Electric business industry pay attention to the flow, attention to eyeball, we give them a time

Wu Zhigang: Electric business industry pay attention to the flow, attention to eyeball, we give them a time, everyone to do a self-introduction.

Huang: I'm Huang, co-founder of the Catwalk network, catwalk network is focused on the fashion of the company, in the industry has been done for more than 5 years, we are mainly international brands, on international brands and domestic brand differences and orientation, we merged with international brands, China's new generation of consumers must be from Gaofu, white rich collage items, Towards a more quality brand.

Huang Shenli: I am huaxing capital, we do boutique business, we are involved in the field of electrical business customers. We have done payment company, logistics company in the downstream of the electric dealer.

Guo Aerospace: I am a dot net, I do is peer-to-peer Internet lending, the recent Internet financial speculation compared to the fire, I briefly introduce a peer-to-peer, the realization of a stranger can be directly between the loan, we were Chinese people are based on the society, why strangers can borrow, have a good credit rating analysis That will give borrowers a good rating of their repayment intentions, let the investor is very relieved to lend him money, if through the point of Network information rating, you are very clear he is not capable, have the will to return your money, Peer-to-peer can help you want to help people, traditional finance is 80% of money to lend cock Silk, Peer-to-peer let the banks play down his role in this, no longer put our meager money in the bank to make very low interest, directly to the need to lend money to help people, Internet finance is not just a financial plus the Internet, he is the idea of the Internet, with an equal, open idea, The direct completion no longer through intermediary agencies let the banks sit there as a super pawn to make a low profit, our peer-to-peer industry currently has a lot of voices, we are determined to do the industry the most standard Peer-to-peer, we also introduced the largest U.S. company technology and team, we mainly based on the United States, the largest network of companies through the network to enter the Chinese company.

Yanping: DCCI.

Wu Zhigang: Today's topic is a new business driver, and we all talk about what is the old driver and what is the new driver you understand.

Huang: I think from 07, 08 Independent electric business began to now 5 years, we think that on the PC side, the entire evolution of the internet is basically mature, the mobile internet era is really coming, just like Taobao on the Chinese electric business industry, I think the micro-letter appeared is to let China Mobile internet era arrives. I met lei a few days ago, red Rice mobile phone sold to 799 dollars very good, with very cheap high-quality millet mobile phone, plus micro-letter, is equal to a software, hardware a port. As users move quickly to the mobile Internet, we see a lot of companies moving more mobile internet than they started and explosive growth. Mobile internet is the biggest theme, the electrical business is actually an application, we attach great importance to the expansion of the mobile internet, micro-letter on our very hard, we have to mobile Internet mobile characteristics to do a lot of things, think this thing is very rewarding, the future space is very big.

Huang Shenli: My dad told me about a telephone that equals three salesmen, there was a telephone in that era to solve a lot of problems, we have now used mobile Internet, a large number of users using the mobile Internet, his efficiency has put your usual call to solve the problem, quickly realized, this drive has been very obvious. Before the Internet advertising is very difficult to pinpoint the location, I have a point in three Li Tun, three of people send text messages into the store, now through the map, the road advertising will be seen, someone to. This kind of delivery does not need me to raise a brand in the street to send ads, do not need to hate the phone dial over, is the user initiative to get your ads, now through the new technology to let everyone accept. This is the change around us, behind the drive is what, is not Comrade Ma's rookie plan, is not the follow-up of things, we will wait and see.

Guo Aerospace: I feel that the new driver is not in the new word, is driven, many of our realistic needs, itself has not been satisfied, not necessarily to find new needs. Taking small micro-loans as an example, everyone here is not necessarily lending to banks. We have to see the premise of demand, we need to make a change, peer-to-peer means that when there is a 100,000, 200,000, 300,000 borrowing demand, the bank is unwilling to lend you how to do, many of our internet users have thousands of tens of thousands of of the spare money, we can to 200, 500 of the way together to lend to need 300,000 of the electric business, even if the breakfast stall. He can use his profit to fight, let cock silk to help cock silk, this is a mode of drive. Like the advent of mobile Internet, it is easy to make loan applications on traditional PCs in the future and transplant this experience to our mobile phone. If you are on Taobao on a mobile phone to see a cargo, a 10,000-dollar LCD TV, there is not so much money on the account, you can submit your data to a third party through 5 to 6 clicks, through your behavior data, through your performance on micro-blog, I will evaluate your credit, and judge if I can lend you the money, When you get home for half an hour, the money is on your account, which is the new demand from the new model. If we electric business, many times into the white-hot, I in the white-hot competition to find their own blue ocean words may also need to find the needs around.

Wu Zhigang: What do you think is the old drive and what is the new driver?

Guo Aerospace: Old Drive, Bank for example, the old drive is lying inside to make money, stimulating financial institutions to improve their strength.

Yanping: The old drive is to feel good, think that the effective thing is the old drive, the new drive is our own heart compared to drum, a little confused, efforts to enough. Or others do good, they do not understand what is going on, and even refused. I do not agree with this point of view. In front of the interaction, Wu General's view is very very unfavorable, in the absence of E-commerce before all the business is in progress. The nature of e-commerce or business, a company can do so can be another enterprise efficiency 10 times times, the cost is a business one-tenth. Thin sharp fast, new drive four, the first is the drive of the consciousness, the second is the marketing drive, the third is the technology, the fourth is the data, the drive of the consciousness this needless to say, the head decides the buttocks, not the buttocks decides the head, the marketing drive we return to the fundamentals, we follow this field each aspect also is communicating very I see some of our big e-commerce companies, big traditional class enterprises, we really have a lot of marketing in the towel can be screwed, we are still the more humble the better. The third is technology and data, this is the characteristics of the Internet, is an e-commerce part of a fundamental thing, this part of the tools we have mastered so far, the use of the method we have understood the law, but this is just a small part of the inside, the tip of the iceberg, can do a lot of things behind, Like sending the annual meeting like this, to provide you with a very inspirational, mutual confidence and courage of the field, but also nutrition, dry goods, we explore the field, the entire exploration road to go farther, the deeper the better.

Wu Zhigang: Just Huang always mentioned the micro-letter, we four ordinary use PC, tablet and mobile phone is what kind of distribution.

Huang: Last year 80% on the PC, 20% on the phone, this year's upside down, 80% on the phone, 20% on the PC.

Huang Shenli: This year 90% on the phone, the PC is basically a prop, go out with one.

Guo Aerospace: I almost 55 open, mobile phone accounted for 50,60%,pc accounted for 40%, because I was a lawyer, I do business expansion, but also the text of the audit.

Yanping: E-commerce shopping scene, the next single terminal, transaction payment point, will be more and more on the mobile phone, mobile environment, which is also to see the big E-commerce platform, some new layout. The social network, E-commerce, Data System 5 points to form an open closed-loop environment, at least to assume a traffic distribution, user distribution decisions, that is the entrance to E-commerce, which I think there is nothing to discuss.

Wu Zhigang: Our Hu is always an expert on mobile internet, mobile internet this piece we put to the back to say, we first please Huang, heard that walking show in micro-letter to do some attempts, do not know what is now the amount of data, you can disclose the circumstances, judge the future in the micro-letter on what scale?

Huang: To the electric business to say your front paragraph is facing the consumer, from last year the micro-letter here the crowd traffic and the crowd's stickiness is very big, we certainly will do the micro-letter aspect marketing. For example, we are very positive to join the Baidu app, we believe that Baidu will support his light applications, more than just Android's App,ios app, the two systems you'll find as an electrical dealer you are very expensive to develop, not like a game to cover tens of thousands of people, the electrical business is relatively small, only in iOS and Android is not enough , we have to open up different channels. We feel that in the micro-credit consumers do not form a closed loop of full payment, or to the website to buy, our dedicated website to optimize the micro-letter is very convenient, we also calculate to do well, I think this piece has been too much exploration, just a friend investment Emperor auspicious angel investors, as long as the input of a person can. The micro-letter has surpassed the iOS system, or as it continues to look inside the foreground.

Wu Zhigang: Have you done a version before?

Huang: We did one in 2, 3 years ago, and we found that he was not very efficient, this year will be an inflection point, because I in this industry in fact the electrical business has done for 5 years, investment for more than 10 years, I think the next 3 years may be if your electric company in the mobile will not occupy a decent share, now is not any significance, Whether it's large, small, medium sized, small electric dealer.

Wu Zhigang: I'd like to ask Guo, how many of you have a micro-letter group?

Guo Aerospace: 20.

Wu Zhigang: Are you trying?

Guo Aerospace: try.

Wu Zhigang: As NetEase and telecoms giants, what is the difference between the letter and the micro-letter? Where is the trend?

Guo Aerospace: There is an easy to believe bad experience, I rise to 5.0, can not be renewed, a deposit of 6 dollars to buy new, his original free spirit, in the absence of competition will certainly lose, easy letter is not perfect case I will download support it, no matter today's letter, must have a letter out to make him feel pressure, I to the letter no matter how his original commitment did not do enough, voice, mailbox, cell phone number text Realize that he is right now to launch. When you perfect out of the time may be over, the introduction to slowly change, I urge you to give him a little confidence, let micro-letter a little pressure.

Wu Zhigang: You are doing investment, cast a lot of electricity business enterprise, can say to see a lot of successful enterprise, also see the failure of the enterprise, success they used to have a very interesting analogy, 3 people on the elevator, there is a person interviewed them, there is a person I was squatting, some people say is jumping up, they are sitting in the elevator up, Success is to reach a certain point, what he really did was make him successful and not necessarily know that the failure of the experience more to give us some inspiration, I would like to listen to your investment in the electric business enterprise, you can sum up what are we here in the electric business enterprises should not do, should not touch?

Huang Shenli: We do not directly cast projects, rarely cast projects, you just said about what the enterprise can not do, electricity business enterprise Core Two things can not do, a margin too low can not do, the second thing which has flow can not go, there is no need to give their own momentum. I think at that time we have a logic out of the Amoy, leaving Taobao, now to see or Taobao the most perfect, where there is traffic to where, micro-letter flow is large, his conversion rate is low, how to pay success rate low how to do, depends on how you choose, Baidu is also a good flow.

Wu Zhigang: We listen to Hu, I know you in the mobile internet this piece has very deep research, if say three years after not moving end, possibly on the side of PC side success is meaningless, I want to hear in the mobile end give everybody have what good suggestion?

Yanping: In the mobile end of the brand's own independent app to become the power of the portal is very likely, mobile end is more parasitic on other people's brand, other people's platform to help you to complete the marketing process. The third combination of the simple question of what we all do together to create a new drive, the promotion of E-commerce platforms and the opening up of savings, is the only reason why easy faith becomes a market variable. What is the reason behind it? Is that everyone wants to be open to the closed loop, do not want to make their own platform for others to use. Why do some good brands finally have a amoy situation, completely parasitic in the Taobao system you can not complete the fine operation of the process, he is a marketing of the existence, if you want to use all the data, the system to operate this stage of the problem, there are still some problems, in the process of knowing who he is, Is such a process. All people do one thing, we can join forces to ask, even to persecute our parasitic platform open, more resources to us, more data to us, more work support, this is the next phase of electronic development more important aspect.

We used to do a lot of waiter rights, there is no dimension to the place, the real need to maintain a real fine operation, to the big platform to play, to make them more open, this is the driving force is an important aspect. What was our reference last year? The mainstream of E-commerce development is fine operation, with the sending generation is an inherent tacit understanding, this year's reference is the light electricity business changes the marketing, the efficiency, the effect, the benefit, the light meaning is not because moves is young, the light does not say that does the single product you to be light, important you can form a light and fast operation system, regardless of your rear end is heavy, Particularly light is achieved largely by technology. Fine operation is to realize a very important foundation of light, followed by marketing, we in addition to say the pursuit, this year to talk about the entire electric business of a market mainstream, in our opinion, is to return to the fundamentals, really solve their own problems.

What is the fundamentals? To marketing to be effective, to the efficiency of the operation, to the market to benefit, to solve these problems, to resolve these issues, we must go to embrace something new, I participate in a wide range of internal communication, a furniture brand impressed me very deeply, they use more than 30 people's team, Every day in the whole wide-point system within 100 times of resource transition and delivery, this is a complete dynamic, supply and demand choice. This is what we see, you have a full network, full user coverage ability, full data marketing network, this marketing network does not only produce more (English), not to say that your goods, brand to consumers. Finally get CPA, you earn a lot of the CPI is not this meaning, but that the marketing process multithreading so that users perceive you, the process of perceiving the user, each contact into a real unit of interaction. Everyone ask a question, when many users look for us, is not the vast majority of the situation they find, when we look for our users, is not all can let users find us, this problem how to solve, in addition to have a smart brain, business entrepreneurs, the boss, what else? Is the Internet in this direction to do farther, because this is a nuclear weapons, no matter you do brand, efficiency is the best. I think our electric business marketing, despite the Chinese marketing in the field of our most complete, go the best, the entire interactive marketing inside the largest, but far from enough, there are many new play, there are many more inefficient things.

Wu Zhigang: Internet Marketing This piece goes a long way, we see the morning old Xing talked about, they have a 16, 17 brothers engaged in a company, Ali small loans to them, Dangdang guoqing they each year, this year to compensate 600 million, Jing Dong to compensate 2.6 billion, this is the price war. Let's give a simple example Jingdong's billing period if is a year, 30 billion of sales, 30 billion Beijing East can use a year, we use finance to buy a trust scale to get 10% income no problem, he can lose 3 billion other places, these two have what relationship, we now know Ali in small loans, We also know that the construction Bank has done a good melt, small loan is a financial business, CCB is a financial institution, CCB is now doing a good job of electronic institutions, please Guo talk about, is Ali to do financial more competitive, or CCB to do good and harmonious more competitive?

Guo Aerospace: I think Ali do financial use of the past 10 years Taobao data accumulation, at the same time there is a pay closed loop, in essence not financial lending, is to deal with loans, pledged loans, he left Taobao such a platform, other companies to provide financial services, and other emerging internet companies are at a starting line, His advantages are hard to replicate and the disadvantages are obvious. Harmony is the traditional financial institutions, financial and electrical business is difficult to cut, all the electric dealers are financial products and services, a manifestation of good integration to do with his traditional financial thinking, he can provide some credit services for the platform, he did is the business is not the electricity business. I think they're not here, genetically speaking, his understanding of the electrical quotient, the understanding of the Internet, talent reserves, resources, words than Ali has a different, traditional finance in the existing system to do the electricity business I do not optimistic, Ali do finance a period of time to form a competitive advantage is difficult to replace. If you have a platform outside of Taobao, start from ABC.

Wu Zhigang: Huang We often talk about as internet companies he has his genes, financial institutions and the genes of the Internet company is completely different, I would like to listen to the general view of Huang, banks if not reform will be like the 21st century dinosaurs extinction, internet companies will subvert financial institutions?

Huang: I think in the long run, 10, 20 change is definitely the changes in the Internet from business-to-business, Central bank management, the whole big chain has changed, in the short or the Internet to promote the balance, financial institutions to emphasize financial risk management, he has a difference, needs a platform. Some time ago a lot of organizations to talk to me, walking show net higher end of the user, can sell funds, when the start after the said. The same is true of loans, many organizations to talk to us can do with financial credit what, it depends on the company's strategy, some of the future 2, 3 years may have financial services products, similar to Ali, for financial enterprises, their own reform issues, If their mechanisms and talents are able to target Internet consumers, they can certainly do well. Now the internet finance is very hot, like our electric business enterprises, recently more than 10 enterprises to find us to help them sell funds what, similar things, I said this thing first, I think from the next stage will have more discussion in this respect. I think the fall and winter Jingdong will be in the Internet finance and pay for this piece there. Our medium-scale electric dealers adopt some following or more differentiated approaches.

Huang Shenli: I have a friend who made a loan in 2007, patted a loan, in the past, the company has an old comrade to do the letter, in fact, from these things, there is a lot of risk, the first risk is particularly large, from the banking supervision point of view, with the bank of the people, we have a bank with the internet company, a single hand to play with him, The other hand, the CBRC tied me, the internet does not need to have. The second Internet financial core is the data, just now you said that the competition between Internet enterprises and banks, the core is the system of competition, from the user point of view, China's largest credit card issuing bank than Alibaba, Taobao, but the company's credit data can never compare to the bank. Also please the Internet to give us a guide to say, I said you do not have to ask us, this thing you clear, your credit data is your best core competencies, others do not.

Guo Aerospace: The difference in data is different, the traditional enterprise he relies on bank data, a lot of data is dead data, central bank system can not be reflected. Instead is the net loan enterprise, the small loan enterprise and so on has concentrated this information to become another big database, because we know more about the Silicon Valley, the more rapid application of large data, a borrower on Weibo where to eat, what kind of comments, do what blog post, can be a credit rating, these means the bank also understand , but the program is going to be transferred to the bank for a very long time, which is very obvious to internet finance companies.

Wu Zhigang: We are slow to do the internet, because of the time of the Conference, I would like to put a few of us here to sum up the new driving point of view.

Huang: Electric business enterprises or the main force of China's Internet, the new driver of a large data, a mobile Internet time full of opportunities, China's young consumers more and more purchasing power, accounted for more and more, good content training, the next 15,16 years very good application.

Huang Shenli: No data, no drive, the core of the first regardless of the big data, the core of their own home phenomenon first clear.

Guo Aerospace: suggest that you use financial thinking to do the Internet, do not wait for your cash flow problems, the idea of asking other banks to borrow money, other financial institutions to borrow money, when the interest is very high, you can try with a small loan company to try some money, have borrowed money.

Yanping: Our traditional financial industry, our system of financial industry has been greedy to a shameless degree, our internet financial industry has just begun to show that the field of Internet finance is now in a level of arrogance to ignorance, the equivalent of the traditional system of finance, the majority of our electrical business practitioners for the capital inside the electricity, The asset liquidity thing, the financial cognition and the utilization, most are in the unintentional degree. Suggest that we get out of the three-state as soon as possible, especially each of us to do our cakes, cut well, eat well, do not say just become someone else on the table cake, we can make a difference in the field of Internet finance.

Wu Zhigang: Thank you, four guests, this is the end of this link.

Moderator: Thank you four guests, thank Wu Zhigang, we have a 10-minute tea break.