What is the financial internet and Internet finance?

See the latest news:

1, the financial vertical search platform "Rong 360" announced today has completed the B-round financing of 30 million U.S. dollars.

Rong 360 is a commitment to provide professional financing loan search services start-up companies, founded in October 2011 in Beijing, in Tianjin, Shanghai and Shenzhen, with regional centers. Its business is mainly to provide users with a variety of banking and financial institutions to search for loans, comparison and referral services, individuals and small and medium-sized enterprises with loan needs only need to land 360 websites and mobile applications, according to the loan amount, age, income and other related information, can be targeted to select the appropriate loan products, and directly to the financial institutions to apply for loans.

2, focused on the Internet financial Information services, snowball Finance and Morningside Capital, Sequoia China funds signed investment contracts, to obtain B round 10 million U.S. dollars investment, the I stock company successfully transformation fund.

3, Ali's June 13 online balance treasure Only one months time, the asset scale of more than 10 billion yuan, the number of customers more than 4 million users.

Seemingly unrelated to several cases of financing and enterprise restructuring, but reflects the recent internet finance and financial industry has been more and more internet companies and investment institutions are concerned about, but also reflects the traditional financial industry business urgent need to reform the urgency, Internet companies have taken part in and eroded the business of the traditional financial industry from all angles, and internet finance is coming towards us.

Facts Show: When the Fund and other financial products are not familiar with the public business, now through the Internet is accepted and understood by the public, and consumption, balance treasure has proved: the Internet is a financial reform.

Balance treasure will become Ali next to subvert the traditional market weapon

When you see this headline, a lot of people are sure to ask, what is the last tool to subvert the traditional market? There is no doubt that in Ali, E-commerce is well-deserved. The current electric business has reached the bottom of the all-pervasive, all walks of life have been passive or active input to the "Industrial Revolution".

Next, we talk about balance treasure.

Ali Financial beauty Its name Yue: "Balance treasure, will make money Alipay", the meaning, you may not understand the balance treasure, but you know Alipay, yes, you pay treasure balance used to buy fund products, you can make money.

Balance Treasure Partner-Tianhong fund is very frank and concise description of the essence of the balance treasure: In order to meet the needs of the network to buy people convenient payment and value-added, Tianhong fund for Alipay customers tailored a focus on the network to pay the money fund-tianhong Money fund.

Balance Treasure essence is a traditional money fund, its innovation is the Channel innovation, Alipay is the accumulation of many years of customer resources to receive the benefit of the treasure. In fact, T 0 has long been implemented, similar to the balance of the Money fund functions in the traditional market, so in the function of the goods, relative to this type of T 0 goods base, balance treasure in the product features and innovation and not much special place.

Here, not to repeat the benefits of Ali and Tianhong distribution issues, as well as the actual operation of the balance treasure details.

Some people say that "balance treasure" is a typical cock-silk reverse attack, the traditional financial industry is not willing to disdain the cock silk customers to the door of financial management, accounting for 80% of the Society's "cock silk crowd" of money and accounting for 20% of the financial market, if the balance treasure can go to affect and generate transactions, then the product itself is successful, And the balance treasure also for the entire traditional fund industry to do a free investor education.

Some people in the traditional financial industry boast that the balance treasure without any innovation, do not panic, I would like to ask you, Alipay what innovation? Taobao seems to have no innovation, why still so many people use it? Why are so many businesses and institutions still pouring in? Why is the record of the transaction being refreshed over and over again? Most hated the traditional industry's pampered even numb.

Of course, Alipay's powerful ability to absorb capital has long been a fear of financial institutions. Balance of the aggravating role of the treasure is still in the fermentation, in addition to the Chinese bank has launched with the balance of the treasure competition or "interception" of the nature of the products and strategies, even has been fastidious intensive foreign investment bank, also added to the balance of the competition.

"We have been concerned about the balance of treasure, he represents the innovation and development of the financial Internet for our foreign investment bank also played a role in promoting." Said the director of foreign banking operations.

Balance treasure is bound to stimulate and promote the traditional banking and financial industry innovation; Similarly, Tianhong fund is only Ma Yun Internet finance a stone, the future, the balance treasure will certainly access more funds and institutions to enter, securities and trusts can also have.

The birth of the balance treasure is like the birth of the original Taobao, there will be a lot of shortcomings, Taobao flooded with a lot of fakes, but you will because of the fake and reject him to the entire traditional industry brought about by the impact and subversion it? The current balance treasure also has many weaknesses and deficiencies, the lack of investors necessary education and risk control reminders,

The development of the Times is irreversible, similarly, the subversion of the Internet and innovation continue, whether users or traditional practitioners, need to be educated, when the new things in the direction of irreversible development, the process is not so important, it is important that the Internet shocks the traditional financial industry brings pleasure.