Internet finance "Spell Daddy" 2.0

When one thing is being run by startups, the traditional and emerging giants are getting involved in a variety of ways, which means that an industry is about to mature.

The recent period of internet finance, in addition to a succession of start-up company financing News, the most eye-catching is the traditional financial, industrial giants of the big March, and the two are often cross-cutting, such as the Blue Fund (blue Economic Zone Industry Investment Fund) and the Capital Technology Group investment "fruit finance."

"Flower and Fruit Finance" is a new Peer-to-peer platform, the model is similar to love investment, building blocks and advantages, mainly for small and medium-sized enterprises to provide short-term loans, all projects by the small loan company or guarantee company to provide, in full mortgage, under the premise of a Third-party guarantee agency to provide full principal and interest guarantee. According to Flower and Fruit Financial founder and CEO of the ranking revealed that the platform since January, the cumulative transaction volume has exceeded 400 million yuan, more than 9,000 investment users, the average single user investment of about 60,000 yuan. In terms of operating mode, "Flower and Fruit finance" has taken a "boutique strategy": compared with other peer-to-peer platforms of the same volume, "Flower and Fruit finance" may be the lowest investment, but the number of investment per capita is among the best, and rarely do public promotion (note that "Flower and fruit Finance" Baidu search rankings very close to the website).

As one of the investors, the Blue Fund is a state-level industrial Investment fund approved by the National Development and Reform Commission, with a total scale of about 30 billion yuan, which is the largest industrial investment fund in China at present. The investment in flower and fruit Finance is the fund's first test of the internet financial sector. The other investment capital Science and Technology group, is one of the Beijing government's five equity investment platform, mainly in the form of equity investment and other means for the landing of major projects to provide financial support to promote strategic investors, venture capital investment institutions and other social investment.

In fact, before "Flower and fruit finance", it is common practice to attract state-owned, traditional financial institutions and industrial giants into the business. Back at the end of last year, "Love investment" took the Ministry of Civil Affairs of the Emergency Industry Fund of the first round of investment, recently, including 91 Financial (Haitong Securities investment), where to vote (GF Securities Investment), Ppmoney (with the GF Fund), and so have chosen to cooperate with traditional financial institutions and industrial groups.

So can we assume that Peer-to-peer has largely entered the "Spell Daddy" era? and the 2.0 version of "Fight Dad"?

The so-called "Spell Dad" 1.0, is in the Peer-to-peer industry policy towards the uncertainty, many startups to protect themselves a way. During this period, some companies, through the transfer of shares, private relations and other means, with the official background of the company or people to bind the interests. At that time, "spell Dad", mainly in order to get the upper level of information, and even affect the upper decision-making.

and "Spell Dad" 2.0, is in the industry policy gradually clear premise, innovation company and traditional giants, finance and industry further intersection of natural development.

Standing in the traditional giant's perspective, we all have the trend of financial Internet to accept, and in the innovation business is easy to encounter capacity and institutional bottlenecks. Partnerships, investment and even acquisitions are the best way for these giants to get into internet finance.

From the perspective of the combination of finance and industry, the short-term view is to solve the shortage of trade resources, in the long run, in line with the trend of integration of production and integration. As we all know, the current restrictions on the development of the entire peer-to-peer industry is not the flow and capital, but the lack of loans, peer-to-peer and traditional financial institutions and industrial giants combined to facilitate rapid expansion of transaction resources. And standing in the nature of the financial discussion, the core or to serve the industry, and industrial integration is also a necessity, in the real estate, automotive and trade areas, many have commercial resources of the industry companies are also active to the internet finance closer.

So we can no doubt think that the Internet finance has entered the "Spell Daddy" 2.0 times. This means that startups, in addition to their Internet peers, will face competition from traditional industries. It also means that these startups, in addition to fight out of the Red Sea, have an extra exit path-to accept the traditional giants ' investment or simply sell them.