How To Make Internet Financial Products After The Balance Of Treasure?

< p > with all kinds of a href= "//www.sjfzxm.com/news/index_c.asp" > balance treasure < /a > products, the Internet Finance seems to be left with only one type of product.

In addition, all kinds of P2P net loan companies are also "dazzling".

Will the products of Internet finance change this year? What is the trend? < /p >

< p > < strong > special answer guest, general manager of Kaixin loan, Zhou Zhihan: < /strong > < /p >

< p > the rapid development of Internet finance appeared in 2013, and 2013 can be regarded as the first year of Internet finance.

Especially in the first half of 2013, the emergence of Alibaba's "balance treasure" exploded the entire Internet financial industry. At the same time, all kinds of P2P net loans also rose in 2013, and won a lot of eyeballs.

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< p > 2013, "treasure" products have maintained an upward trend in yield, regardless of "balance treasure" or "financial management", before the Spring Festival, they have all been above 6.5%.

Liquidity, the "treasure" T+0 real-time arrival, redemption amount is also constantly refreshed.

In terms of usability, one trend is payment enrichment, one is value-added services diversification, and the other is terminal mobility.

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< p > 2013, the number of P2P network loan platform increased explosively, and there were more than 70 platforms closing or running off. The biggest problem was risk management. It was obvious that the credit platform could not be decentralized. The platform was difficult to manage liquidity risk. However, under the guidance of policy, the trend of the whole industry was still going to be standardized, sunny and intermediary.

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< p > review the development of the two major categories of Internet financial products in 2013, the products of the balance treasure and the P2P net loan platform. Combined with the recent national voice on Internet finance, we can try to predict the evolution path of Internet financial products in 2014.

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< p > strong > 1. The yield of all kinds of "treasure" will start to return to normal. But in order to retain customers, Internet companies will evolve into the two generation of "treasure" products.

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< p > 2013, the main product of Internet companies' involvement in finance is docking various monetary funds, and using Internet thinking to optimize the convenience. Users can buy and redeem at any time, liquidity is comparable to bank deposits, and the yield is much higher than the current interest rate in 2013.

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< p > but the high rate of return will not last for a long time in 2014, and will gradually return to 4% of the yield of the IMF.

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< p > because users are accustomed to pursuing various high yields, there will be some evolution of these "treasure" in order to retain users, such as launching financial products that connect non monetary funds, and even docking with some relatively secure P2P net loan platforms. Under the condition of capital preservation, the rate of return of users can reach 6% or 7%.

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< p > < strong > two, P2P < a href= "//www.sjfzxm.com/news/index_c.asp" > net loan platform < /a > will appear sharp differentiation.

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< p > some well-known platforms will have problems due to the lack of wind control capability, and the wind control is good, and the standardized platform business is developing rapidly, and gradually form a network bank mode with Chinese characteristics "Internet + offline outlets".

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By the end of 2013, there were nearly 1000 active Internet loan platforms in China, but the number of platforms that had problems increased rapidly in 2013. P

The main problems that occurred in 2013 were self financing, or the platform of Guarantee Corporation's related platform. But from the perspective of the economic situation in 2014, there may be even fully independent platforms and even well-known platforms in 2014. Due to the lack of risk control capability, a large number of bad debts will occur, which will lead to business difficulties and allow investors to lose funds.

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< p > strong > three, supervision a href= "//www.sjfzxm.com/news/index_c.asp" > arbitrage < /a > gradually disappear, P2P net loan is no longer a grass root game.

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< p > in August 2013, when the central bank vice governor Liu Shiyu laid the bottom line for the P2P net loan platform, it had already indicated that the state would gradually supervise the P2P net loan.

Against this background, companies with standardized management, self-discipline and strong background will emerge.

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< p > at the same time venture capital capital has also entered the P2P net loan platform in large scale. In 2013, a number of platforms have obtained tens of millions of dollars or more of the venture capital capital. These powerful platforms will further improve the operation mechanism and improve the level of wind control according to the regulatory requirements of the state, and virtually raise the threshold of the P2P net loan platform. The original P2P net loan company will be relegated to the second tier or even be eliminated.

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