招商银行与苹果秘密洽谈移动支付合作

China merchants bank, secret talks with the apple mobile payment cooperation

On March 3, tencent, said ma huateng, chairman of the board of directors of the company is currently considering applying for microfinance. All that from tencent share an online insurance approved only three days apart. As most Chinese users live chat software provider, tencent is now covers third-party payment, stock software, such as the financial sector.

"With the development of regulatory policy, I believe that soon, ma will also be considered into the securities brokerage, asset management and banking sector." Taihe said wang liang, director of investment.

Besides ma huateng, ali finance, jingdong mall, suning appliance and hc360 have also entered the field of microfinance.

This has caused concern of traditional financial sector. Ping an group, chairman of Mr Ma in this year's New Year address already feel tech to the traditional financial sector "devastating", he thinks that "in 2013, will be a new revolution of science and technology to accelerate the deepening year. As a traditional industry, safe future's biggest rivals, not other traditional financial companies, but modern science and technology industry. We are now facing, is a competition between modern technology and traditional industry, whoever runs fast to win."

The lure of the financial

Officially released in February, the last day of the circ approval, agreed to the online preparation, pilot implementation as a professional network property insurers.

The shareholders of the Ann online for nine companies such as alibaba, China's ping an, tencent, mostly the Internet technology company.

The Ann online set up up, has caused high attention of the industry. "The financial sector to all the Ann online attention besides shareholders had larger, mainly because the industry for the first time aware of the real impact on the financial industry, science and technology may be starting to segmentation of the financial industry, traditional cake caused a sense of urgency", said wang liang, the technology involved in microfinance, etc mainly as a supplement of traditional financial sector.

In addition to the layout of microfinance on alibaba earlier, recently, jingdong mall, suning appliance and hc360 have also entered the field of microfinance.

"Internet companies in the financial sector, there are two reasons, one is the pattern of the Internet industry already cured, only looking for a new cake; second, the financial sector is gradually open, but there is no eliminate monopoly profits, some of the advantages of the Internet enterprises in the financial industry has big opportunity", tencent said a top.

Industry is a classic joke circulating, until today in development of China's Internet has solidified to form a TABLE - "TABLE". T is tencent, alibaba is A, B is baidu, L is lei jun, "E" is for zhou.

"The Internet development is the nature of the enclosure (user) first, to build a house (services or products), and then again enclosure, to build a house", thunderbolt CEO Zou Shenglong had told reporters. However, China's Internet market in the past more than ten years, the rapid development of the user has been finished to occupy.

"Given the current just around 600 million Chinese Internet users, tencent number of users has been close to the limit. From the horizontal view, tencent has almost follow up all the profit pattern of mature and strategic and become the enemy, use large user group to the related highly profitable industry is an inevitable choice of tencent", this tencent executives said. Ma in recent days during the two sessions, also suggested that the government should support the scientific and technological enterprise financial platform construction. "Channel is the advantage of traditional financial companies and professional talents. With the Internet more and more business enterprises of the channel is more direct, grasp more in-depth understanding of customers and requirements, at the same time, large Internet companies can also provide more attractive than traditional financial industry pay equity on traditional financial sector can not provide, even to attract talent", alibaba said a middle.

Higher profit margins is gradually open the financial sector is undoubtedly the Internet giant's best choice.

Small loans, for example, as of June 2012, ali financial loans of more than 26 billion yuan, an annual interest rate is 18%. China electronic commerce research center researcher Feng Lin think, ali, small profit margins at around 15%.

If these loans is the average time half a year, assuming ali financial loan margin will be as high as 3.9 billion. Which exceeds the alibaba to $2012 in fiscal 536 million net profit. "If bad debts can be effectively controlled, microfinance is indeed a very profitable industry", red hill throws the chairman Zhou Shiping told reporters.

The Internet channel depends on the understanding to the customer network credit platform is considered to be the most effective tools for Internet companies to do small loans. ), according to public information by the end of 2011, ali small bad loan rate is only 0.76% of the total. If ali assuming small credit loan time limit is six months on average, the bad debt rate is only 0.38%, far lower than about 0.6% of the entire banking industry over the same rate of bad debts. "After the ma and ma are present, who can guarantee a table, such as li, lei jun and zhou did not kill in one day". Wang liang said.

Internet xie wen, a senior analyst believes that while the policy gradually open, but the Internet companies to enter the financial sector is main or license problems, "pay for 10 years in the field of unlicensed, approved, and paid license issuing, now Internet financial legitimacy should also received the recognition from the policy level, first licence issue is a bigger risk."

Penetrating into

China investment limited liability company deputy general manager Mr Xie believes that represented by the Internet in the modern information technology, especially mobile payments, cloud computing, social networks and search engines, etc., will have a fundamental impact on human financial model. 20 years later, he thought, and may form a is different from indirect financing of commercial bank, also different from direct financing capital market and the third financial operation mechanism, can be called "Internet direct financing market" or "Internet financial model".

He Xiaojun, deputy director of guangdong branch also had thought that Internet financial leverage is fundamental commercial Banks, if for the healthy development of the Internet financial bottom go to, can fundamentally shake the traditional advantage of commercial Banks, commercial Banks may cease to exist.

Supporters of Mr Ma is subversive theory, he thought that the development of science and technology bring changes is subversive and revolutionary, dying for some traditional industry, enterprise, for these are not in anyone's will.

In fact, in response to the change of science and technology, the traditional financial institutions has long been more or less began to action.

Represented by the construction bank in the banking industry e-commerce platform is already started. On June 28, 2012, CCB has quietly launched its financial services e-commerce platform - "good business". As of the end of 2012, six months in good harmony business enterprises have accumulated 3.5 billion yuan, to reach nearly $1 billion online finance.

In addition, our sole, Mr Ma at the end of 2012 to the United States and apple with mobile payment business cooperation. In fact, in September 2012, the bank teamed up with cell phone maker HTC launched "domestic Banks under the new standards for mobile payments industry's first mobile payment products." "Mr Ma is pinning all his hopes again through mobile payment action travel speed up an edge, corner overtaking realization by way of technical advantages, this is Mr Ma after through online banking and other customary practice" after taste, a state-owned bank shenzhen branch, general manager of the department said. "It is hard to say clearly in traditional finance and science and technology mutual penetration, which side is more absolute superiority, but the change should not be ignored, wang liang, said Mr Ma in the New Year speech summary is very good," although the new things and new attempts will inevitably face new uncertainty, but the change trend and the trend is unstoppable, the direction is more and more clear, the situation forced people, not to advance is to go back, we only have unswervingly, a race against time to move on. Too long, seize every minute!"

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