The reverse of the Internet company

Absrtact: In 2012, the Internet financial turmoil hit strongly. Mobile payment replaces traditional payment, everyone loan replaces traditional deposit and loan, public financing replaces traditional securities business a new pattern of future finance is gradually forming with the development and expansion of internet finance. May be

The Internet financial turmoil hit strongly in 2012.

Mobile payment replaces traditional payment, everyone lends instead of traditional deposit and loan, and public financing replaces traditional securities business. A new pattern of future finance is gradually forming with the development of internet finance.

"There may be a third type of financial financing model which is different from the indirect financing of commercial banks and the direct financing of capital market, which is called ' Internet financial Model '." Xie, deputy general manager of CIC, pointed out in a speech to the China Financial 40-person forum.

The reverse of the Internet company

Relying on cloud computing, social networks, search engines and other information technology, Third-party payments, everyone loan company, as well as Ali small loans, Tencent Tenpay and many other Internet companies rise rapidly, and in banks, brokerages and other traditional financial institutions in the territory of "Gongchenglvede".

Today's internet companies are no longer just technical support and assistive tools for financial institutions, which leverage more financial services by exploiting the depth of Internet data and gradually build a business model different from traditional financial institutions.

At the end of June 2012, with the announcement of the fourth instalment, a total of 196 third party payment enterprises nationwide received the "license" issued by the central bank, which covers the issue and acceptance of prepaid cards, bank card receipts, internet payments, digital television payments and mobile phone payments.

After several years of development, the Third-party payment company is no longer simply to provide gateway services, the accumulation of information and data from the payment business has become their most important resources.

Today, the tentacles of third-party payments companies have expanded into more financial business. At the beginning of May this year, Alipay, Tenpay, and fast money three payment companies were formally awarded the third party payment licences issued by the SFC. In addition to third-party payment companies, Tencent, Alibaba and other Internet "predators" in 2012 to fully enter the financial industry.

This August, Ali Finance's credit products for the general membership of Alibaba Open. Members do not have to submit any security, mortgage, only by virtue of the enterprise's credit qualification can be, the user 24 hours with the loan. As of the beginning of December, Ali Financial Cumulative service small micro-enterprises have more than 200,000.

Tencent also announced in September its Third-party payment company-Tenpay will open Tencent's core business, including with micro-letter cooperation to expand the O2O market.

The change of Commercial bank

Financial institutions such as commercial banks will certainly not sit idly by, facing the powerful reverse of internet companies. In order to maintain their traditional position in the financial field, these institutional bosses are also actively changing. Unlike previous online banking as a marketing channel, banks have also begun to pay more attention to the characteristics of Internet finance, including customer experience, interactive performance and so on. At the same time, banks began to integrate the Internet technology with the core business of banks more deeply.

July 10, the construction bank announced its "good business" online, it includes "Enterprise Mall" and "personal mall" two platforms, and with "Mall account" payment tool. In addition, CCB also gradually put other financial services and non-financial services to the platform to load, in order to form a four-body platform system.

Ding, vice president of the Bank of merchants, said to our correspondent that the fundamental purpose of the banks to do electricity is to stabilize customers, bonding customers and service customers. In the development of electric business, but also to maintain the core advantages of the bank, which is the traditional electronic business and the purpose of pure profit is different.

The growth of internet finance is inseparable from the development of mobile payment, and commercial banks have already started in this field "Happy enclosure". This year, the CMB, Pudong, ABC, CCB has taken the lead in action, has announced their respective mobile payment in the area of strategic planning and the latest products. For example, CCB and UnionPay launched the silver Joint machine to pay, AgBank and UnionPay, China Telecom's "palm wallet", as well as with HTC launched by the Chinese merchants Bank "mobile wallet" NFC mobile phone applications.