Internet stubborn survival rules refract complex financial system reform cycle integration

Traditional banks, such as the survival of professional investment capacity, is the internet finance the hard truth. At a certain stage, taking advantage of its understanding of the financial industry itself, equity participation, or even the holding of a financial day cat, may be a winning choice. In other words, internet companies are introducing traffic, and the financial companies that work with them are investing. The return on investment depends on the level of the investment manager.

In fact, internet finance is a new thing in the 2013, from all walks of life, as if just to the company a newcomer, always want to show their own. The most typical point of contention is the internet and the financial industry. Take a look at what is widely believed to be a dialectical rhetoric about the Internet industry and the financial industry. In the view of Internet enterprises, internet finance is a means to convert virtual traffic customers into financial business income, because the spirit of Internet is only understood by Internet enterprises, and in the view of financial enterprises, Internet finance is not just the traditional financial industry has increased the Internet channel, is how financial enterprises through the network, To better play the specialized investment and the value-added service ability question.

If the Internet finance is thrown into the perspective of the entity, then the dialectical relationship above is only a superficial phenomenon, and the lack of it is, on the contrary, the potential of China's Internet financial system is huge, especially in China, which is in the Internet financial gap.

Survival Rule One: trust trends

In the more than 30 years of China's reform and opening-up, in the financial field, the state-owned commercial bank system, which is the main body of "establishing diplomatic relations between Chinese and peasants", has become the biggest beneficiary, and the government is not only the largest shareholder, but also the ultimate guarantor of financial credit Today's News (Ma Yun and the prime minister's talk) is precisely the point:

Confidence in China's economy is largely the result of entrepreneurial confidence, and entrepreneurs, especially private entrepreneurs, want more trust from the government. ”

"You are invited to a panel today to represent our trust." To private entrepreneurs, the government not only trust, but also rely on! ”

Under the background of the government credit, the financing demand of the small and medium-sized enterprises and the financial demand of the residents have always existed, which is precisely why the Internet finance has a strong market competitiveness and the right to speak in the beginning of pregnancy.

In fact, this also fully explains why the recent balance treasure, such as rapid development, the traditional public funds and small and medium-sized private Equity Trust fund, a little bit, using the Internet channel advantages, very quickly to raise the traditional solid canal dream of the day amount of money.

Conversely, the financial system must foster in the Internet credit this stage of the chain, to make up for the lack of market trust. The convergence of trust between the Internet industry and the financial industry will always follow in the evolution of the road ahead.

The rule of Survival II: Service for the King

On the basis of Internet financial Trust, it deepens a kind of spirit-Internet financial service. First, the purpose of financial networking is to make financial intermediation more simple, so that the object of financial services can be directly blended with the providers of financial services.

Many of China's financial services providers, private equity managers, financial advisers, and corporate finance experts will be joining partners, with innovative financial solutions on the shelves of internet finance, in other words, a partner's income level determined by investors. From this point of view, the financial system of the service sector, will be transformed into a large data-oriented professional financial Information Technology Service Center.

To see an example, Taobao has today's performance is the traditional, to the central, centralized shopping malls, by more have their own characteristics, decentralized business replaced, that is, large and standard services, small and beautiful and unique services replaced. So is the internet finance industry.

The law of Survival III: technological revolution

If the first two are the positive response of the Internet industry to the financial industry, the 3rd will be the integration of financial reform and the stagnation of the financial diversification system.

Omnipotent analysis, it is this Internet technology revolution brought about by the low threshold competition, leading the future regulatory system of the Internet model, its inevitable cost burden, and eventually will be the emerging financial investment platform, integrated into a few oligarchy, the implication, after the baptism of the Internet, financial markets than the era without internet , more centralized and monopolized.

Generally speaking, it is hard to say that the traditional financial enterprises Internet, the formation of the final financial oligarch, or the merger and reorganization of financial enterprises, the birth of a new "financial monopoly services." But the ultimate stubborn Internet survival code does touch the nerves of internet based attributes (fragmented products, diverse customer needs). Only when internet finance becomes a living habit of customers, the complex financial system reform cycle is estimated to be a cycle.

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