The internet finance has become the new focus, the enterprise happy enclosure is accelerating

Internet finance has become a new focus, and the enterprises are speeding up the enclosure. Yesterday, after Ali, Tencent, one of the big three Baidu also announced to join the war, will be officially on the line on October 28, "Baidu Financial Center----financial management," and join hands with the fund giant Huaxia Fund, with up to 8% of the target-year rate of return-led, launched the first financial

In yesterday's media communication meeting, Baidu revealed that "hundred hair" plan is a combination of financial planning, it for the vast number of Internet users to provide a package of innovative financial solutions, through product design, channels, risk control, services and other links.

"Channel + Mode" innovation

It is understood that Baidu financial center "hundred plans" will be through channels and model innovation, gather the power of ordinary netizens, and help people get good returns. Among them, Baidu Financial center will innovate a variety of models, such as "Public finance", "Fan finance", "Group buying finance" and so on.

"Public finance" means that Baidu gathers the power of Internet users, communicate with financial institutions, build the best Internet financial products and services, can quickly converge the user small funds and investment wisdom, to achieve higher income targets. The "Fan finance" model combines the specific "fan group" attribute with the innovative products of financial institutions. "Group Buying Finance" mode is the current more mature group buying mode and financial innovation combined.

8%-year rate of return provoked controversy

In many modes, the first product "hundred hair" to "target annual yield of up to 8%" to become the market focus. According to the introduction, the product by the Baidu Financial Center, Huaxia Fund jointly launched, the target of the annual yield of up to 8%, will be limited to sell the way, by China Investment Guarantee Co., Ltd. full guarantee. "Hundred-fat" minimum investment threshold of only 1 yuan, after the sale of support for rapid redemption, immediate mention, to facilitate the inflow and outflow of user funds.

However, the annual return rate of "high-profile" publicity has sparked controversy, that if "hundred" is the fund products, according to the current fund sales management methods, Baidu such a commitment or predict the proceeds of the fund's propaganda behavior is likely to be suspected of violating the law.

In this respect, Baidu related responsible person in yesterday's media communication meeting pointed out that, first of all, to clarify a concept, hundred is not a product, but an Internet financial model of innovation, is a combination of the form of financial planning; Secondly, "capital preservation insurance proceeds" does not conform to the regulations of the regulatory bodies, but also contrary to the development of financial products law, But Baidu will choose to have the Internet innovation Consciousness partner, chooses the product which is suitable for the user customization, it has the confidence and strives to achieve the income anticipation.