Internet finance: Not a big climate!

Since Wang forecast, the next few years, Internet finance is leackage. Du Zijian forecast within 2020 years of the trend is not reliable after the internet financial tide, I faint feeling that the Internet financial achievements can not do what the climate!

For internet finance and the traditional financial system, please answer me three questions, 1 What is Internet finance? 2 is the bank outdated? 3 How do Internet enterprises intervene in financial business? These questions can not answer, don't give me out of the face that is a cliché of the problem!

What is Internet finance?

In fact, so far, there is no uniform definition of internet finance. Logically speaking, all financial operations that operate through the Internet should be included in the category of "Internet finance". However, China's market now seems to be more of the internet finance is referred to as internet companies involved in the financial industry to carry out those businesses. The study and clearance of these concepts may take time. In fact, the nature of Internet finance is a process, perhaps this can be used as a unified answer standard.

Now the Internet financial oncoming has become more and more ferocious, there are data to support: according to incomplete statistics, this year, "double 11" period, only through the sale of Taobao platform of financial treasure, the total transaction amount has reached 908 million yuan. Such a huge amount of data, for this rising internet rookie, is a good result of the answer.

Omnipotent a Xuan think, "single from Taobao 900 million of the scale look, is really not small, more eye-catching." However, some data show that the 2012 national commercial banks issued nearly 25 trillion of the wealth management products, and the variety of banking products, including funds, brokers, private placement, financial market for the needs of Chinese residents are relatively large volume. So the impact of Alipay on banks and even the financial system as a whole is not as big as it seems, it's a small drop of water. ”

Is the bank out?

And ICBC's former president Yang chat after the following information, although there are more than 17,000 business institutions, but now through online banking, telephone banking, mobile banking, self-service banks and other channels to deal with the volume of business has accounted for 78% of all business, equivalent to the replacement of more than 30,000 physical outlets. Our independent research and development of the core application system to support the operation of a large network at home and abroad, the current daily average business volume of 200 million, per second processing business peak to 6500. Last year's electronic payment settlement amount amounted to 332 trillion yuan, the settlement pen number exceeds 13 billion.

The reason why I want to make a list of these situations is to show that China's banking industry does not use internet technology, as some people think, and lacks the ability to analyze and integrate various types of data. China's banks should, and have the conditions, in the process of internet financial rise, and further accelerate their own development. Chinese banks are not outdated in using information-networking technology to provide financial services and implement internal management. In addition, it should be pointed out that Internet enterprises in the financial business in fact rarely can be divorced from the basic services of banks, such as Third-party payment Enterprise Customer identity certification or need to pass through the bank's customer information, funds transfer and liquidation must be done through the banking system, and so on. In short, there should be a comprehensive understanding of these issues.

How do Internet enterprises intervene in financial business?

At present, the financial business of Internet enterprises in China can be divided into three categories, such as payment and settlement, financing, investment and financial insurance.

In the payment and settlement business, the first is those relying on their own online shopping website developed comprehensive payment platform. This kind of platform has the function of online payment, transfer remittance, guarantee transaction, living payment, mobile payment, etc., on behalf of the enterprise has "Alipay", "Tenpay" and so on.

In the financing business, the type is many, the structure is different. For example, Peer-to-peer mode, originally refers to through the network platform to achieve and complete the micro-credit transactions. Normal Peer-to-peer has a small amount of transactions, the supply and demand of both sides to individual, small business-oriented characteristics.

At present, the most media coverage, the network is the most hot on the "Ali small loans" as a typical representative, based on information collection and processing capacity to form a financing model. It is different from the traditional finance depending on mortgage or guarantee mode, mainly based on the transaction data of the electric commerce platform, the user information of social network and the Behavior habit, forms the network credit rating system and the risk calculation model, and then issues the order loan or credit loan to the network merchant.

On the whole, Internet companies to enter the financial industry is only from the financial edge of small bits of money to start, if such a state of complacency and blind arrogance, the Internet companies are the most taste of financial fur. Then I am willing to the Internet financial spoilers still are very responsible for these internet companies. Of course, the reason why I sing bad Internet finance is that the concept of network finance needs to be further clarified, the mode of network finance needs to be further regulated, and the operation of network finance needs further supervision.

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