Financial Information web site, but also to catch up with the fashionable internet finance? can have

Intermediary transaction SEO diagnosis Taobao guest Cloud host technology Hall

2013 as the first year of internet finance, the boundary between finance and Internet began to blur and the Cross-border action was endless. From the pure electric business of small loans, financial services to the popular national Peer-to-peer platform, as well as the industry's hot internet companies to apply for the banking boom, the financial internet-style play both for the consumer, financing the new darling of the market, but also become the wind investment gold chasing the object.

Recently, Dispatch announced the establishment of financial information based internet finance channel, and the development of its 7 major projects of the financial Services matrix, as the layout of Internet finance, one of the financial sites. And Sina Finance is also planning their own Internet financial business, to carry out information flow and fund product sales, logic and news coincide. Mainstream financial information sites, in fact, have to carry out the Internet financial business impulse, its logic is to use the browser and user base data analysis and online flow of the typical. So what about their Internet environment and how do they go back?

internal and external shocks, urgent transformation

The prevalence of financial information sites is the legacy of the portal era, the early days, professional information-type Web sites are mainly to provide financial products based on specific transactions derived from the information services.

And the news and finance, the earliest is from the securities market Staq system turned over. Staq is an over-the-counter market in which the OTC market uses the Internet to mimic the US Nasdaq system. From the specific product transactions to the positioning of financial media, financial information sites have received a dividend in the last period of growth, but also accumulated a large number of relatively loyal financial users. Sina Finance, net and so on also has the long-term financial information integration and the research experience, has the certain sticky customer group.

The so-called "Chengye Xiao", under the media transformation idea and the new social media impact, the traditional media, including the financial media is affected by the customer diversion and impact. From the meager, the popularity of micro-letters to the rise of media and public media, access to financial information channels diversified, the trend of precision began to appear. As the mainstream financial media, both have some professional, high-end financial loyal users, but also face the industry and external users impact. Therefore, the provision of diversified financial services become inevitable: not only the access to information, users want to gather information access, product trading and evaluation of a comprehensive information site, to achieve in a certain area of security, convenient financial closed-loop.

In the past, the profit point of the financial information website is the revenue of the portal traffic, and the exchange of the value of the internal information, such as the research report of the institution experts, the stock market analysis software, the financial securities and periodicals, the IT products that transmit the stock market information. Under the influence of Internet financial impact, can the information web site through the grafting platform of the user data, traffic and financial institutions of the specific products, to become a product sales media and docking platform, in the financial sector in this subdivision to achieve the financial transformation of the Internet?

Logically it can be tried.

Financial Information web site turn around

The platform model of Internet finance is one of the most popular Internet financial models, and the third party payment model of Peer-to-peer and electric dealer has formed three kinds of main forms of internet financial manifestation. The existing Internet financial docking platform, there is a completely independent platform, without any historical advantage of grafting (such as Rong 360), is tantamount to a self-made, but also to use their own existing business advantages, to develop targeted docking practice platform, such as Dispatch's financial customers, rest assured, and Sina will launch online banking and so on. In the latter category, the advantages are obvious, but the relative disadvantage is also very prominent.

Financial websites and bat and other Internet oligarchs compared to relatively small, but also lack of a stable, continuous, high activity of the account system. In the Internet financial era, the account of the world, with a stable, huge amount of account resources means that the future can be continuously realizable assets, the enterprise's core competitiveness of the enduring power. In this respect, the user stickiness of the financial website is relatively poor. In addition, financial information is not a direct product transaction process, without the precision of the electric dealer, High-frequency Capital transaction flow and commodity information flow, can not carry out the credit evaluation system based on their own users, can not carry out the credit of the electric business model. For these mainstream information sites, from the most appropriate, direct use of platform information and upstream financial products trading platform to start, is a rational choice.

At least in the following areas, news and other information sites to do financial services platform has some advantages:

First, the information site relative to the audience than the general site to high, fine, sharp, but also a certain amount of loyal customers, the transformation of this part of the customer to become platform products consumers should not be a problem. Of course, the premise is to provide safe, convenient payment and a good user experience, as well as focus on the protection of investors ' rights and interests.

Second, the information site has a large number of financial market trend information, as well as related forecasts, in the news reports, product promotion and related research occupies an absolute advantage, you can use the Big data analysis method of the site's information flow analysis, to provide financial institutions with product design recommendations, the introduction of products to meet market expectations

Third, to a certain extent, to build their own web site business closed-loop, the introduction of capital flows. It is not only the electric dealer can bind the fund flow, the information information can also bind the fund flow. such as in a depth of stock analysis article, directly provide relatively appropriate stock or fund products, and provide links to the backstage of the "financial customers" and other financial platforms, the article's investment proposals directly into the user's purchase needs, and accumulate funds to achieve the closed loop trading. This is the logic of embedding a shopping link in a micro-trust friend's circle and paying for it directly with a micro-letter payment.

Future positioning: Differentiated competition, data thinking

The advantage of financial institutions lies in credit and wind control, and the advantage of Internet enterprises (mainly electricity dealers) lies in the low cost and transparent information of integrated and bulk transactions. Financial website media can be said to be "two not like" media, neither the financial direct operation experience, nor the Internet operating mechanism. The initial position of its industrial chain is the downstream of the financial institution, the upstream of the product purchase, and the financial information website connected to the downstream.

As the service of financial information, the positioning should be differentiated competition, should not be the greatest, but should be in their own most suitable professional subdivision areas to carry out the attempt. The Financial information website can use the historical analysis data accumulated by the website, the customer reads the analysis data, the product research data, as well as to the latest financial trend judgment, assists the investor to carry on the more targeted investment. In short, the first platform and channel, after the product gradually enriched to form a professional subdivision of the customer closed loop.

Author Micro-signal: Samchenkai