The Internet financial supremacy

February 22, Alipay internal Mail said, Alipay is divided into the following four business groups : sharing platform Business group, Financial Enterprise Group, domestic business group, International Business Enterprise Group. There has been "female second" CPO Pengley overall responsibility for four business groups composed of financial services.

In fact, the Internet companies in the financial business in the past, most of the time is shy, not directly involved in finance, but playing for the Internet Business Service banner. But now that the Internet is growing so fast, some giants are already not wedded to the simple internet industry chain, and are targeting finance. To Zhejiang Alibaba Electronic Commerce Co., Ltd., Ma Yun, Shenzhen Tencent Computer System Co., Ltd. Horse, China Ping An Insurance (Group) Co., Ltd. of the Maming people co-founded the Public Security online property insurance company, in short, "Three horse selling insurance", the internet finance to the attention of the water.

Ma Yun's network of financial empire Dream: The next 5 years to bid their own bank Zhou Strong support

First with the Internet financial hanging above the Alibaba, its Alipay opened thousands of nets to buy people's dream.

Now we have a rough sketch of Ma's Web Empire.

February 22 Alipay Internal Mail announced, Alipay split into a shared platform business group, Financial Enterprise Group, domestic business group, the International Business group of the four major enterprises. Known as the "female second" CPO Pengley overall responsibility for four business groups composed of financial services. Jack Ma, chairman of Alibaba Group, said at the 2012 Internet business conference that Alibaba Group would be divided into three major businesses: platform, finance and data, while finance was the second step in the company's development.

"Not because we want to make more money, but because we feel that in this era, we need to use the Internet and the technology of the Internet to support the future of the entire social financial system." "From the trading platform to the payment platform to the financial platform, the construction of a strong network of financial empires is Ma has always dreamed of."

January 10 Jack Ma's internal Mail said further confirmation of Ma Yun to achieve the financial empire dream ambition: He hopes to create a continuous situation, so that each of his pieces into a chessboard, and constantly cycle down. Ali Finance is one of the most important.

Ali senior revealed that this year, Ma Yun to set up 7 financial centers nationwide, small loans will gradually exit to the guarantee industry expansion, but also said "in the next 5 years to bid their own banks."

In retrospect, Ma's financial dream lasted for years.

June 2007, Alibaba formally with China Construction Bank, ICBC in the area of SME financing strategic cooperation, named "Ali loans." Three years later, Zhejiang Alibaba Micro-Loan Co., Ltd. was formally established, registered capital of 600 million yuan, to become the country's first e-commerce field of microfinance companies. After that, Ma Yun went to Chongqing to set up a second Ali small loan.

According to public information, in the first half of 2012, Ali financial lending only 13 billion yuan, composed of 1.7 million pens. This calculation, Ali small loans daily average of nearly million pens, the average loan is only 7000 yuan. It is reported that, on July 20, 2012, Ali Financial has achieved a single day interest income of 1 million, and last year, Ali small loans non-performing rate has always been under the control of 1%. Because of this, Ali small loan by the industry as "the most profitable small loan company."

At the end of 2012, Ma Yun had wanted to Ali small loans to the third company in Guangzhou, and to the local financial office to request the province to operate, but there is no progress in the plan. Because if Ali small loan breakthrough access to Guangdong Province, will direct impact on the local financial office of the existing restrictions on the operation of the Regulations, as well as the current local small loan industry and guarantee industry a fair competitive environment. Guangdong Small Credit Circle is worried about the small loan giants will bring the existing market impact, have shouted "Wolf".

Because everywhere touches the red line, therefore Ali seeks the transformation the road, will finance the guarantee company to turn its main direction. Compared with Ali small loans, the guarantee company has no regional policy restrictions. 2013, Ali Financial services will be from the original small loan business, extended to guarantee, insurance and other business.

Guarantee business, at the end of last year, confirmed by Zhongqing, Ma Yun in Zhongqing joint venture to set up a "business prudential" financing Guarantee Limited. But it has not yet made a formal appearance. A person familiar with the matter said that Ali guarantee company landed in Guangzhou has also been mentioned on the agenda.

The insurance business aspect, then by "Three horses" (Alibaba, China Ping An, Tencent three company's head Ma Yun, MA, horse horse) to create "the public Security insurance Company" undertakes.

In addition, Alibaba Group's commercial factoring company Shangcheng (Shanghai) has received the factoring licence at the end of last year. Based on the docking of payment data, Shangcheng (Shanghai) can provide business factoring service for enterprises according to the data of cash flow, inventory and order of small micro-enterprises.

March 1 This year, Ali financial related person Tong said, "Ali Finance will be the fastest online credit payment function in April." "This bodes well for another vein in Ali's financial system--the virtual credit card, which is also Ali's first consumer financial product, which is considered by insiders to be a" profitable prospect that will exceed Ali's small loan. "

Tong said that the credit payment is not a Alipay or Taobao products, but Ali finance for Alibaba under the launch of the seller Ali small loans, specifically for Taobao buyers launched credit products. In addition, Ali small loan business expansion, Ali Financial has covered buyers and sellers.

Ma Yun once said, "if the bank does not change, we will change the bank." "So what about Ali's relationship with the bank?" after verification, Alibaba and China Construction Bank had a honeymoon period, but eventually "break up." Banks disclosed that in the late cooperation, Ali is not satisfied with only for the bank to provide corporate information, hoping to collect 2% of the loan funds as a fee. The move was rejected by the bank and eventually ended with a breakup.

But Ali's financial model was supported by central bank governor Zhou Xiaochuan. He said the central bank should give its support to the current exploration of internet finance. Mr Zhou believes that competition will improve the development of traditional industries, adapt them to new situations and have a strong incentive to keep abreast of the times and the pace of technology. Through this competition, the end result is competition will bring better products and better service.

Ma's next goal: to apply for a financial licence to receive financial talent fund supermarkets quietly online

Compared with Ma Yun, Tencent's Internet financial map is just a little bit more obvious.

February 18, by Alibaba's Ma Yun, China Ping ' an MA, Tencent's Ma-Teng set up by the Public Security online property insurance company has obtained the approval of the CIRC, into the formal preparation period.

The leading side of the public security online is Alibaba, the shareholding ratio is 19.9%, is the largest single shareholder, China Ping An, Tencent, respectively, 15% and listed as the second largest shareholder. The remaining six small and medium-sized shareholders are: Ctrip, excellent company Holdings, Japan News Network Technology, Japan News Internet, Gadesin investment, far strong investment.

At this point, Ma's financial ambitions are evident.

A long time ago, Tencent launched the Tenpay, Tencent is the founder of the online payment platform. It and Pat NET, Tencent QQ has very good fusion, calculate by turnover, Tenpay ranked second, share is 20%, second only Alibaba company's Alipay. With the help of Tenpay, Ma Teng has mastered the payment licence.

Tencent insiders and brokers from an informal conversation recently learned that Tencent is preparing to cooperate with various financial institutions, with a view to the future distribution of various financial products, and the current Tencent Network financing channel Fund supermarket has been online.

During the two sessions, the Chairman and chief executive of Tencent's board of directors said he was considering applying for the relevant financial licence. It can be seen that "pony brother" to finance this piece of fat is also coveted for a long time.

Although the financial licence has not yet been won, many departments and subsidiaries have begun to move, as Tencent is very bullish on the financial outlook for the Internet. Taking Tencent as an example, its subsidiaries are actively soliciting financial product operators in order to gain opportunities for resource integration in online financial markets. Because the license has not yet been obtained, Tencent's current fund distribution is mainly in cooperation with the third party financial institutions.

Some large brokerage marketing department managers hope to reach a cooperation with Tencent. However, Tencent insiders said, "financial institutions, only the bank's online sales backstage support is in place, the brokerage is not a backstage, so very much hope to cooperate with us." ”

Tencent private to the "securities daily" revealed that the current hope and Tencent to cooperate with several brokerages, the company is difficult to choose which home as the first promotion.

Liu's Financial trilogy: acquiring online banking to release supply chain financial services to form a financial company

Compared with Ma Yun's Internet financial strategy, Liu's every step is particularly forceful.

2011, Jingdong Mall announced the suspension and Alipay cooperation, and UnionPay to jointly develop payment tools, but did not have a good promotion effect. Last October, Beijing City Bureau of Industry and Commerce website shows that Jingdong Mall has completed the domestic electronic payment provider Net Silver online acquisition. Through the acquisition, Jingdong Mall to obtain online silver in the hands of the "Third-party Payment license", which means that has been the layout of independent logistics Warehousing Jingdong Mall began to layout their own independent payment system.

This is the first song of the Liu Financial trilogy.

November 22, 2012 Jingdong Mall will reach strategic cooperation with the Bank of China, the two sides will realize from the capital business to the payment business, from the traditional business to innovative business, from financing business to investment business from a full range of multi-angle coverage.

November 27, 2012 Beijing-East officially released its first financial services products-supply chain financial services system, and with the Bank of China, Beijing Branch signed a strategic agreement, the latter pledged to the BoE a hundreds of millions of yuan credit line to provide the supplier with loan support.

The so-called "supply chain financial services", namely, to suppliers, manufacturers, distributors, retailers, end users to provide financial services. The upstream suppliers, including accounts receivable financing, order financing, commissioned loan financing, collaborative investment, trust programs. According to the Beijing-East disclosure, this has won more than 5 billion credit, involving the Bank of China, CCB, Bank of Communications, ICBC, Merchants Bank, Huaxia Bank and other financial institutions.

And Jingdong played a similar role in the intermediary: the supplier to the Beijing east to apply for financing, through its approval to the bank, and then the bank to lend. The supplier may through the Jingdong Mall order, the warehousing list and so on by the Beijing East Audit, obtains the bank financing, the future will extend from the upstream supplier to the consumer side.

So, is the cooperation between Jingdong and the bank a double win? An Jingdong insider pointed out: "We give banks such a good customer, how can the bank not to the Beijing-East split?" However, he declined to disclose the details.

This is the second song of the Liu Financial trilogy.

Liu in Shanghai "two sessions" during the proposal submitted by the suggestion: Shanghai should take the first trial policy, using information, platform-backed credit system, according to the transaction data to provide loan financing services to enterprises to carry out the Internet financial business model exploration. "If possible, Jingdong Mall's financial company headquarters will be located in Shanghai." ”

Liu recently stressed that jingdong in the data field, the financial field spawned a large number of new business, all can represent the future development direction of the electric business, Jingdong will form Jingdong Mall financial company.

This is the third song of the Liu Financial trilogy.

Previously, Liu said, Jingdong Mall in the next three directions: one is the self-employed, the second is open service, the third is finance, and Ma Yun also published in public "platform, finance, data" three Alibaba direction. It also bodes ill for the financial sector between Jingdong and Ali, and both are busy speeding up the pace of IPOs, perhaps fighting even louder.

Peer-to-peer industry has sprung up a smooth loan network Shi Jun forecast will be integrated next year

On the one hand, the internet giants busy in the financial field, on the other hand, the rise of "epigenetic" can be a daunting feeling. Peer-to-peer is a beginning of the industry, but also a promising chaoyang industry. Because of the lower entry threshold, Peer-to-peer industry in the last year showed an explosion-like development trend, all the industry surprised.

Last year low, Alipay announced the suspension of Peer-to-peer cooperation, "Alipay compliance department has recently decided to all the Peer-to-peer funds flow cooperation to do some adjustment, has expired and will not expire the cooperation agreement is no longer renewed, and no longer new signing." "December 17, Alipay, a product director, said to the media. In the Tencent side, but also want to gama a piece: To create a racket loan, quite near the Peer-to-peer field.

However, with the peer-to-peer industry striding forward, due to the lack of self-discipline and the absence of his law, but the booming emerging industries in the performance of the mixed, good and bad, the potential risk.

December 2012, following 6 months ago, the founder of the Gold Rush in the platform after a week on the line with millions of people run, another network loan platform in the online 4 months after the more than 20 million run, once again the Peer-to-peer network lending industry chaos and regulatory loopholes exposed in the eyes of the public. In March this year, everyone was barred from issuing financial plans in Wenzhou, although Yang Yifu, the founding partner of everyone, said that there was no such thing as a ban in the research phase. But a gust of wind blew up in the industry.

During the two sessions, the CPPCC committee member, Shevi, deputy general manager of the Bank Schroeder Fund, submitted the proposal on standardizing the development of internet finance, pointing to the problems such as the lag of legislation and the inadequate supervision of internet finance, such as the Internet lending platform, and suggested that the new situation of financial development should be combined Speeding up the construction of Internet finance related laws and regulations system. Thus, peer-to-peer industry has become the focus of attention.

In this respect, the investment community interview to Chang-Net CEO Shi Jun, he to the CPPCC members of the practice to agree, "if the legislation is really implemented, peer-to-peer industry will be rapid development, ushered in the well collapse." If the peer-to-peer industry is regulated, then a systematic error will be avoided, and this industry will have a very big boost. ”

"In fact, can cause the situation of frequent escape, a big reason is because most of the peer-to-peer industry did not do clearing separation, and the industry 99% of operators have not done clearing separation." "Shi Jun said. "If the money is in the user's own hands, just through the platform for information matching, matching the success of the money to the people who need money, the whole process if the Peer-to-peer platform is not in contact with the money is not illegal fund-raising." ”

Shi Jun to the investment sector, now peer-to-peer industry has spontaneously started to implement self-discipline Convention, the first group signed the 34 companies. "Self-discipline convention is a good measure to standardize the healthy development of Peer-to-peer," Shi Jun said, noting that he has applied to the Shanghai Financial Information Service Licence. "At present, only 6 of Shanghai have access to this financial Information Service licence, of which 4 are peer-to-peer industries." ”

Although peer-to-peer industry frequently "illegal fund-raising" "volume of the Run" phenomenon, but due to the attention of the regulatory level, it will also become the Internet financial field again, become the domain of the Giants scramble to occupy.

Will peer-to-peer operators be able to rob banks of their businesses? Shi Jun explains that the two are not competing for different groups: banks do big business and peer-to-peer do small businesses.

Shi Jun predicts that this year and next year will be the integration year for Peer-to-peer Industries: Regular, capital-backed will survive. It is revealed that the Chang-loan network has also been frequently in contact with capital.

No dispute, this year will be the Internet financial hot year, the supremacy of Hegemony, winner, will be seen later.