Internet finance

Heavy messages one by one.

On August 24, at the China Ping An Performance Briefing, Chairman Ma Mingzhe said that he will join hands with Alibaba Chairman Ma Yun and Tencent CEO Ma Huateng to test the Internet finance industry. "Three horses with the same trough" has attracted many ridicules. Did not stop a few days, the end of August, Ali Credit will soon spread to the general membership of Alibaba fully spread news, before the service is only open to paid members in Jiangsu, Zhejiang and Shanghai. This means that small and micro enterprises do not need to submit any guarantees or mortgages, and they can obtain loans through their credit qualifications.

At this point, the Internet companies represented by Alibaba have entered the heartland of financial companies, and the latter, which has always appeared as a tall and handsome image, will naturally not be plundered.

Encroach on financial territory

Ma Yun has never concealed his ambitions. He planned carefully and gradually realized the dream of the huge Ali Empire.

Alipay is the first attack on the financial industry launched by Ma Yun. As of June, the number of Alipay registered users exceeded 700 million, and the daily transaction peaked at 33.69 million, which steadily occupied half of the domestic third-party payment.

Alipay has deposited a huge amount of money every day. Today, when cash is king, it is a chicken that can produce golden eggs. This model is less of a wand than a loan. The loan interest collected by Alibaba every day is enough to explain everything. Recently, Alibaba announced that the single-day interest income exceeded 1 million yuan. According to the daily rate of 0.05%, Alibaba's average daily credit is 2 billion yuan. Alibaba obtained a microcredit license in April 2010. In just over two years, Alibaba has issued more than 26 billion yuan in loans to 129,000 small and micro enterprises.

Not only the loan, Alibaba also saw another profitable business - selling insurance. As a result, Ping An and Alibaba hit it off, taking what they needed - Alibaba provided the customer resources that were envied and hated, and Ping An contributed its experience and voice in the field.

Taking into account the fierce competition between Alibaba and Tencent in many segments, why this time pulling Ma Huateng is puzzling. A reasonable explanation is that Ma Huateng too would like to take a drink in the financial field, although he has been playing the ball before: in June, Tencent to launch financial information products news let Flush, great wisdom, Eastern Fortune and other companies surprised A cold sweat; at the end of July, Tencent’s shareholding in Caixin, the outsiders believe that this is Tencent’s effort to reach out to the high-end financial crowd in a more influential and appealing role among the low-end people, showing the Riba people’s pursuit and longing for Yangchun Baixue. At present, the marriage of the "Lang Choi Girl" is still sweet. According to iResearch, Caixin.com has become the fastest growing independent financial website with the fastest growth rate of 73.1% in the first half of 2012.

High Fu Shuai counterattack

“In China, it is harder for banks to lose money than to make money.” Guo Tianyong, director of the China Banking Research Center at Central University of Finance and Economics, felt deeply touched. In 2011, after-tax net profit of China's top 500 private enterprises was 438.73 billion yuan, which was a lot worse than the total net profit of the five major banks, namely the Industrial, Construction, Agricultural, Agricultural, and Commercial Banks, which was 680.849 billion yuan. The latest disclosure of the 2012 semi-annual report of Shanghai and Shenzhen companies shows that the total net profit of the 16 listed banks in the first half exceeds the total net profit of the other 2439 listed companies.

Gao Shuaifu is not a matter of peace of mind. Pang Xiusheng, vice president of China Construction Bank, publicly stated that it is not appropriate for e-commerce companies to control the financial services of customers and banks. It is precisely because of this inappropriateness that it does not trust, CCB has established Shanhe Mall, which has B2B and B2C modes covering wholesale, retail and housing transactions, providing online transactions, payment and settlement, installments, financing loans, and fund custody. Other services. Regardless of the joys and sorrows of cooperation between Alibaba and CCB, CCB has seen the power of customer databases through cooperation. It also knows that the key to reducing the cost of reviewing loans is to understand customers in depth.

"Free shop rental, transaction-free commissions, free service fees, payment and settlement fees for merchant debit card mall transactions, and free mall homepage recommendations", CCB's determination can be glimpsed. Shanrong has already registered hundreds of thousands of registered users. However, according to the reporter’s understanding, the figure is not small: CCB launches an event to register and open a mall account and send 50 yuan electronic vouchers. Some people have this idea: “This is equivalent to giving away 50 yuan, I Registered several accounts, took the ticket and spent it, later come here to say no."

CCB's action has stimulated other financial companies - ICBC, Agricultural Bank of China and China Merchants Bank have set foot in the "online store", covering clothing, daily necessities, digital appliances, etc.; Bank of Communications Taobao flagship store has opened, users can buy financial products online.

Ma Weihua, president of China Merchants Bank, put it more directly: “The third-party payment companies such as Alipay have weakened the bank’s position as a social payment platform, and Facebook and other social networks threaten the survival of the bank—the function of the deposit and loan intermediary.” The big news is still behind. After all, this is a contest between two kinds of corporate systems - good at killing Internet companies PK used financial predators in the greenhouse.