Online Vibe a hypothetical

Online vibe a hypothesis, that is, if you make a choice, turn off Baidu, Alibaba, Tencent, three internet companies, or the closure of ICBC, you will choose which one? Which option includes businesses that have a greater impact on your life. I think, most of today's netizens will quickly make a choice, that is, ICBC love off, leave me a bat three big. This is a do not need any entanglements can make the choice, after all, the Internet has developed to today, the people's way of life has had a profound impact, the Internet is pervasive impact on our lives, including the basic necessities in all aspects.

This year, the development of the Internet has been more rapid, the tentacles of the Internet into the financial sector, the National high level also released the financial industry will carry out innovative reform of the signal, from the policy also gave Internet companies access to the financial industry opportunities, and recently burst a number of internet companies to apply for banking licences rumors The above hypothesis compares bat's big three internet giants to ICBC's because bat is in a different way into the financial sector. In fact, BAT's Internet financial layout has been around for a long time, so let's review the financial layout of the three giants.

Baidu

1, the acquisition of PPS video business

May 7, 2013, Baidu announced 370 million U.S. dollars to acquire all the PPS video business shares, and the PPS video business and Archie Art to merge. Baidu said that after the merger of both sides of the business, the entire platform of user size, duration all reached the industry first, Archie Art will become China's largest network video platform.

"After the merger of two companies, to achieve resource optimization in three aspects, one is the scale effect, flow increment, the second is the industrial chain control force, upstream bargaining (copyright), downstream (advertisers) have the right to negotiate; third, the mobile video power, pps in client users up to 150 million. Archie founder, CEO Gong so appraised the acquisition.

The intention of this acquisition is in fact very obvious, video mobile end will be a very important mobile traffic entrance, Baidu took off, put the control of an important flow of the entrance.

2, acquisition of 91 wireless

July, Baidu in cash form to net Dragon Company (shareholding 91 wireless 57.4%) and other shareholders to acquire 91 wireless 100% equity. According to the memorandum of understanding signed by both parties July 15, the total amount of mergers and acquisitions is about USD 1.9 billion, as 91 wireless is a conditional dividend for shareholders holding $52.06 million worth of special shares, the total amount of the actual acquisition is 1.85 billion dollars.

July 2013 data show that domestic users through Baidu and 91 wireless platform to download the total number of applications up to 69 million, and most of the downloads from mobile devices. Baidu's acquisition of 91 Wireless will greatly consolidate its position as a mobile internet portal. Baidu search flow will not only import 91 wireless, at the same time, Baidu has a number of applications to import the platform, a comprehensive layout based on search and the application of the composite entrance store.

3, 200 million yuan registered to set up a small loan company

Baidu Company today said it has received a small loan license, small loan companies are preparing. Baidu said that Baidu has been through the promotion of services to help the growth of small and medium-sized enterprises, the establishment of a microfinance company in Shanghai, registered capital of 200 million yuan, do not exclude the possibility of subsequent increase in funding. It is understood that Baidu in the second quarter of this year to the Shanghai local Financial Supervision Department to set up a small loan company application, has already obtained the loan business qualification; Baidu is actively preparing the process of small loans, its clients will give priority to Baidu to promote the existing old customers, focus on supporting small micro-enterprises.

So far, Baidu completes its internet finance preliminary layout.

Alibaba

1, mergers and acquisitions Sina Weibo

April 29, 2013, Alibaba and Sina Weibo announced the conclusion of a strategic cooperation agreement. Alibaba, through its wholly-owned subsidiary, bought shares and common shares issued by Sina Weibo for 586 million dollars, accounting for about 18% of the company's total dilution. At the same time, Sina has granted Alibaba an option to allow Alibaba to raise its share of the total dilution of its microblog company to 30% per cent in the future, in accordance with the agreed pricing method.

2, a stake in the map of the German

May 10, 2013, Taobao 10 anniversary of the day, Alibaba and gold both announced that Alibaba to 294 million U.S. dollar stake in the German. The acquisition of Gould, is Alibaba layout o2o important move, or will be through a large number of location information and data with their own businesses to promote the further development of O2O; this also makes sense for rookie networks, which will make novices smarter; In addition, map applications will be an important gateway for future mobile internet traffic, For the Internet financial layout, the meaning of mobile traffic entrance is very important.

3, the introduction of balance treasure

Following the early Ali small loan, the balance treasure is an important drop of the Internet financial layout of Alibaba Group. June 13, 2013, Ali group Alipay launched the "Balance Treasure", the user in the Alipay site can directly purchase money funds and other financial products and gain income. In addition to purchasing financial products, "balance treasure" in the funds can still be used for online shopping, transfer and payment. Balance Treasure is Ma Yun "aggravating financial" an effective weapon, launched soon, Alibaba Iron strike, will be on the mobile end of the line, binding users of consumer and financial behavior.

4. Cooperate with Minsheng Bank

Minsheng Bank recently announced its cooperation with Alibaba. In fact, before the Minsheng Bank, Alibaba and at least eight large and medium-sized banks signed a strategic cooperation agreement. In the eyes of Minsheng Bank, these cooperation mainly based on specific business, and too much focus on the operational level, people's livelihood has expanded the field of cooperation. "The cooperation agreement between the two sides is not limited to financing, but also focus on the future distribution of large retail strategy." ”

September 16 Minsheng Bank announced eight cooperation agreements with Alibaba, including funds clearing and settlement, credit card business, credit payment business, financial business cooperation, direct banking, credit voucher business, Internet Terminal Finance, it technology and so on.

The Bank of Minsheng, which is partnering with Alibaba, is seen as the most striking of the eight. A joint credit card will also be launched. Ali has been in cooperation with other banks to issue similar credit cards, the difference is that the credit card is different, the second is based on large data analysis of customer behavior, the joint establishment of risk control model, identify customer behavior and risk; third, can buy Ali box and other installment functions.

Tencent

1. Micro-letter

Zhou once half is ridicule half is to sigh to say: "Tencent a shot, know there is no." "Tencent's introduction of micro-letter, almost firmly occupy the position of mobile traffic, micro-letter with its strong traffic support and social attributes, as a mobile social app king. Let Sina microblogging, telecom operators and so on. Micro-letter 5.0 launched after the launch of the micro-credit payment function, but also increased the micro-letter of the financial attributes, and the current increasingly strong concept of mobile power together, micro-letter to become a mobile operator of the big platform can almost be said to be around the corner.

2. Launch the Hand tour platform

July 3, 2013 Tencent in Beijing to hold a partner conference, the official release of Tencent's new mobile gaming platform, Tencent will include micro-letter, Mobile QQ, mobile phone QQ game Hall, Mobile QQ space, the application of treasure, such as the various mobile platform resources are integrated. Among them, there are 300 million users of the micro-trust platform is the focus of the new platform.

Tencent's move is brilliant, a joint run through the entire product line of its own, not only to consolidate the micro-letter as a mobile access to the status of the import and export to lock the profit point, but also good to maintain the micro-letter social attributes.

3. Submit a Bank Application

Recently, a number of media reports Tencent holding application for the establishment of private banks, and the Guangdong government approved, has reported to the CBRC. Previous media reports said that 3 companies in the Guangdong region are applying for private banks, namely, Tencent Holdings in Shenzhen, the Xiangjiang group in Guangzhou and the Sino-German industrial park in Jieyang. Under the influence of the news, the morning of September 16, Tencent stock market value exceeded the billion dollar mark, become China's first market capitalisation more than hundreds of billions of dollars of internet companies. In response to the news, Tencent officials said Tencent

Only one side of the joint venture investment body that applies for the establishment of private banks is not the dominant party. Whether or not the dominant side, Tencent take the opportunity to cut into the internet finance has been an indisputable fact, with its own huge flow and strong user stickiness, Tencent will be in the Internet financial industry to play a kind of role? It's full of imagination.

Conclusion

Throughout the bat three giants of the Internet financial layout of the war, let people have a sense of race enclosure, three parties are based on their own advantages to proceed, to layout, will further extend the tentacles, you can see, Baidu focus on the search, Tencent focus on social, Ali focus on the electricity quotient. can also see their routines almost the same, first in the mobile Internet traffic to increase the weight on the entrance, when the time is ripe to quickly introduce the advantages of their products tailored to the financial products. It also reflects the importance of mobile portals to internet finance, which has almost become a battleground for future internet warfare.