Internet finance shaved the entire financial turmoil

Internet finance shaved the entire financial turmoil.

According to "China Business" reporter has learned that Alipay Microfinance Group (chips) Lucky Choi platform, is currently a lot of negotiations with the agencies, hoping to find more financial products to "expand the military."

As time goes on, they and financial institutions in the right to speak of what is weak, is also beginning to gradually change.

"Taobao (Lucky Treasure) product design can not keep up, and ultimately still looking for institutions." And a "negotiable treasure," negotiated medium and small brokerage said slightly contented: "The attitude of these platforms online also changed. Under the current circumstances, Lucky Choi area if you find the right product, it should give the docking institutions some preferential terms, which is different from the previous fund settled in Taobao.

It is understood that the current "Lucky Treasure" negotiations include the banks, insurance, funds, trusts and so on.

Ali "Lucky Treasure" wide cast net

On April 10, Zhaoerbao platform formally launched Taobao's financial channel. This platform platform is another Internet financial project under the Alibaba micro-financial service group after Yu-Bao Yu.

According to Cai-Po stakeholders, at present, the number of financial institutions settled in the platform has reached 15, there are more than a dozen financial institutions are joining the joint transfer, more agencies have reached a cooperation intention to access preparation. Currently released product types include SME loans, insurance management and funds.

"Treasure treasure is indeed looking for extensive institutional negotiations." The above small and medium-sized brokerages told reporters, looking for several brokerages, including them. He told reporters that this move to find wealth institutions, mainly through mutual introduction within the circle. "It's not quite formal."

According to insiders said Treasury, at present their people "are busy expanding their products," but also confirmed the side of the above statement.

"We are actually in contact with a variety of financial institutions with appropriate abilities and qualifications, including those that directly publish wealth management products and those that provide risk management capabilities. Some are already engaged in access coordination and some are still exploring specific Cooperation programs. Considering the confidentiality requirements of the cooperation agencies on the progress of business, we are not suitable for the disclosure of the specific information of the unlisted organizations for the time being. "The above-mentioned Fortune-Po insiders said:" As more institutions continue to join, there will be more categories in the future The investment varieties available for users to choose, supply scale will gradually enlarge.

Different from Zengbao Pozhongfa Fund, which only has built-in Tianxu Fund, the platform of Zhaozhuobao is open to financial institutions such as banks, funds and insurance.

"Lucky treasure platform is a regular platform for financial management, mainly fixed-term, stable income, safe and reliable investment varieties.In short, the current funds can be placed on treasure, regular funds can be placed on Lucky treasure." Inside the Lucky Treasure Say. However, since its launch in April this year, the users of Treasury treasure docked with Rebel, which also made the outside world speculate about the competition on the customer side. "There will be some diversification in the short term, but in the long run, it is a complementary and mutually reinforcing relationship, because with the continued launch of new products by Choi Po, it greatly enhances the cohesion of Yu-Po customers, which in turn promotes the latter. "An insider of Tianhong Fund said. In addition, the reporter noted that in Taobao Finance Channel, there are five regions, including Yu Bao, Lucky treasure, fund management and insurance money management, as well as exchange area. And riches treasure products, there are funds and insurance products, and accounted for not low. "Lucky Treasure Platform operated by Shanghai Treasure Treasure Financial Information Services Co., Ltd. Each wealth management channel of Taobao Financial Channel is operated independently by different financial institutions and has different user experience styles to meet users' wealth management needs with different risk preferences and product characteristics , You can also get the distinctive store services. "Treasurer so explain the difference between the two sides. However, both parties may be hard pressed to avoid competition with their clients.

Brokers: Lucky Choi product requirements

Although Treasurer expects "rapid military expansion", it is said that they did not require much lower standards in the initial choice of financial products.

"We demand is guaranteed products, but the rate of return can not be low." The above small and medium brokerage insiders believe that good products, where worry about selling, do not have to go online.

This reporter has learned that the current wealth Caibao area, investment income 5.4% to 6.9% range, the investment period from tens of days to five years, of which mostly sold out for some short-term products.

"I really understand the feedback from these organizations," said Treasurer insiders. "There may be some resource differences among different types of financial institutions in terms of how they can meet their needs."

According to her introduction, according to the historical data of Zhaoerbao platform, it can be seen that users have a definite expected rate of return within a period of one year, and the products with investment guarantee are very welcome and are basically "spike". However, users are not interested in some products that have a risk of losing money for some periods with a term of 3 years or more or 5 years or no expected rate of return.

"After analysis, we think this is the same with our current user base riches platform younger, less financial management experience, the risk tolerance is weak, the future may have to spend money is closely related to the characteristics of the user, they most need is Simple and clear, the deadline should not be too long, the proceeds to be stable products. "The above Treasure Po insiders said," In the face of this demand characteristics, some of the original advantages of this body in this piece, Developed relatively fast, and some agencies may be good at the original long-term assets or floating income assets, and now to meet the needs of the Treasury users need to spend more effort. "

Small brokers hope counterattack

"We might really be able to counterattack it." A small and medium-sized brokerage vice president, told reporters.

What he hopes for is the thriving Internet finance. Among them, Celestica Fortune Fund balance borrowed just turned over to age. As of the second quarter of this year, the balance of treasure amounts to 574.14 billion yuan, the number of users exceeded 100 million. Under successful cooperation, Alibaba already has a stake in Celestica and owns 51% of the shares, becoming the controlling shareholder. The relationship between the two parties is unbreakable.

However, follow-up with Taobao cooperation fund, did not get the same gratifying results. As of now, the fund is being sold on Taobao, with sales still limited, only as one of the channels.

Internet companies and financial institutions in the fight for the right to speak, but also never stopped.

"They are not professional people, and even if many products are designed, the estimation has lagged behind." The insiders of the above small and medium brokerage firms bluntly, "Finance still depends on the product."

However, he said that at present, the biggest difference between Internet finance and product design of the financial institutions themselves is that "in the past, there was a product to find a customer. Now it is to first have customers' needs and then to design products."

"Internet finance, ultimately, still have to fall into the financial." The above small and medium-sized brokerage insiders categorically said.