Money APP leaders readily learn to do Internet finance

When the scale of the close to 600 billion of the country's largest public fund balance treasure, the annualized earnings have fallen 4%, was referred to the Internet finance law reeling finance, won the scale, applause, but trapped in profit. Tianhong Fund managed balance treasure has been a loss for three consecutive years.

Balance treasure so, other Internet "baby" products of the day will not be too good. Some industry analysts pointed out that "reeling groups" investment baby products, the capital deposition period is short, more frequent trading operations, investment risk tolerance is very low. All of these products on the baby products scalability and profitability posed a relatively large challenge.

Wu Xiaoling, former deputy governor of the People's Bank of China, has also publicly stated in recent years that Yu Po Po and all kinds of "babies" have done their utmost and have no particularly large room for development.

Then there is no more valuable Internet finance game? Domestic users scale of nearly 100 million, second only to Alipay's second largest financial entrance easy to remember, start a "micro-business" crowd of articles. The latest statistics from the State Administration for Industry and Commerce show that over 45 million individual registered industrial and commercial households have registered capital of 2.51 trillion yuan. The widespread "micro-Italian" group far more than the above-mentioned scale.

Micro-business population is expected to show a geometric growth

Whether it is the traditional PC-side Taobao, or mobile WeChat circle of friends, the increasingly flat channel is triggering a new round of micro-business venture boom. In the first quarter of this year alone, the newly registered individual industrial and commercial households registered an increase of 37.6% while the amount of capital increased by 44.6%. The "micro-business" crowd that did not emerge hidden in the Internet channel, hiding a higher growth rate.

Not commensurate with the size of the small business community and the rapid growth of capital, there has been a lack of deep plowing in the market due to the fragmentation of the market and the non-standardization of the financial management needs of individual users. The financial management of many self-employed people is still stuck on traditional manual books and EXCEL forms. Accounting financial APP has increasingly become a small business group management of the main choice of running water. Among them, the use of easy to remember small business groups have reached 20 million.

Insiders pointed out that micro-business people relative to white-collar workers, the funds are not the same as the law of white-collar workers, more funds available, strong investment ability. Demand for short-term business funds has also become the main source of domestic P2P microloans. The individual business income of small business groups is much higher than the average level, and the financing channels have no larger enterprises. They can accept higher The pricing, while running the possibility of a smaller risk is also controllable.

Since the threshold of domestic private banks is generally above 5 million yuan, the customers who deposit below 100,000 yuan are of little value to banks, and the corresponding bank services of people with deposits ranging from 100,000 to 5 million yuan are basically the same, and how Good customer service deposits in this range of customers become the key to further breakthroughs in Internet finance.

"The traditional accounting APP can not distinguish between users' living scenarios, which leads users to mix and match various daily revenues and expenditures, which is not only trivial but also reduces the efficiency. The easy-to-follow multiple accounting can help users to manage their own individuals Expenses and small business running water, multi-person bookkeeping function allows co-operating partners to participate in the management of revenue and expenditure.This is why nearly 20 million small business groups choose to keep track of reasons. "Readily available technology CEO Gu Feng said.

The value of the crowd will become the Internet financial profit-making point

At present, the demand for short-term business funding has become the main source of domestic P2P micro-loans. The personal income of micro-business groups that are good at self-management is much higher than the average, and the demand for family wealth management investment is more exuberant. With the aggregation of small business and individual business groups and the standardization of needs through business bookkeeping, it is a matter of success to introduce customized financial services.

If they do not have a short-term surplus in their books, they can buy prudent monetary funds on daily appreciation. If 20% of the average daily transfer of 10,000 yuan to buy the Monetary Fund, it will generate a 400 billion fund pool, if the conversion rate of 50%, then the current domestic scale of the top three single-fund.

In the meantime, these business groups often have frequent short-term funding needs, keeping in mind the customization of microfinance products by banks, making it easier for users who need it to get their money, so that reputable users can get more Capital, used to expand the business.

Clustering users through easy-to-use accounting books and traditional financial institutions to form a three-way interconnected closed-loop value chain, will promote the financial products in the portable platform deep customization, support a wider range of financial product innovation, this benign Recycling will make it easy to remember and channel products on the market a clear differentiation advantage.

After the accumulation of scale is completed, various types of baby products including the monetary fund and the new Internet financial products derived from it eventually return to the normal profitable business model. After reeling, the crowd of micro-micro-business or Internet finance will be the next fight for the focus.