Internet Finance 2.0 vs: mutual fund and electric business platform

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In the Internet Finance 2.0 World War, the High Income fund product because and balances treasure formed the difference to become exceptionally eye-catching.

April 15, Jingdong (rolling information) "Super Wealth management Products"-"Jing Dong 8.8", in the Beijing-East financial platform officially popular sales. Not long ago, the second docking of money funds is also quietly online.

This is the second stage of development of the Fund's electric business, and the mutual occasion between the fund and the electric dealer. At this stage, the Fund's primary goal is to work with more internet power providers, docking more Third-party account platform, the flow of traffic into a real customer, for the late-deep customers lay the foundation.

High Income substitution homogenization

With the continuous easing of capital in the interbank market, the annual yield of the first generation of Internet financial products, represented by the Monetary Fund, has been declining.

"Jing Dong 8.8" is a hybrid fund-Cathay Health pension regular payment fund. Compared with the main monetary Fund of the Internet finance, 8.8% fixed-yearly payment rate is obviously very eye-catching. Cathay Fund related People stressed that the fund managers will be the professional initiative management capacity rather than subsidies to achieve the income, 8.8% of fixed-year cash payment rate.

It is reported that the product will be quarterly on time, according to the agreed annual rate of payment investors cash, the final annual rate of payment reached 8.8%.

With the financial side of the interbank market being loose, the first generation of Internet financial products, represented by the IMF, have been declining, while the highly rated medium and long term credit debt market is getting out of the trough, and the annual fixed coupon income can stabilize to around 7%~9%, which also directly increases the bond fund's earnings forecast this year.

"Stable debt income and timing participation in new equity investments will be supported by a fixed-annual cash payment rate of more than 8.8% per cent." Zhou Xiangyong, deputy general manager of Cathay Fund, said in an interview with the China Business newspaper that "8.8% is a fixed-year rate of payment, not a promised rate of return." As a hybrid fund, this indicates that the product has a greater investment scope than the existing Internet financial products, and also provides us with more space to display our professional investment ability. ”

Not long ago, Ali recruit treasure platform on the line of a capital preservation fund is clearly also higher than the money fund yield and favored. According to the product contract, "Jing Dong 8.8" will invest in fixed income assets such as bonds not less than 70% of the fund assets, investment stocks and other equity assets of the proportion is not higher than 30%, including buy, sell stock index futures contract value.

However, Cathay's Fund stressed that "Jingdong 8.8" is a low-risk product. "Jing Dong 8.8" is quite similar to the current mainstream capital preservation fund in the market, if it is simply categorized from the scope and limits of investment. Cathay's Fund predicts that the product will not buy shares directly in the level two market to avoid possible principal losses.

Without losing money, this is the bottom line for all Internet financial products right now.

In addition, in order to get the Internet cock users of the identity, to meet their favorite free, like with the use of redemption habits, Cathay Health Pension regular payment fund is still done a little change.

Not only can the investment principal be redeemed at any time, but a lower redemption rate is set for different holding periods. This is the higher redemption rate for the capital-protected funds sold with the Treasury, and the biggest difference between the bond-type fund and the principal that cannot be redeemed at a certain closed period.

However, for the first-time Internet companies to launch their products, the Money fund remains the preferred option.

It is reported that Sina's fund to buy a platform of micro-wealth is being carried out in a small area, its first product docking is the exchange of cash Bao Fu Money fund. As of April 16, the latest 7th annual return of cash treasure added to 5.116%.

In addition to the Fund products, Sina Micro-wealth will be online insurance, peer-to-peer and other types of financial products.

Grab the platform and grab the traffic

Internet finance is still the yield, the yield is not brand-this is the fund's opportunity.

Ali Balance Treasure's strong intervention, disrupted the fund industry e-commerce Development Rhythm, but also presents a new asymmetric competition pattern. This also causes the fund company to reconsider to the electric business in the new pattern, the next how to play?

Peng Hua Fund Channel Business department executive general manager Xiong the fund company's E-commerce Business development Summary of three stages: start-up period, development period, expansion period.

Xiong Dozen For example, the start-up period is to build a road, for later conversion rate lay a good foundation, the development period is to obtain flow;

"The Foundation platform of the fund company's electric business has already finished, at present in the second stage." "In the development stage, the fund company has done the most thing, is competes with the first Echelon Internet company cooperation, the docking more third party account platform, establishes the account system, enhances the customer group stickiness."

With the Beijing-East cooperation, Peng Hua hopes to have two key breakthroughs. First, the fund company to establish an Internet customer demand-oriented, the establishment of industry benchmarks; second, to improve the user experience, through collaborative mode, to find the fund's business and model opportunities.

Jia Real Fund Living Wallet, Peng Wah Fund value-added treasure is the first to dock Jingdong "Treasury" of the two Money fund products. Huaxia Wealth Treasure, Hui add rich full treasure, easy side Tatsu easy money funds are also in the micro-credit management through the online. In the online short 1 months, the user is a breakthrough million.

"The development period has two key factors, is through the multi-channel, the online Shanghai quantity receives the guest (household), simultaneously, enhances the direct sale conversion rate." Xiong said, open drainage (flow and cooperation), is the late fund company for customer refinement of the foundation.

Xiong describes the common practice of fund companies. First into the Amoy (PO), and then out of the process of Amoy (PO), and then do can "find their own milk to drink," find their own cheese and cakes.

Of course, to Ali as the representative of the electronic business in the traditional financial field to achieve the image of subversion, however, the fund company to cooperate with the object is not Taobao family. Moreover, at the present stage, the fund company may not be able to depart from the cooperation with the electric dealer and the third party platform.

However, in the balance treasure from hot to cold rational thinking process, the fund company realized a problem, in the Internet finance, to avoid the helpless homogenization products, as well as the big price war.

"Internet finance is still the yield, the yield is no brand-this is our opportunity!" Li Ming, head of the electric Business Department of a Beijing fund company, said.

This is a good explanation of why in the Internet Financial 2.0 war, the electricity quotient and the fund high dozen to raise the qualitative product, the competition high income reason. Fund companies are trying to prove themselves as fund managers of the professional initiative to manage investment capacity, the previous subsidy to the proceeds of the way or just a one-time marketing tool.

Experience Times Competition Service

Electricity dealers are thinking: How to be different in the Internet financial war, and thus quickly stand out? But the reporter found that they have a lot of convergence.

At the same time, after the impetuous and noisy of the Internet financial War, the fund company gradually realized that it should strive to find its potential and direction in the competition, rather than blindly follow.

At this point, Ali once again to be subversive, become the industry leader. Ali Recruit Treasure Platform is its useful exploration.

"The layout of the treasure on the one hand is due to lower yield, the balance treasure began to appear continued redemption, how to redeem customers to provide differentiated services, let the treasure platform to undertake this part of the customers and funds. And more important on the one hand is that Ali realizes that the only way to win is to go upstream. Li Ming explained that upstream production Enterprise Manufacturing fund product capacity is strong, so that customers have more adequate selectivity, so that channels can rely on.

In fact, this is also the problem that the electric business thinks. How to be different in the Internet financial war, so as to stand out quickly?

Reporter interview found that the two have a great convergence of nature.

Jing Dong Financial related person in charge in an interview, said, "Jing Dong 8.8" In particular, is really grasp the needs of the Internet users characteristics. If only from the product type to think, whether to provide users with better service, standing in the user experience angle, the threshold, liquidity, profitability, risk, these four dimensions is the Beijing-East finance to the real consideration of the product.

BEIJING-East finance related officials stressed that Jingdong finance will not do the market replicator, around the Beijing-East Eco-circle, standing in the user experience angle, to build a stable revenue, safe and convenient products, so that users get a better experience. Only in this way, the Internet financial products are really into the 2.0 era.

Coincidentally。 April 15, Baidu released "Baidu Wallet", layout Baidu Mobile service ecological chain.

Baidu Wallet said that can provide super transfer, payment, pay, recharge and other life services, while providing "Baidu financial" and other assets value-added tools, so that users easily into mobile life. As one of the largest flow platform in China, it has more than 600 million active users is the tool to build mobile internet ecology. Baidu vice president Mingyuan said that the future, Baidu and partners, users will jointly promote the development of the mobile Internet ecological Health.

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