Is the spring of internet finance coming?

If you have to find a word to describe this year's internet finance, it must be "the first of the internet finance", may wish to look at internet companies have recently been frequent, the financial business is a new layer of overlap.

Baidu's financial products starting time for the October 28, Hundred earned on October 31 on the line.
"Hundred Earn" is the Baidu Financial Center and Huaxia Fund, based on the ordinary Internet user investment needs analysis and cooperation launched a long-term customized wealth management products. "Hundred earn" mainly invests in the time limit within 1 years of national debt, central bank bills, bank certificates and other financial instruments, do not invest in stocks and other risk markets. In terms of liquidity, "Yum" supports the purchase of flexible redemption at any time, it can be said that the bank's current deposit line is not the second

Compared with the former and Tianhong balance Treasure launched, October 31 morning, Taobao received the SFC issued a letter of no dissent, the first Internet for the fund sales agencies to provide services to Third-party E-commerce platform. Up to now, there are 32 fund companies Taobao flagship store page can be searched. But the reporter learned from the industry, not more than 30 fund companies are all the first on-line, the first batch of fund companies on the line of about 15.

And Tencent, in early September, the fund company and Teng Tong's tenpay cooperation products have been approved; In addition, Jingdong, Suning easy to buy, Yeepay payment, network letter, etc. are involved in internet finance, it is said, Sina also want to withdraw from financial products.

What makes Internet companies so multifaceted?

According to the People's Bank of China's August data, the current household savings balance has exceeded 40 trillion yuan, the last three months has continued to stand on the 43 trillion yuan, the household savings rate has exceeded 50%, far more than the world average level. Internet finance, the gold mine, has yet to be exploited by internet companies and related industries.

The prerequisite for the emergence of any new economic model is the need for a broad market "money" and user base,

The current Internet financial development is still at the primary extreme, just a change in the way of sales, homogeneous competition is also very serious risk and profitability and handling fees will be the main channel card, in the official words: "At present, China is only the initial form of internet finance, and can not say that there is already the Internet financial industry, The internet is just an extension of the arm of financial institutions, not a genetic revolution. ”

The fund has become the preferred product of the Internet companies ' finance, and secondly, there are a lot of high safety products such as national debt, central bank bills, bank certificates of credit, small loans and so on.

In fact, it is not difficult to find that the Internet to the traditional financial stimulus and subversion, as if the original electric business to the impact of traditional industries. Where there is profit margins there is bound to be a new model and the participation of the latter. We should not only see the positive side, but also have a "proactive" forward-looking awareness.

Positive aspects
Changed the traditional financial ecology, the emergence and development of the Internet has brought about a historical subversion of the original business model, the emergence of a new financial business model, financial and Internet technology exist innate genetic matching. The core functions of finance include payment function, resource allocation function of absorbing deposit loan, wealth management and risk allocation function, these functions are grafted on Internet platform, and the efficiency will be greatly improved.

November 1, the news broadcast also aired, such as Angel sinks, such as a group of Internet financial start-up Enterprises, was founded at the beginning of the capital by all parties and entrepreneurs hot, and showed the network loan platform convenient and efficient.

In the capital market, the three quarter ushered in a concentrated outbreak, by the balance of treasure and other events of the continuous fermentation, the concept of interconnected financial sector of the single season rose also reached 58.82%.

The investment group recently released the research report said: In other areas of the Internet disclosure of investments in the case 24, the investment amount of 121 million U.S. dollars, including the financial vertical search platform for 360 to obtain Sequoia China, Kai Peng, the light of the VC, the Qing Branch group of 30 million U.S. dollars investment, The transaction has become the biggest financing case in the field of Internet finance in recent years, and the Internet finance field has become the new investment focus of V c/pe institution.

Presumably, internet finance will also become the next industry investment focus, here gathered more opportunities, digging the space is huge. But at the same time there is a huge regulatory black hole, no matter which branch of internet finance must do a good job of risk monitoring to ensure stable and sustainable development. China's E-commerce Research Center released information showing that 27% of Peer-to-peer investors surveyed suffered losses.

As the spring of internet finance comes, its huge regulatory loopholes and risks must also be paid attention to, at the same time, the lack of industry supervision and not in place, the market participation in the main level of qualification, all for the healthy development of the industry has brought disadvantages, but also may be illegal funds to bring loopholes, resulting in the loss of investors.