Wise language, a suffice!

Wise language, 醍 醐 irrigation, a sentence is enough!

Hsu Fu Kee deliberately refined 18 Internet Finance Dana wonderful quotations, and here to share with you. I hope to be helpful.

Wudaokou Dean Wu Xiaoling Finance Institute:

Third-party payments return to pay for specialized areas

Third-party payment for sales of financial products has lost its momentum in online sales of traditional financial businesses

Only internet loans and crowdfunding funds will have broad prospects for development. Their financing will not be higher than traditional ones, but the population they serve will have enormous room for expansion.

Through a third-party security company to P2P business more development of the platform, this road is unsustainable

What can support you accurate to extract the deposit reserve it? Is your analysis of customer credit, therefore, this way it also subject to the development of credit reporting.

If our people can do something about the microfinance and equity investments of 1.3 billion people, I think the space is still bigger than the traditional financial attacks.

Minsheng Bank Chairman Dong Wenbiao:

Internet finance enterprises are new enterprises represented by Ma Yun and Ma Huateng, creating a new platform and using a new solution to cultivate some retail markets. In fact, the original commercial banks in China did very poorly in this market, So he made a difference in this market. This has brought a certain impact to the banks. Everyone can say that more, but in fact the impact is not as big as we think. So I said that the challenge to the traditional banks, the challenges to commercial banks, the first is the interest rate liberalization, this will have a great impact, and the other is the financial disintermediation, and finally is the Internet finance, Internet financial companies to create financial methods , The solution poses a challenge to the bank.

Giant Shi Yuzhu network:

I think there are many reasons why Bank of China now has high interest rates, so many money, and so high interest rates. One of the important reasons for this is oversubscribed. For example, there are hundreds of bank regulations that promise not allowed, that is not allowed, such as the bank's funds can not enter the stock market, loans for backward production capacity and so on, it seems every one is good, but not every one is good, such as That there is no reason to suppress the stock market, there are many provisions, these provisions on the surface is good.

I think it is oversight of regulation so that China's interest into such a vicious circle, the money made so much interest rates so high.

Beijing Financial Secretary Huo Xuewen:

I think the core competitiveness of the future financial sector so five, one is the Internet industry, that is to say, the traditional financial industry will be greatly improved after the Internet development. Second, as the Internet is financialized, Internet companies will make major strides in the financial sector and make greater strides in innovative businesses. Third, because of the existence of big data, we can construct a new credit system. Fourth, wind control will be based on cloud-based facilities. Fifth, financial professionals will be further qualified. Internet finance will make the service small and micro into big and micro, where credit is wealth, service is value, the scene is the reality, the data is the asset.

Barry Schneider, chairman of LOYAL 3

LOYAL 3 actually made financial markets more democratizing, but the service actually worked with Goldman Sachs or Morgan Stanley or JPMorgan because it was not a zero-sum game and a co-operative market. The main drivers of our business are tomorrow's technology as well as social media, which is how people are currently communicating, and the technology can scale, and our technology is based on the fact that a thousand new users sign up on an IPO Let them use the service smoothly.

In addition, we need the fastest data processing capabilities, and regulation is in fact a large-scale way of crowdfunding or crowdsourcing.

Xiao Feng, Vice Chairman and Executive Director of Wanxiang Holding Company:

The Internet will not subvert the demand for financial services, it will subvert the financial services agencies. If you can not Internet yourself, you may have to be subverted and eliminated.

The future of financial services, lies in the first is digital finance, the second artificial intelligence, intelligent finance, including we just talked about the Internet payment and settlement agreement, a lot of things open source point-to-point management is no one intervention, this time the more the so-called Smart finance, I think there will be more advanced development in the future.

Ali Microtech Financial Services Group (chips) domestic business group president Fan Zhiming:

Internet finance is inclusive finance, and I personally think that inclusive finance equals low cost and high efficiency. Any industry, if you lower costs, efficiency has improved, the industry will certainly make radical changes.

Jingdong Financial Group Vice President Liu Changhong:

The so-called payment of safety and effectiveness, in fact, is a magical height, height, in this process, the accumulation of large data and past applications can be a good fit into this product which we have been A topic of discussion.

Tian Hong Fund Internet Financial Products Manager Li Jun:

I think the first is where the market pain points may be where the opportunity. Second, we should also be holding a professional attitude, the first is responsible for the law, the existing laws and regulations is the red line, the second is responsible for the interests of customers, the client's interests must be inviolable, as long as the guardian of these two red lines, I believe we all see that the regulatory authorities in China are getting more and more open. It is impossible not to write clearly from the laws of the past, but now it becomes law without the law's prohibition.

Zhang Xing, assistant general manager of China Financial Certification Center:

To build a universal Internet authentication system and credit system. In this regard, due to the Internet financial Internet properties such as Internet loans, P2P, crowdfunding, the root cause of this series of problems is the authenticity of the other party's identity and the trust problem has not been solved.

Ripple Chief Risk Officer Greg Kidd:

One thing we are convinced is that in China, many of the things we want to invest in are business-driven entrepreneurship. In the United States, more investment is the project of technological entrepreneurship, the two are not the same business.

Downing, founder and CEO of Credit Suisse:

At that time, due to insufficient development of science and technology, there was no such possibility, so we could only withdraw from the model of transfer of claims with the second one. Fortunately, through the continuous technological development in the past few years, we can do a point-to-point agreement between lenders and lenders. Such a model already accounts for nearly 50% of the total. Another part is the model introduced through the agency. In the future, it is foreseeable that this kind of promotion of science and technology to model innovation is getting bigger and bigger.

Chen Jian, president of FICO China:

In these hundreds, thousands of small loan companies, internet loan companies and peer-to-peer lending companies, there may eventually only be two types of companies that will grow by time. More than a dozen at most, dozens of companies to take advantage of new technologies, good environment, off the top of the industry leader.

IDF Capital Partners Li Feng:

Assuming that you are lending your debt business, we look at this typical asset class business. In the medium term, assuming you are a company, your core competence is wind control, or real meaning On the financial itself is the ability of the Internet and other access to the user is a front-end approach, means or change. If we put the risk control in place, 60% of our counter-fraud, risk control and anti-fraud are based on empirical models and 40% are caused by the structural adjustment of the algorithm. This is the team we look at genes.

Sequoia Capital China Fund Partners Zhou 逵:

With such a development of the Internet and group awareness, especially the development of e-commerce, a lot of asset pricing, risk allocation, pricing gradually formed, we Sequoia cast a dozen other companies in another trend today in the leading There are a lot of e-commerce companies that we invest in. This helps us to understand the development of this market. In fact, this development of e-commerce can greatly promote the development of Internet finance.

In this one we invest step by step, I look at the entire financial services as an electricity supplier, in fact, it has numerous opportunities in the infrastructure, channel efficiency and business transactions itself.

Yi Bao pay CEO Tang Bin:

Today's era of its influence far greater than the geographical influence, and a decade ago is far more than the influence of the influence of the times, and now the universal value is to create a core value for customers. So, focus on customers

I love card CEO Tu Zhiyun:

From the product design, from risk management, from channels to the personal credit industry I am engaged in, there are 20 to 30 years difference with the United States, so China can be sure that in the next 10 years we will definitely go the United States in the past two or three decades, but will not Take the old path of the United States and use Internet thinking and mobile Internet thinking. At the same time, we should apply the latest technologies such as big data and cloud computing to solve China's problems according to local conditions and at the same time, skip the United States to develop some processes such as credit card industry in the United States As a personal credit business, it has always been based on marketing for a long time. The United States has not changed for 30 years. China does not. China simply Internet and mobile Internet. FICO model basically unchanged for 30 years, kept optimizing, China is not, China may FICO mode too late to develop, it will add a lot of new elements.

Hong Tak Hong Kong partner Chen Yu:

I now see that there are two kinds of Internet models in the future. One is that the Internet is the core. It uses finance as a tool and means to optimize the Internet. However, it has virtually done a financial thing, just as Yuen Po is not financial, but It virtually put this thing to do, like WeChat payment, it does not necessarily take this as the core, but it did it. Therefore, the original financial institutions are very uncomfortable because they are amateurs and they have done so much for financial institutions to spend a lot of money.

Another type of Internet finance is that it uses the Internet as a tool to optimize finance.