The reflection and lore of the traditional financial giants by the strong internet finance

Since the beginning of the 2013, the Internet finance has become the industry's hottest concept, by the road Kennedy encircle, with the intention to make a famous million, work covered. The traditional financial model is in jeopardy, and even if Alipay encounters a variety of hunts, the new financial trend is unstoppable. Third-party payments, peer-to-peer, public financing, financial network sales, Internet small loans, virtual money, wealth management and other emerging models are the impact and challenge of traditional finance.

Before the crisis, should traditional finance be sitting still? What kind of thinking and layout do they have?

How to integrate the fragmentation of Internet financial information, how to meet the "subversive integration" of internet finance? April 9, the 2014 China Internet Financial Investment conference sponsored by the Qing Ke group will invite a number of traditional financial giants to show the financial leaders of the Internet financial layout and thinking.

Facing the strong impact of internet finance on traditional finance, where is the reflection and lore of traditional financial giants? Let's take a look at some of the ideas and interpretations that were announced before the 2014 China Internet Financial Investment Conference.

UnionPay Electronic Payment Sun War flat: The future will vigorously develop personal financial management services

The general manager of UnionPay Electronic payment service company, Sun Wars, believes that 2013 is the year of Internet finance. There has been an explosion in internet finance this year, where are the opportunities for traditional finance?

Sun War flat that the financial professional background, coupled with Internet technology, such as cloud computing, large data, can be analyzed, build wind control model, applied to Internet finance, is the most competitive mode. "

Referring to the plan for payment of UnionPay's electronic payments, sun-Ping said that "personal financial services is our plan to develop vigorously," UnionPay online brand into the user's view of the time is not long, but in fact, UnionPay Electronic payment (ChinaPay) has been engaged in third-party payment business as early as 10 years ago, Is the first established third-party payment agencies, because has been serving businesses and businesses, not for many individual users know. With the development of the Internet, the individual user groups play an increasingly important role in the spread of corporate brand influence, so the "UnionPay online" came into being with the support of the UnionPay system.

Sun-Ping also said, "The future will be more UnionPay card users into the online customers of UnionPay is our long-term goal, but we can not simply pursue the number of users, but should pay more attention to their own product development and optimization, with good products to attract people, retain people, improve the active degree of registered users. "

Public Security Xu Wei: Virtual credit card project to create domestic credit insurance mobile applications

March 12, the first domestic Internet insurance company Public Security announced that the joint Alipay, Citic Bank issued Citic Taobao to pay credit cards, and Citic Bank, Tencent jointly launched CITIC Bank micro-credit card. Public security insurance will provide a full range of risk protection for the bank by providing personal credit card credit insurance for two internet credit cards, allowing the applicant to obtain the credit limit more quickly.

In this respect, the chief operating Officer Xu Wei said that this is the first commercial credit insurance introduced into the field of bank credit card, for banks, can use a fixed price to lock the uncertainty of credit card defaults to ensure the safety, stability and risk of the control of their business operations. In terms of insurance, public security will take this as a starting point and focus on establishing a credit risk assessment mechanism based on the mobile internet platform. In Xu Wei's view, public safety insurance participates in the fictitious credit card project, initiates the domestic credit insurance mobile Internet Scene application.

Huaxia Fund Lu Xiaono: Huaxia Fund test water Micro-payment to the user's "rigid demand" to start

Huaxia Fund CIO Lu Xiaono said in an interview before, internet finance is more an innovative thinking. He believes that the internet brings us something more in the deep and behind it, this thinking, the first level is the essence of internet finance, finance is not changed, the concept of financing is not change.

January 2014, Huaxia Fund marriage Micro-trust financial management First Test Water "micro-payment." Last October, Huaxia Fund issued a money fund named Huaxia Fund Treasure Fund. According to people familiar with the matter, Wealth Treasure Fund is Huaxia fund for micro-trust platform for the establishment of a special fund, that is, micro-letter Tenpay linked to the money fund.

In this respect, Lu Xiaono said, Huaxia fund does not simply take micro-letter as the fund's sales channels, but with the user's "rigid demand" as the starting point of micro-credit management services, to provide customers with simple, convenient, considerate service as the goal, based on the combination of micro-letter characteristics, adapt to the fast pace of the Internet, the week for the release of new features, Step into the service upgrade. With the help of the mobile Internet, the distance between fund companies and investors has been narrowed, and the slogan "Financial media", which has been shouting for many years, is moving from ideal into reality.

In addition to cooperation with micro-letter, Huaxia fund has been actively in the layout of mobile Internet field. As early as 2011 Huaxia Fund Butler Mobile Client has been launched, and in 2013 continue to launch a money market funds based cash client "current". At present, Huaxia Fund Mobile Client download volume has exceeded 500,000, only 2013 through mobile Client Fund trading volume has exceeded 2 billion. The fund industry is quietly speeding up the layout of the wireless Internet to meet the opportunities and adjustments in the Internet age.

SSE Bai: Bitcoin design goal is to simulate most of the gold attributes

Since the birth of 2009, Bitcoin in the global acceptance of the extent and the scope of trade significantly expanded, prices continue to climb, by many investors sought after. Although the world's largest bitcoin trading network Mt. Gox is closed, but Bitcoin's news continues, from the start of the Bitcoin vault to the creation of a new trading platform for large investment, and we can see that investors are still interested in this borderless currency.

Bai, chief engineer of Shanghai Stock Exchange, said that the goal of Bitcoin was to simulate most of the properties of gold by electronic means and to simulate the properties of a small amount of paper money. The trend of the 2013 Bitcoin and the gold 40-year trend almost coincide, even the Burr looks very much alike.

Bai that bitcoin as a means of payment, can be like a currency, one side to pay the goods, one side to pay Bitcoin, he compared to the currency, as a means of exchange, Bitcoin itself as a commodity can be converted. The outlook for asset pricing is not yet clear, but it may be a means to private-equity markets for non-public companies. Bai that the current Bitcoin many risks still exist, the overall evaluation, technically respectable, business has a reasonable component, policy is negative. On the positive side, successful simulation of the vast majority of gold attributes, and absorption of some of the advantages of paper money, to achieve the design objectives.

In the next few years, internet finance, as a hotspot of the times, will always be at the center of financial turmoil. In the financial industry under the powerful Internet finance, whether the Jedi counterattack or Kuiranbudong, will be in line with the tide of the Times courageously forward.