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 company Wealth management products-Such as Yu Ebao,Noun

3、：Grass-roots economic,Means with the mainstream and elite culture or elite the weakness of the corresponding class Simply 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

4、 Internet 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 I

5、nternet even 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,

6、With smart phones 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

7、sand ,but this bowl 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 Octob

8、er 28, 2013 , Baidu financial 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 fi

9、nancial from the traditional to the 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

10、 traditional financial industry seems to 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 t

11、he financial industry is the concept, technology 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 comprehens

12、ive baidu, on the basis of existing resources, equal 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 large

13、st Chinese search engine baidu launched a financial plan, 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

14、liquidity . The most bright spot is expected annual yields as high 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 in

15、vestment guarantee co., LTD guarantees all the way, the minimum investment 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 inves

16、tment threshold 1 yuan. 2, limited release; 3, after sales support redemptive, instant 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 inn

17、ovation, will be conducive to the traditional financial sector reform and innovation, 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

18、 bank does not change, we change the bank .,Internet financial strategic layout,Third-party payment - alipay Small loan companies -zhe jiangAli Small loan company and chong qingAli Small loan company Guarantee company -chong qingshangcheng Guarantee company Holding assets management companies -Tianh

19、ong Fund company,Ali with large data analysis to complete the loan For example, Ali small micro lending 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 Eb

20、ao,Some people say that before Yu Ebao bank is lying to earn money , now need to stand to earn money . By the end 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

21、 Internet is the first to provide services for fund sales institutions, to carry out the business of third-party e-commerce 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

22、Banks Time step in advance: big financial position,The declaration of ali,Alibaba use big data to management risk, from this 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.

23、 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 point of a fire,Ma Huateng, English name Pony, Cantonese, graduated from the computer department of Shenzhen University. Chinese entrepreneurs, one of the representativ

24、e figures, Guangdong Shenzhen Tencent Inc chairman of the board and chief executive officer. Over the years the list of Hurun and Forbes China rich list, in 2013 to 62000000000 yuan in the Hurun Report third, 62200000000 yuan to Forbes China rich list ranked fifth.,Ma Huateng is very taboo to burn t

25、he way. He thinks, slowly groping to gradually effect, can control the cost; and if spending too much in the short term can not see 6the results, there will be pressure on the capital market, will be bad account. The long run, the logic is the same. Ma Huateng insists to doeasy to see the effect of

26、things, in enterprise development hope is stable, long-term and healthy growth, not necessarily at too high, slowly.,We go back and have a look Tencents mission - to improve the quality of life through the Internet service. It is also explained in detail: the sentence products and services like wate

27、r and electricityeverfount into peoples lives, to bring convenience and pleasure for people. In simple terms is: whatcan let you cool, I do. Derived from this mission Tencent products, including social networks, onlinegame, content and electric.,Since the first quarter of 2012, due to the completion

28、 of the Yi Xun after holdings invested 500000000 yuan to promote, Tencent e-commerce accounted for the proportion of income jumped from 8% to2013 second quarter of 15%, but the business profit rate is very low. In 2012, Tencents transactioncosts by up to 4200000000, accounting for 94.7% of the total

29、 income of the business. That is to sayelectric business each earned 1 dollars, Tencent will pay 5 of the cost of 9. Internet and value-addedservice costs accounted for only 33.1% of its income. Which is more important, the pony elder brotherknew. Therefore, do not become Tencent electric business f

30、ocus on Internet financial 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 company. Why is Internet companies are choo

31、sing 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 deposits and other low-risk securit

32、ies varieties. Among various kinds of funds monetary fund risk lowest,The second:Strong liquidity Monetary 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 yield Most of the money funds general

33、ly 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 limited to monetary fu

34、nd and will involve higher risk funds. Even will be involved in the credit, consumption, Banks. Brokerage etc many fields.,The effects of network finance,One, the Internet is changing the traditional business model Modern information technology based on the Internet technology is the acquisition,tra

35、nsmission, processing, storage, call and comprehensive application of research and development of information technology, the main characteristics of digitization,networking, intelligent and strong information processing capability.,Century 80s information technology after the three reforms, the fir

36、st PC machine technology innovation nineteen eighties, solve the data processingproblem; thesecod is the nineteenninties innovation of Internet technology, solves the problemof information exchange and improve the communicationefficiency; the third time was in twenty-first Century, the cloud computi

37、ngtechnology innovation, changeprocessing ways of storing data, realize the sharing of resources.,Two, the Internet will have a subversive influence on traditional financial institutions The Internet has penetrated into the financial financial sub areas, including banking, insurance, funds and securities company, the most rapid development 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 mo