Internet finance is raging, all kinds of innovation emerge

Internet finance is menacing, all kinds of innovation emerge endlessly, the traditional financial company dizzying, hasty challenge. Alipay June released the balance of treasure, the latest account users have more than 16 million, the cumulative amount of money to purchase 130 billion yuan, the demand for Oriental wealth can also sell 100 million daily, micro-letter launched payment function, Tencent threshold by financial companies to break.

The era of financial e has been aggressive, threatening the survival of these fitter States of banks and securities. Pessimists feel that if a bank licence such as Alipay is granted, traditional banks will have no immediate place to live.

Although the bank has accumulated a strong foundation of information technology, but in how to use the Internet to obtain customers, into the transaction is still very immature, basically by the Internet company led to go, Alipay let noble such as 4 big line for the job.

At present, the boom in OTC capital markets gives internet companies a huge opportunity to take advantage of their customers and sell their products. The bank's traditional deposit and loan exchange business are impacted, the interest rate in the financial products under the impact of rapid push up, the loan rate under the competition pressure gradually lower, the securities company's wealth management products sales is pitiful.

In the era of financial E, the author of the "Father of China Visa", the current chairman of Guotai Securities Co., Ltd. Wan Jianhua sincere analysis of the various forces of this era, from eyeing the internet company, to the night between the four sides of the traditional commercial banks, and then detonated the new financial institutions, and finally to silently watch , waiting to be shot by regulators. The author has neither the superiority of blind arrogance, also not helpless pessimists, and face the reality, accurately grasp the pulse of the Times, put forward the 28 principle, that 80% of customers can be through the Internet Channel services, sales of standard products, but 20% of high net worth customers need professional and accurate face-to-face, one-on-one service, Sales of customized products.

Noah's wealth grew to capture this opportunity. By cobwebs and truthfully, the book gives the path of salvation for traditional financial firms-embracing the internet and taking the path of specialization-without fear of being revolutionized by internet companies or their own lives, just using the Internet, making good use of accounts, being skilled at doing things, and not being an internet company, It is the financial products that produce high returns – the area of high barriers, and the areas where traditional financial firms excel.

In fact, traditional banks have been following the times to change themselves. 2000 the millennium bug problem, the bank rewrote the old core code, more importantly, rewrite the business logic, integration of different accounts, from the business-oriented high cabinet business to customer-oriented low cabinet business. Of course, traditional financial companies also have to admit that the Internet companies to the financial territory of the encroachment, especially the Internet companies generally adopt the Wolf game rules, with the help of VCs, not short-term profits as the target, crazy enclosure growth model, if the traditional financial companies to take a head-on confrontation, will lose a miserable. Only by consolidating their own advantages protect their own 20% of professional financial customers, and learn the technology of Internet companies, pay attention to the user experience, enhance operational efficiency, through the convenient opening and high return products, gradually extended to the financial business in the budding young customers, borrow coming to the mixed industry Dongfeng, In the financial e-era always stand on the highland of Finance.

Perhaps Ma, Ma Teng have led the internet industry, but Wan Jianhua, MA will lead financiers to pursue their dreams. To change yourself is to save yourself.