Four new models of internet financial management worthy of attention

The traditional Internet financial management is a broad concept, internet banking consulting, stock trading, asset trading can be grouped into this field. With Peer-to-peer network loans, online fund sales (such as balance treasure) The rise of the concept of the scope of change, the network loan platform and fund platform have to "finance" as the main propaganda concept, the formation of the current Internet finance an important position. Peer-to-peer Network Loan Financial model is well-known, such as the "pleasant loan" direct bidding model, everyone loans "preferred plan" entrusted to the bidding model. In the aspect of fund security, there are ordinary unsecured mode, the online guarantee mode of Lu Jin, and the online guarantee mode of the favorable net. Fund financial balance Treasure mode is familiar, do not need to repeat. In addition to these common financial models, some new Peer-to-peer network loans and fund management models have gradually entered into people's vision, causing the risk/industry investment community attention, a number of companies have even received a large number of investment. To the trend of investment industry as a clue, we investigated several recent access to investment in internet banking companies, summed up four categories of cases to share with you. P2C model Strictly speaking P2C This is not a new financial model, but Peer-to-peer network lending a new direction. Unlike the common Peer-to-peer network loan, the P2C model matches the lending of individuals and businesses (c in P2C can be understood as companies or businesses). The model is the enterprise issue financing project, the borrower directly bids for the project. The financing of the project is large, often to millions of yuan, the financing time is shorter, generally for a few months, the longest is not more than one year; The P2C model is closer to the public--the funds are raised by many people, and it is of great value to solve the short-term and badly needed loans of SMEs. On behalf of the platform there is love investment and building blocks box, the former on the project funds use of a more specific limit, earmarked for special; the latter is relatively broad, allowing enterprises to freely control funds, but the amount of funds is relatively small. P2C-mode loans typically require corporate asset collateral and are guaranteed by the company. O2O closed-loop mode the operator of the model is generally an offline asset production organization. Taking small loan companies as an example, in the process of providing offline loans, they found that online mode can obtain better sources of funds and development space, so began to migrate to the online financial platform, the focus is to compete for a good internet use habits and have a certain investment ability of young white-collar workers. With the O2O of the beneficial network different from the wiring line, such platforms rely on affiliated enterprises to achieve the "production and production" of assets, do not worry about asset search and asset quality issues, more emphasis on financial management experience and wealth management culture, the formation of asset manufacturing and financial services "closed loop." One of the representatives was the first to run at the end of August this year. Certificate Big is a big group of Shanghai to invest in an online finance company, its offline asset production (small micro-claims) mainly based on the Shanghai Certificate Group's small micro-finance business. The latter in the development of small micro-finance concept, business implementation and risk control, such as a certain accumulation. In the future, the Shanghai certificate Big Group's small loan company, Peer-to-peer Company's wealth management business may be integrated to the card big upward, and even extended to include money funds, trusts, insurance, including a number of areas of financial management. Because of this, the card big up line less than January, its users only 42 people, the cumulative loan amount of 4.759 million yuan, but reportedly has been valued billion. O2O closed-loop mode is characterized by the financial platform directly from its own affiliated companies and even shareholders to obtain assets, the back-end burden is lighter, can concentrate on the development of financial products, set up for the General Peer-to-peer Network loan Platform services or price advantages. If the platform can accumulate a certain number of users, can also butt a number of companies or financial institutions business, forming a more complete financial services system. In the future, this model is likely to be used by more offline asset production companies. Mobile bookkeeping and financing mode The operator of this model is generally the accounting software development company. Through accounting software to understand the needs of users, to help users optimize spending, and then recommend appropriate financial planning and financial products, this is the accounting software company's natural ideas, as we in the "Internet financial Planning: The United States is worth learning four platform model" is mentioned in the Mint, is this model. Restricted by various conditions, domestic can not fully implement the Mint model. The money fund with good liquidity and stable income becomes the first choice for accounting software companies. The typical representative for digging money, digging money mainly to provide users with mobile platform based financial management services, through the digging of accounting, credit card butler, travel reimbursement and other applications accumulated more than 40 million customers, but also constitute the foundation of the user's Fund sales. July 2013, money-digging launched the fund function, the function relies on the Third-party fund sales agencies, several meters fund network, currently provides 5 funds for users to choose. In addition, it also offers online lottery tickets, auto insurance (cooperation with Ping An) function, the future will be the introduction of mobile phone recharge and utilities to pay for one-stop service. The main features of this model are the flow of accounting users and the willingness of the users to manage their financial affairs. In the June 2013, he gained tens of millions of yuan of angel investment, and recently, it has won the million dollar investment of IDG. The fragmentation of mobile fund financial model is a new trend of financial behavior, which includes the fragmentation of time and space, and the fragmentation of money, and the mobile finance model is the response to this trend. In the fund sales, more and more companies also through mobile clients to "fragmented" sales, Copper street is one example. Copper Street was founded in September 2012, its founder He Jun in Alibaba and Alipay before the work for eight years, so for the user experience and payment process more familiar. At present, Copper Street is the only product of the sale of money Fund of the Copper Street app. The biggest feature of the app is the streamlined process, which reduces the flow of an average user to 1 minutes from opening the app to completing the purchase of a financial product. Less than two months on line, it has more than 1 million yuan per day transaction volume. In August 2013, Copper Street won millions of dollars in venture capital. Short Comment Peer-to-peer network loan in 2013Rapid development, it is said that the national Peer-to-peer Network loan platform has reached thousands (one said 2000, are estimated), the annual transaction is expected to reach hundreds of billions of yuan. The huge increase in trading volume shows that the demand for capital in this industry is bound to increase, so the wealth management opportunities are rich. But it's worth noting that the rapid expansion of the industry often means increased risk. According to the third party data monitoring agency statistics, there are several Peer-to-peer network loans operating conditions are not good, there is the risk of closure, financial customers in the choice of Peer-to-peer network finance products need to be extra cautious. Online fund sales in the balance before the treasure has been widely existing but did not arouse the attention of young financial customers, the main reasons include the inconvenience of operation and lack of awareness. Balance Bao activated this market, but also cause entrepreneurs for the fund's wealth management services, but the balance treasure has congenital advantages, difficult to replicate, the fund's sales are still the channel for the King. Therefore, such as digging wealth and Copper Street have chosen mobile finance as a starting point, the aim is to provide differentiation advantages. It is regrettable that the single product type and homogeneity are the common drawbacks of such services. How to start the mobile financial products beyond the Money fund, to provide more comprehensive services to the financial customers, is a mobile banking pioneer and future entrepreneurs in front of a difficult problem. Wu Net not Huan original