The next innovation will be the Internet financial products personalized?

Following the internet of financial channels, the next innovation will be the Internet financial products personalized? People in the financial industry have told Tencent that it's too early to say. In the insurance industry, the emergence of personalized product market, may not be in the fund management market replication, Internet personalized financial products are not born in the future.

The so-called personalized products, that is, C2B (user-merchant) in the insurance industry recently ripples. Typical representative of this model: if in the H7N9 more serious, ping An insurance has launched H7N9 special insurance products, only for this disease insured. Pacific Insurance introduced the Food safety responsibility insurance, cancer health insurance and other special products also for the insurance personalized market added new energy.

Former Haishing deputy general manager Zenghaiyan has said, C2B (user-Merchant) has three forms: one is the user gathers the form, two is the personalized custom form, three is the offer form. "Personalized customization of the demand is also the company's profit point, since it is personalized, customers can accept more expensive than other products, which is a profit for the company." ”

However, this model may have to be reconsidered for the financial markets. Although the balance treasure, cash treasure, etc. into the market, but peel off the outside look at the product core, is still money market funds. In order to achieve real customer demand for the design of qualitative financial products, service costs and funding threshold into a stumbling block.

Tencent Science and technology to understand that the current wide use of customized financial areas are in the field of private banking. The private bank mainly helps the client to do the asset management disposition, the Child Growth Trust Fund, the estate safeguard and so on service. Such customers can put forward their own investment in the assets of the industry, profitability, risk, duration, allocation ratio, and private banks to do financial models, leverage, wind control and other product design, and eventually form a custom class of financial products.

According to media reports, in 2012, China's investment assets of more than 10 million yuan in the number of high net worth of more than 700,000, per capita holdings of about 31 million yuan, a total of investment in the production of 22 trillion yuan. While private banking clients are earning about 10 times times as much as banks ' retail businesses, the service system is also relatively expensive, making it impossible for private banks to form a market of scale.

A fund sector to Tencent technology, the tradition of banks, funds, brokerages to customers are divided into a level: key customers and high-end customers, the former assets are generally 301 million, the latter is million yuan. In the bank, if more than 8 million yuan is a higher grade, belong to private banking clients.

"Good service a high handsome, equal to earn n a cock silk money, so cock silk do not enjoy service, especially custom service, buy packaged products on the line, because the cost is put there!" The above fund person is not quick to vomit.

But optimistic about the Internet financial Innovation faction firmly believe that C2B will be the blue ocean of the financial market. "At present, the very low net worth population is very wide, and in fact there is a need for asset appreciation." Only because the traditional financial channels are not suitable for them (income, threshold, risk), so they have no door to finance. "The beneficial network vice President Shang talked about, C2B must pay attention to the investment portfolio, the actual threshold is very high."

Good Credit Network CEO Li Mingshun (Weibo) that c2b in the Internet wealth management market opportunities. "Based on this market, the fund company will have the opportunity to break away from the current traditional financial system, to achieve investors in some projects direct investment, reduce the cost of investors." ”

But the actual bottlenecks are hard to break. On the one hand, the issue of financial products is still subject to policy supervision, on the other hand, because the Internet innovative financial products is a new thing has not experienced a lot of practical proof, the unpredictability of risk will also restrict some consumers in this regard to try courage and confidence.