How the Internet finance will look

2013, the Internet financial menacing, can be said to be overnight to the traditional bank of a stick. From the balance of the emergence of treasure, to all kinds of treasure, a variety of financial products are known, a number of Internet enterprises to make the financial field of the enclosure movement began. 8%, 10% of the annual rate of return has made us happy, but as the hurricane has become more and more fierce, people slowly began to worry about the risks of the undercurrent will be exposed. Next year's internet finance will show how the scene, let us guess together.

Guess one: Capital preservation Pausi will be stopped?

October, Baidu and Huaxia fund to launch a network of internet users of the plan, of which the annual yield of up to 8% guaranteed profit guaranteed income commitment to make everyone surprised, on the first day of the online sales of more than 1 billion yuan. December 25, NetEase also not to be outdone by the introduction of financial products, "add Gold Plan", in addition to the exchange of Cash Money fund as high as 6.42% of the annual rate of return, NetEase also from the pocket to give users 5% of the benefit of the red envelope subsidy, resulting in 500 million of the amount quickly was robbed.

This is similar to hit the money circle customers began to rise in the Internet enterprises, anyway, the money is not afraid of burning, first of all the customer source accounted for. Compared with the traditional financial, internet finance a little more "clever", the propaganda language of "0 risk, guaranteed income" and other content began and regulatory red Line played a ball, and even some have been suspected of cross-border violations.

According to the regulations on the management of securities investment funds sales, the fund sales organizations shall not take lottery, kickbacks or send in-kind, insurance and fund share, and so on the sale of funds, but the rich and deep Internet but with a rotten variety of subsidies to attract people's attention. In the event that the CBRC expressly prohibits the financial management products from undertaking the proceeds, the publicity of the Internet financial management products has not shown a hint of taboo.

At present, because the regulation layer does not have the explicit stipulation to the Internet organization to restrict, caused the Internet tyrants to evade a robbery. But this situation will not last long, with the arrival of the SFC's "comprehensive Regulatory era", the internet companies that yell too much will face the fate of being tightly checked in the coming year.

Guess two: There will be a crisis in the money fund?

In the current Internet financial operation mode, a variety of wealth management products are linked to the Monetary Fund, Low-risk, low threshold, liquidity is strong in the money fund this year following the Internet finance together. Take the balance treasure as an example, through with the Tianhong Monetary Fund cooperation, half a month to the top of the "best-selling Wealth management products" of the throne, by the middle of November, the balance treasure's fund-raising scale has broken 100 billion yuan. This has also made the originally obscure Tianhong fund, more than the last year, the number of users of the first 10 money funds combined.

It is noteworthy, however, that the fund is only a relatively low risk investment, but in no way means no risk. From the history of the Monetary Fund, the ROC Monetary Fund has suffered losses in 2005, and in 2006, the Bank of China-ABN AMRO Monetary Fund and the Monetary Fund have also had negative returns; from abroad, the 2008 financial crisis, the most leisurely in the history of the United States The money market fund's main reserve fund has fallen below $1 trillion. This shows that the money fund also has the possibility of losing money.

In 2012, the two fund companies due to overdue bills to account for failure to meet the regulatory level of risk, and individual fund managers set an early operation of the fund to trigger a temporary liquidity problem. In fact, with the rapid expansion of Monetary Fund absorption, the liquidity risk of the fund will be exposed if there is a centralized redemption of investors.

Especially in the rapid development of E-commerce today, some internet companies to the money fund and real-time payments linked, such as once encountered Taobao double 11 promotional activities, huge sums of money will likely be centralized redemption, then the net worth of funds below par is not impossible.

Guess three: A few big portal sites will have a exit?

In the Internet financial turmoil to go this year, the major portal sites are in accordance with the need to get a cup of soup, Alibaba balance treasure, Baidu Hundred, Sohu Rob Money Festival, NetEase Finance, Sina Payment, Tencent Micro-credit finance and so on have appeared in the public view. Portal use of the early user stickiness for the Internet financial business paving the way, not only to earn enough eyeballs, but also grabbed the silver, incidentally raised a bit of word-of-mouth, just user advantage This is enough to make the traditional financial industry envy to the explosion.

But under the financial impact of the whole network, whether to use the original portal to achieve the perfect docking of financial products, the completion of transformation is a big problem. The incandescent competition will eventually turn to differential development, not who is willing to spend a lot of money to hit the highest yield to circle users.

From all over the web, to Twitter, to the Twitter-like social-networking tools, it turns out that not all portals have been able to stand up to the overwhelming competition. Maybe next year, we will be able to see a major portal station silently tears out, because the internet finance is not you want to play, you can afford to play.

Guess four: Alipay and micro-letters will produce the most intense conflict?

Alipay and micro-letter, a landscape of unlimited creation of the Internet financial year, one has the largest number of users and loyalty. Many people are waiting to see if a balanced second horse will have the most intense fighting in 2014.

In the era of Third-party payments, Alipay has been tenpay as a competitor, but at that time Alipay far ahead, Tenpay did not constitute too great a threat. Then with the rise of micro-letter, 100,000 users a day to add speed and convenient small micro-payment function let Alipay stunned, although Alipay has 100 million users, but the open frequency is far less than the micro-letter payment.

In the era of mobile payments, in addition to the number of users in the competition, the two business layout is also more and more painting. The current Alipay and micro-letters are at a rattling stage, and the 2014 issue will become even more serious, with the two sides likely to have the most intense clashes.

Guess five: Internet finance will worsen the employment situation?

2013 can be called Internet finance year, with the rise of internet power, E-commerce has a hurricane-like development, which makes retail department stores, publishing media and other traditional industries have been the impact of subversion, and some industries even face the situation of exiting the stage of history. The rotted of the internet brings down the potential of the enterprises in the sunset industry to lose their grip, employees even face the threat of unemployment.

The situation will be more severe in 2014.

In the rapid development of Internet technology, more and more labor force is replaced by efficient output efficiency (this is the current situation in America). People immersed in the network era of shopping methods and means of payment, coupled with the economic situation continues to slump, traditional retailing and traditional financial services in the cold, in order to reduce costs, many industry employers have played a "reduction of wages and layoffs card." At the end of the season, people from all walks of life are beginning to worry about their jobs: once they lose their jobs, soaring prices and living costs will all be a sword of Damocles hanging over their heads, and the security index will plummet.

Guess six: The richest man Wang will join the internet finance?

At the beginning of December, Baidu Chairman and CEO Robin Li surpassed Dalian Wanda chairman Wang as the new richest man in China, according to Bloomberg billionaire index data.

So ambitious, want to make Wanda the world's first Wang will be lonely?

In fact, Wang has long had the idea of entering finance, "Wanda's involvement in the direction of finance is certain, but I do not want to be in the case of nothing clear, rashly take this step." After the introduction of the rules, I bought a local bank, is not better? This is Wang's financial ambition.

Not only that, Wang also acknowledged the great role of internet finance in the future, and that it must have a huge impact on the traditional economy. In Wang's eyes, the Internet financial war has not kicked off. The big tyrants, a large cash-wielding real estate, will be born in a financial war next year, and it is unknown.

Guess seven: Mobile Internet finance will be the next breakout point?

August 2013, Huaxia Fund and micro-letter marriage, 400 million of users can not stay at home through the "micro-finance" to achieve fund trading, cash access and other functions, simple and convenient, which means that the fund company and the Internet to promote financial services from the traditional channels to the mobile internet finance transfer.

And next year, the trend will be normalized. Mobile payment, as a revolutionary innovation in the field of Internet and finance, is playing a more and more important role in promoting the development of e-commerce and retail market and satisfying the demand of consumers ' diversified payment. No one wants to be in front of a computer every day, and the most efficient way to finance the future is to have different financial service requirements in different scenarios, and only mobile internet can satisfy this point. From this perspective, the next outbreak point of Internet finance is definitely in the mobile sector, next year's mobile internet finance is bound to show an explosion of growth.

Guess eight: Follow the lead of group buying will the internet finance die next year?

Internet companies swarm into the financial sector, reminiscent of the 2010 and 2011 group buying spree, from the "Hundred Group War" Development to "thousand Regiment War", group purchase site spent more than a year, and then, in the vicious competition and industry shuffle, the malady one by one exposure, data show, as of the first half of 2013, A total of 6,218 national group purchase sites, including the total closure of 4,670, "death rate" up to 75%.

If Internet finance can follow in the footsteps of group buying, the puzzle is likely to be unveiled in 2014.