New "Big cake"? Ma See new opportunities for group buying

Since March 19, every day 10 o'clock in the morning, "Shanghai Lujiazui (600663, shares) international financial asset Trading Market" (hereinafter referred to as "Lu Jin") site will be crazy to rob an annual rate of 9.31% of the loan investment products, a few minutes will be a few products rob empty, Investors can only wait for the next day to launch new investment projects. Lu Jin, a wholly-owned subsidiary of China's Ping An (601318), has been successful in imitating Apple's thirst for marketing.

"We're going to have a lot of new attempts in the next two or three years, and we don't guarantee that everyone will succeed, the exchange is our first attempt." Gu Min, deputy general manager of the innovation business, said in an interview with the reporter that Lu Jin has become part of an important strategy for ping an group. As a result, peace based on the banking, insurance, investment in the three traditional business of comprehensive financial deepening of the cross sales, and towards the pioneering new business journey, Ping An chairman Ma to Lu Jin to the country's largest online financial supermarket to achieve new profit growth.

The market is more controversial, one side thinks that the Internet financial supermarket for the future trend, peace with other financial enterprises can not compare the comprehensive financial advantages, while the other side that the financial supermarket is difficult to do, Third-party financial products Sales Trust crisis, at present, product sales more difficult to achieve large-scale.

Lu Jin to sell microcredit

"Just opened, the product is relatively few, the investor is very many, very enthusiastic, the investment enthusiasm is high!" "The service staff working at Lu Jin described this to reporters.

"Huaxia times" reporter login to its website found that the Lu Jin is a "steady surplus-an e loan" of the amount of 30,000-40,000 yuan of small loan products, investment period of 36 months, the annual return rate of 9.31%. According to Ping ' an Lu Jin, it has already locked the risk through the guarantee company. Lu Jin only platform business, while the borrower, the other side linked investors, to complete the pinch and transaction, of course, the backstage set up a wind control system. As the first issue of the product, Lu Jin is exempt from service fees. After becoming a member of the Lu Jin, investors can recharge, and then arbitrarily invest in its future financial products, similar to the use of Alipay Taobao payment method.

Ping An management staff revealed that the goal is to build the land exchange to become the country's largest financial assets trading platform. In Gu Min's view, before the peace was based on the use of technology in the original business, making it more efficient, "in the last two or three years, we have been concerned that the changes in technology have a great impact on consumer behavior, perhaps it is time to promote some new business, not to support the original business model of the use of technology, It is a new business model based on the application of science and technology. "The Hong Kong Man with the glasses, the blue shirt with the red tie and the iphone on hand, is speaking with a restrained gesture but not a lively mind."

The reporter was also informed that the Western Xishuangbanna financial Assets Commodity Exchange (hereinafter referred to as "the Western Exchange") by Ping An, another exchange, had accepted the local government's door-to-door inspection as required and had reported the materials as required. Unlike Lu Jin, the Western exchange it opened last September, trading in commodities such as silver and commodities, as the State Council issued a decision late last year to clean up and overhaul the financial risks of all types of trading venues, according to the business scope of the western Exchange is included, "At present there is no negative things." Gu Min explained that the Western Exchange view was only a routine review. At present, the Western Exchange has only launched a silver-related investment products.

New "Big cake"?

Unlike in previous years, Gu Min appeared in Ping An 2011 annual performance conference, as the company's vice-president and Ma adjacent to sit and become one of the heavyweight figures of peace. More than a year ago, Gu Min only as the assistant general manager of Ping An and Shenzhen Ping An channel development advisory Services Limited Chairman of the post. For more than a year, the two exchanges were added to Gu Min's business.

Ma or once again saw the huge market opportunities brought about by innovation. 1998 MA proposed a new model of "Integrated financial services Group", in the past two years gradually completed on the deep development (000001, shares) of the holding, 2000 years of peace take the lead on the backstage focus, this project is 10 years, so that the safety of the production of insurance, life insurance on the scale of sustained rapid growth, At the same time, the synergy effect of cross-selling results. Now, MA will be looking to the performance of the explosion-type of the electrical business services.

But the head of the retail business of a mid-sized bank believes that the new product Lu Jin, though highly profitable, is difficult to scale and unsustainable, and can only be seen as a publicity campaign for the platform at the time of its opening. Can the "ambition" of the peaceful Internet financial Kingdom be realized?

"Can't do It!" Third-party finance is hard to do in China, and Noah's wealth is already well done. Would you believe that neither an insurance company nor a bank sells products? At least it's hard to develop at the moment. "The person in charge thinks the dream of peace is somewhat misty. What it says is Noah's wealth, a network of financial products vendors, with a net profit of $24 million in 2011 and a composite growth rate of 118% over the past 5 years.

However, the exchange for peace and the whole of China is still a new thing, how the risk can be controlled as a comprehensive financial network platform giants, peace is facing many challenges and difficulties.