"Elephants" in the internet finance, people enjoy the benefits of financial benefits

By the balance of the treasure flap wings brought by the butterfly effect, is blowing another round of the Internet financial whirlwind.

March 23, ICBC officially issued the Internet financial brand "E-ICBC" and a number of major products, announced that China's largest commercial banks to accelerate the implementation of the Internet financial strategy; the same day, Citic Industrial fund investment in the Internet financial platform "Teng NIU Net" also officially unveiled, To become the CITIC Department of the layout of the internet finance Step chess. In the Internet financial start-up enterprises, the traditional commercial banks began to start the Internet financial strategy, internet finance to meet the change.

"Elephants" in internet finance

"Perhaps in the eyes of some people, banks have been labelled as traditional industries, but in practice banks have always been the most active areas of innovation." For ICBC, the real challenge is not from Cross-border competitors, but whether we can better adapt to the financial environment of the Internet era and changes in customer demand, innovative and enterprising attitude to embrace the new trend of technological change. "At the March 23 press conference, ICBC chairman Jiang Jianqing said.

Subsequently, the President of ICBC will be full of the release of the "E-ICBC" Internet financial brand. According to the introduction, "E-ICBC" mainly includes "E-buy" Electronic business platform, "e-Joint" instant messaging platform and "Rong E line" direct banking platform three platforms, payment, financing and investment in a series of internet financial products, as well as "Payment + Financing" "Online + Offline" and "Channel + real-time" and other scenarios. Popular understanding is that the future consumers will be in ICBC online, mobile terminals to achieve the purchase of a house, car, investment, loans, payment and so on.

Also on 23rd, Citic Teng NIU network held online release activities to celebrate its official online 100 days and achieve rapid growth in business. Teng NIU Network is the investment of CITIC industry funds to build the Internet financial platform, is the CITIC Department of the distribution of Internet finance important measures.

In fact, in the face of the impact of internet finance, "elephants" have already taken the initiative to break through. CCB launched the electric business platform "good and business", and strive to provide customers with personalized innovation network financial services, Agricultural Bank of China to create a "three rural" vertical E-commerce and information services platform; the Chinese bank in Shanghai launched the first network of financial products O2O experience shop.

On the insurance side, MA, chairman of China's Ping An (601318, shares), said in a new year speech "four kinds of assets, two cloud, one door" the Internet financial Strategy system, around the "medical, food, shelter, line, play" and other needs to build the Internet financial platform, Tai Bao Group is also actively apply for third-party payment licences.

People enjoy the benefits of universal finance

"Internet +" recently hot, and in the back of the plus, the most connected is the financial. Panda Fireworks (600599, share bar) March 23 Evening Notice, to be renamed as "Panda Gold Control", to the Internet financial sector as the focus of future development direction, to invest 400 million yuan to set up the panda financial information, Panda public, panda small loans, the establishment of the Internet financial Ecological circle. East Easy Day Sheng, Ufida network (600588, shares bar) and many other listed companies also put forward their own Internet financial plan.

Traditional financial predators and listed companies have set foot in, let Internet finance again welcome spring. At present, fund raising, financial management, payment, network currency, financial information services and many other links have arisen. Among them, the fund raises the pattern to include the stock raising, the Peer-to-peer loan, the electricity merchant small loan and so on, the financial management includes the Internet company and the broker to issue the product, the Fund which cooperates with the foundation and the bank launches each kind of wealth management product and so on; These convenient internet financial services also allow people to enjoy the benefits of universal financial benefits.

In Beijing Zhongguancun (000931, shares bar) to work white-collar Ms. Li is very much enjoy the convenience of internet finance, "no longer have to worry about forgetting the impact of the repayment of credit records." She told reporters that before her credit card repayment are run the bank, the painstaking effort, later adopted the Lakara, but sometimes forget repayment. Recently, Lakara Online 6.1 version of the app added an appointment to repay the function, so she can advance the money into the Lakara personal account, set a good repayment date and the amount of automatic repayment, "and deposit in advance can also enjoy the" money point "bring financial benefits."

It is understood that Lakara new version of the app also has Koala Credit division sharing function. At this point, Lakara has completed in the convenience of finance, financial management, credit and other Internet financial products covering the entire.

Ma Yi, a senior analyst at Analysys think-tank, believes that Lakara's approach to facilitating financial services and balance banking is very much in line with the needs of the current Internet finance.

Wind control test intensifies industry shuffle

Internet finance brings people more benefits, but also brings the risk of financial management. According to incomplete statistics, in January and February of this year, there were 69 and 58 Internet financial platforms with problems.

On the eve of ICBC's announcement of Internet financial brands, the focus of internet finance is also focused on the crisis and the transition pressure of the P2N model platform such as the Lu Jin and the bad news of the online crisis management.

Shusong, deputy director of the Financial Institute of the Development Research Center of the State Council, said that although Internet finance in the initial stage more emphasis on the expansion of the Internet capacity, but in the industry adjustment period, the importance of the financial standard increased. Shusong that the ability to control risk is one of the core elements of the financial standard, when large financial institutions began to enter, the platform began to care about risk rather than earnings, the test of financial risk management capacity of the shuffle began.

This is ICBC's foray into the Internet financial confidence. The essence of Internet finance is "finance", he said. With its advanced IT infrastructure and its 15-year electronic banking service operation system, ICBC has a huge customer base, a wide range of business scope, a wealth of risk management experience and a strong capital and capital strength, all of which are the great advantages of developing internet finance.

The Peer-to-peer platform is clearly aware of this. March 25, good credit network holding hands the United States FICO Company launched a "Good loan cloud wind control" platform for domestic small and medium-sized credit institutions to provide low threshold, intelligent, online wind control services.

Regulation helps to push the development of internet finance

Industry insiders point out that, in addition to wind control, internet finance is facing another bottleneck is regulation. Due to the lack of the same strict control of licensed financial institutions, Peer-to-peer company bad debts, running cases have occurred, the formation of negative effects on the Internet financial development overshadowed.

In this connection, the central bank governor Zhou Xiaochuan in the "two sessions" to the reporter asked, made clear that Internet finance in addition to Peer-to-peer network loans, there are internet payment services, public financing and marketing products. The general idea of the central bank is to encourage innovative development, classification of appropriate regulation, different patterns of regulation and regulation of the intensity of the difference. Zhou said that the people's bank is taking the lead in the development of the Internet financial health advice, "a three-way" internet financial regulation should be introduced soon.

National Gold Securities (600109, shares bar) analyst Shuai that the gradual improvement of regulation will promote the healthy growth of internet finance, the Peer-to-peer industry is expected to maintain more than 100% of the annual growth rate.