation changed greatly, sales model, money Management Commission model, personnel structure, etc. As Alibaba shares the small fund company Tianhong, began the "Balance treasure" focal.

So some fund companies began to build their own internet channels, a large number of fund sales sites have arisen, but also some fund companies refused to cooperate with the Internet giants. In fact, the face of new technologies and trends, in any case dodge and hinder, can not stop the pace of technological innovation. Huaxia Fund as the market leader, take the lead in cooperation with the major Internet platform, open mind, sit first. The fund also takes the form of cooperation with the Internet platform, from the fourth into the second, and joint Baidu hundred hair to engage in "group buying finance", is likely to sit two look one. Some fund companies that have chosen to work with small Internet-fund supermarkets have continued to slide.

Whether the internet is a shock or a promotion to traditional finance, the key is to look at the traditional financial company's bosom, as well as the determination of self change and conform to the trend. Dare to choose to cooperate with the Internet giants and what kind of internet giants? This determines the future trend of the traditional financial companies. The so-called surgery industry has specialized, the finance is a complex system engineering, must be operated by the specialized company, the Internet is only serves as the channel and the tool; Similarly, the Internet entrance control is also the core competitiveness, is not the traditional financial company's strength, the two sides strong together, each other, will achieve the win-