Internet finance is like a huge whirlpool

Internet finance is like a huge whirlpool, involving executives of the fund industry and all the people in the electricity business.

"The Fund industry Association September 25 in Shenzhen organized an E-commerce business symposium, usually attended by the electric business owner, but now become the company president personally." "A fund company in charge of E-commerce, this is just a regular business seminar, but Yifangda Fund President Liu Xiaoyan, Peng Wah Fund President Deng Jinming and so on personally participate in the discussion."

This is a small detail that the fund company attaches great importance to the electric business. Since the balance treasure, the fund industry to the Internet platform for the battle to enter the white-hot state. But in the face of the wave of the Internet, in which the electrical business practitioners, but caught in a frenzy, anxiety, confused mood.

High-level busy enclosure

"Company leaders busy to call on Tencent, Baidu, Suning, Beijing-east and other Internet platforms, busy signing strategic cooperation agreement products." "A fund company senior electric trader Member Li Yu (alias) Introduction, Balance treasure before the birth, and the Internet to talk about cooperation is by the Department of Electrical products manager, but now, all external cooperation by the Deputy-level senior executives."

"Send a big head (leader) directly, can prevent others to squeeze us out." "Li Yu said that the balance treasure let the fund industry are aware that the customer base of large platform is not many, who can preempt the platform to sign a cooperation agreement, who can occupy the first opportunity."

In this round of the external platform of the battle, Huaxia, Yifangda, Guangdong, Hui Fu, such as several Electrical business Foundation relatively strong fund companies have prevailed. They first obtained with the Tenpay release type balance Treasure product qualification. In addition, China and Baidu have a preliminary strategic cooperation agreement, the Guangdong and Hui Fu is robbed to cooperate with suning distribution type balance Bao products.

At the same time, the fund company's leadership is also closely concerned about the cooperation of other fund companies and platforms.

Today, media reports Tenpay and Huaxia and other four fund companies first cooperation, tomorrow said Baidu and Huaxia to establish strategic cooperation. Large traffic platform on such a few, the cooperation of a family, every time there is such a message out, we are very nervous. "Chen Jing (alias) is the old 10 fund company electric business personnel, she said Tenpay to do open platform, many fund companies are doing system testing." But after the first four news came out, the company leaders began to cross-examine the business progress and rhythm, demanding "fast."

Shanghai, a fund company, electric business staff also regrets that the fund industry to the Internet platform, has caused the "mutual pressure" situation.

"The pace of cooperation between the family and Tenpay is similar, but the end result has not come out, they will be very worried about the variable." Once new progress is reported, it becomes more stressful. The Shanghai electric business personnel said, now most afraid to see is the fund company and the new platform cooperation, at this time the total headache does not know how to lead "."

This kind of leapfrogging atmosphere, drove many fund company electric business personnel to inquire about the colleague's business progress.

For example, Taobao platform to open the shop has more than 30 companies, is currently in the system testing phase. However, the Fund's electrical business personnel will note that rich countries and Guangdong has completed the test, Peng Wah is the industry's 3rd Test company, the current system has been transferred to the end of the test.

There is also a representative of the details are, when the market emerged from the Chinese top and Baidu to finalize strategic cooperation agreement, the company's electric business departments have to Baidu, China to understand the actual progress of cooperation. For example, what types of products are designed and when they will be rolled out. Some of the company's electric business managers, specifically run to Baidu financial experience.

Some fund companies that have missed the big platform have turned their minds to the Internet platform, which is the second-and third-tier.

Baidu to do Baidu Finance, we go to lobby 360 also do search finance, see whether can establish exclusive cooperation. "One of the old 10 fund companies in Shenzhen, said that, in addition to the balance of treasure, fund companies into the internet finance has not seen any results." At present, who can not determine which platform to explode a large energy, the first stage of the platform encirclements.

Working overtime at grassroots level

High-level happy enclosure to finalize the cooperation agreement, but the specific responsibility for the implementation of the electric business sector, but the internet is "cornered."

"The pace of the Internet platform is very fast, they work overtime to 11 o ' clock, 12 o ' clock, week 6th as usual, forcing the fund company with internet companies to catch up." Li Yu said that the fund company's past work habits are the task of sequencing, step-by-step forward. But "the Internet is going to be a dead beat," which stipulates what tasks must be done each day. ”

This overtime work of the electric Business department is not only the competition from the Internet peers, but also from the fund companies.

"Suning, Tenpay are working overtime to launch balance treasure products, every day to urge us to seize the time to test the system." Tencent is directly put the word who first finished system testing, who first products. Li Yu says the fund companies are worried about being dumped behind their peers. Therefore, as long as the Internet platform has instructions, the electrical business personnel are "to rush to death."

A change in detail can reflect the current "overtime and hectic status" of the Fund's electrical and commercial department.

"Before the balance treasure appeared, the technical department personnel's work is responsible for the fund company Direct Marketing website construction, the promotion and the maintenance, but now the technical staff's work scheduling time, is completely is the external Internet primarily, does not have the mind to take into account the direct selling website thing." Li Yu said, all the work center of gravity and resources are tilted to the external platform, the company's construction can only temporarily set aside.

This fast-paced work pressure has not only been reflected in the electrical business sector, even product design departments are not spared.

"The Internet platform has put forward the requirements of product customization, such as Baidu requirements of China to customize a new, specifically designed for Baidu products, the condition is capital preservation, annual return to 8%; and the Internet platform requires the fund company to design a high yield, low-risk, liquid products. Li Yu said that the Internet to mention these requirements, directly to the product design department raised a big problem.

Internet bubble?

Whether the preparation of the online balance treasure, or ready to open shop in Taobao, the fund industry employees feel like "a pilgrimage to open up a new territory", the heart is full of enthusiasm. But at the same time, feel confused, anxious.

"The Internet is characterized by its fast-paced, fast-changing and very variable size." We've done a lot of things, but the pain is short of seeing results. "Chen Jing regrets the initiative in the hands of the platform, recently talked about no practical cooperation, which makes the whole department a little anxious, lit."

"At present only the balance treasure of the number of users has 12 million, the scale reached 5 million-6 million yuan." But no one is afraid to jump to conclusions about whether such an effect can be found on other internet platforms. "A Shanghai Joint venture fund company director of Electric Power is confused, Taobao, Tenpay and other internet platforms like the territory to be developed, fund companies to invest heavily, when the recovery period, with great uncertainty."

A Beijing fund company Personage thinks, now the industry is swarming, everybody already cannot calmly to think the input-output ratio, is worried that the colleague is dumped behind.

And now, Huaxia, Yifangda, Guangdong and other companies and Tenpay, Su Ning's cooperation has been to the "everything has, only the Dongfeng" stage.

"The test is now almost complete, the product has been reported and the marketing staff is in place." Estimated after the National Day holiday, the fund company and Suning, Tenpay cooperation balance treasure products can be online. "The whole industry is waiting for the release of these two products," said the head of the electricity business of a large fund company.

If Tenpay, Suning's balance treasure issue scale is bigger, the internet finance's momentum will be more violent. Other fund companies that have not pushed their products will be more anxious. But if the scale is small, it will give the industry a pot of cold water, let us rethink the future of internet finance. "said the head of the large electricity dealers.

For internet finance, small and medium-sized fund companies also dare not slow down the pace of progress. They will spend all their minds on Taobao shop competition.

"Taobao's first open shop will have more than 30 fund companies at the same time online, we will focus on the design of the puzzle page." "A small company electric business person said, many fund companies have hung out Taobao shop page, his daily work is to page browsing, compare progress and design situation."