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1、Internet Financial,Foreword:I believe that the Internet has changed our life,and the Internet financial will make our life better and better.,What is the Internet financial?,Internet financial is the combination of traditional financial industry with the spirit of the Internet in the emerging field.
2、Broadly speaking,with the spirit of the Internet is referred to as Internet banking financial formats.,The classification of Internet financial,Third-party payment-Such as Alipay and Tenpay.Financing products-Such as Zhejiang Ali small loan companyWealth management products-Such as Yu Ebao,Noun：Gras
3、s-roots economic,Means with the mainstream and elite culture or elite the weakness of the corresponding classSimply put,it refers to a large number of people who have a lower income and low level of consumption.What will happen when the grass-roots economy in the Internet?,To our surprise,the Intern
4、et financial again to verify the long tail theory.Many individuals gathered together,will produce a surprising power.For example,only in four months,more than 30,000,000 people are using the Yu Ebao.,The nature of the Internet is equality and open,This means that everyone can access the Internet eve
5、n grass-roots.Recently,there is a popular words online:Wake me up every day is not an alarm clock,nor is ideal,but the Yu Ebao.Internet financial created equal financial opportunities for grass-roots.,With the development of smart phones mobile Internet will enter the explosive growth,With smart pho
6、nes increases,more people will use Alipay、MicroMsg、Mobile banking and so on.This will further promote the development of Internet financial.,Next,I want to tell a story:A bowl,filled with large pieces of stone.Some people ask whether it is full of?For a moment and others into the sand,but this bowl
7、is still not full,and others into the water.If the bank compared to stone,Internet financial is sand and water.,The following we will talk about the Chinese Internet company.Such as BAT.B represents the Baidu.A represents the Alibaba.T represents the Tencent.,BAI FA,On October 28,2013,Baidu financia
8、l center-financial platform is launched,will work with all financial institutions customization with high attractive financial products.Bai Fa is baidu financial center launched the first financial planning,based on the goal of help people get rich,to reduce the financial from the traditional to the
9、 Internet users financial migration threshold.,Background,After the hot balance of treasure,the financial industry,the Internet will soon celebrate new forces,baidu“BAI FA,and has been with tencent micro force of letter and rubbing their hands.Waiting for the traditional financial industry seems to
10、be an unprecedented impact.Subversion become the nowadays and one of the key words of financial is most closely related to the Internet.Many experts in the field of finance,however,represented by baidu Internet enterprise,the influence on the nature of the financial industry is the concept,technolog
11、y and innovation of the channels and other aspects,will promote the traditional financial companies upgrade itself,for the enterprise itself and the vast majority of investors to bring more Internet dividends.,Baidus financial center is the comprehensive baidu,on the basis of existing resources,equa
12、l cooperation with large financial institutions,reshape traditional financial product design,packaging,sales and service each link,to provide users with innovative financial products and services.,Detailed introduction,Bai Fa is the worlds largest Chinese search engine baidu launched a financial pla
13、n,You can simply regard it as a kind of wealth management products.Bai Fa has the attractive features of the product.1 yuan ultra-low investment threshold has the broad audience.Rapid redemption instant cash to give money the most perfect liquidity.The most bright spot is expected annual yields as h
14、igh as 8%as high yield of trust products.Baidu finance center platform first with the huaxia fund launched products Bai Fa,annualized yield up to 8%,making the Internet financial earnings hit a new high.,Advantage,“Bai Fa by China investment guarantee co.,LTD guarantees all the way,the minimum inves
15、tment threshold is only 1 yuan.After-sales support rapid redemptive,instant cash withdrawals,convenient user capital flows in,at the same time,the highest annual rate of return as high as 8%.,Characteristic,1,the lowest investment threshold 1 yuan.2,limited release;3,after sales support redemptive,i
16、nstant cash withdrawals;4,baidus financial center and the huaxia fund cooperation;5,by the China investment guarantee company guarantee.,Meaning,“Bai Fa is the combination of the information network and financial innovation,will be conducive to the traditional financial sector reform and innovation,
17、to provide diversified investment financing channels for the people,convenient people investment,more conducive to the full use of social idle funds,improving the utilization efficiency of social capital.,If the bank does not change,we change the bank.,Internet financial strategic layout,Third-party
18、 payment-alipaySmall loan companies-zhe jiangAli Small loan company and chong qingAli Small loan companyGuarantee company-chong qingshangcheng Guarantee company Holding assets management companies-Tianhong Fund company,Ali with large data analysis to complete the loan For example,Ali small micro len
19、ding data in 2012,total 13 billion loan,consists of 1.7 million loans,average daily to complete ten thousand for loans.This is any traditional financial institutions are hard to imagine.,Yu Ebao,Some people say that before Yu Ebao bank is lying to earn money,now need to stand to earn money.By the en
20、d of September,Yu Ebao accounts more than 16 million,and cumulative purchase of more than 130 billion.,Taobao funds flagship store opening,October 31,taobao permission by the SFC,the Internet is the first to provide services for fund sales institutions,to carry out the business of third-party e-comm
21、erce platform.,Alibaba again next play what pattern?Layout financial,Pending approval step:cloth child fund Working on step:deep penetration finance Trigger speculation step:do Banks Time step in advance:big financial position,The declaration of ali,Alibaba use big data to management risk,from this
22、point of view,ignore asset size,alibaba is better than not bank Low ali financial core the swimmer will focus on the Internet,small and personal consumption three concepts.When we marry celestica fund is first fall in love again.P2P model is very good,if you can find the path,for Internet financial
23、point of a fire,Ma Huateng,English name Pony,Cantonese,graduated from the computer department of Shenzhen University.Chinese entrepreneurs,one of the representative figures,Guangdong Shenzhen Tencent Inc chairman of the board and chief executive officer.Over the years the list of Hurun and Forbes Ch
24、ina rich list,in 2013 to 62000000000 yuan in the Hurun Report third,62200000000 yuan to Forbes China rich list ranked fifth.,Ma Huateng is verytabootoburntheway.He thinks,slowly gropingto gradually effect,cancontrol thecost;and ifspending too muchin theshort termcan not see 6theresults,there will be
25、 pressureon the capital market,will bebad account.The long run,the logicis the same.Ma Huateng insiststo doeasy tosee the effectof things,in enterprise developmenthope isstable,long-termand healthy growth,not necessarilyattoo high,slowly.,Wego back andhave a lookTencents mission-toimprove the qualit
26、y of lifethrough the Internet service.It is alsoexplained in detail:thesentenceproducts and serviceslike waterand electricityeverfountinto peoples lives,to bringconvenience and pleasurefor people.In simple termsis:whatcanlet youcool,I do.Derived fromthis missionTencentproducts,includingsocial networ
27、ks,onlinegame,content andelectric.,Since the first quarter of 2012,due to the completion oftheYi Xunafter holdingsinvested 500000000 yuanto promote,Tencente-commerce accounted forthe proportion of incomejumped from 8%to2013 secondquarter of 15%,butthe businessprofitrate is very low.In 2012,Tencentst
28、ransactioncosts by up to 4200000000,accounting for94.7%of the total income ofthe business.That is to sayelectricbusinesseachearned 1dollars,Tencentwillpay5 of the cost of9.Internet and value-addedservice costsaccounted for only33.1%of its income.Which is more important,the ponyelder brotherknew.Ther
29、efore,do notbecomeTencentelectric businessfocus on Internetfinancial reasons.,Thank you!,Recently,according to the report,Tencent will launched a similar YuEbaoproduct,cooperate with China Asset Management company、E Fund Management company、Guangfa Fund company and China Universal Asset Management co
30、mpany.Why is Internet companies are choosing money funds to enter the Internet financial?,Simple sum up,there are the following points.First:The principal security.Monetary Fund invests primarily in less than one year remaining maturity of government bonds,central bank bills,bonds,repo,interbank dep
31、osits and other low-risk securities varieties.Among various kinds of funds monetary fund risk lowest,The second:Strong liquidityMonetary fund is similar to the convenience of demand deposits,liquidity and demand deposits.Money to account time is short,has realized the T+0,The third:High yieldMost of
32、 the money funds generally has the national debt investment income level.The annual net income of up to 2%to 3%,much higher than bank deposit income level.In addition to low investment costs,dividends tax-free,etc,Internet financial trend in the future,The future of the Internet financial is not lim
33、ited to monetary fund and will involve higher risk funds.Even will be involved in the credit,consumption,Banks.Brokerage etc many fields.,The effects of networkfinance,One,the Internet is changingthe traditional business modelModern information technologybased on the Internet technologyis theacquisi
34、tion,transmission,processing,storage,call andcomprehensive application ofresearch and developmentof informationtechnology,the maincharacteristics of digitization,networking,intelligent andstrong information processing capability.,Century 80sinformation technologyafter thethree reforms,the first PCma
35、chine technologyinnovationnineteen eighties,solve the data processingproblem;thesecodis thenineteennintiesinnovationof Internet technology,solves theproblemofinformationexchangeand improve thecommunicationefficiency;the third time was in twenty-first Century,thecloud computingtechnologyinnovation,ch
36、angeprocessingways of storing data,realize the sharing of resources.,Two,the Internet will have a subversive influence on traditional financial institutionsThe Internet has penetrated into the financial financial sub areas,including banking,insurance,funds and securities company,the most rapid devel
37、opment of online payment,mobile phone bank and P2P financing mode.Mobile phone banking functions from the mobile phone payment extension to the loan and other basic financial services,while the P2P financing model can solve the small and medium-sized enterprise financing problems to a certain extent
38、,is expected to complement the existing banking system.Data and cloud computing,profoundly changed peoples business practices,broadening the market range,the accumulation and analysis of large data is possible,and eventually reduce the transaction expense.Over the past 10 years,subversive impact sim
39、ilar has happened in many fields of books,music,retail,and this kind of subversive changes the next step would be expected to occur in the financial field.,Advantages of the networkcompared to traditionalfinancial,Compared with the traditionalbanking,the Internetbankinghas incomparable advantages,su
40、ch asinvestorsholding amobile phonetoinvestment banking,consumerwith amobile phonecan makeall kinds of consumptionandtransferetc.Today,the Internetbankinghas just started,has obtained therelevant departments of therecognition and support,the traditional bankingandInternet companieshave seen the huge potentialof them,have joined them.In this context,the industry expected,the Internetfinancialstormencreasd.,Thanks For WatchingThe members of our group：Zheng YapengGuo YongdiXie YangyangWang HaoFan YongboYu Xinyao,
