Internet Financial Crazy Volume 100 Billion Deposit Banks Collective March Into The Balance Of Treasure Management

< p > < strong > > a href= "//www.sjfzxm.com/ > > balance treasure < /a > success or failure to be copied < /strong > /p >

< p > interview, analysts said that although many institutions started to enter Internet Finance in 2014, the balance of treasure's success is hard to replicate in the short term. The proportion of Alibaba group's shopping online is large, which is unmatched by other Internet.

As AI data shows, in the three quarter of last year, B2C (merchants to customers) accounted for 51.1% of Tmall's market share in terms of paction size, while suning.com accounted for only 4.4%, which was far lower than that of Tmall, Jingdong and Tencent.

Even for mobile clients, Taobao occupies 76.6% of the absolute advantage, while suning.com accounts for only 0.8%.

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< p > even the Chinese fund, which has successfully held hands with WeChat, seems very hard to predict its development prospects.

As mentioned by the responsible person of the large scale electricity supplier, although WeChat is widely used, its life connection is still low, that is, less shopping. If shopping in the future can be easily swept, shopping can be realized easily. The era of mobile consumption is really coming. Financial generalists are expected to compete with the balance.

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< p > Ma Mingzhe also admitted that the integration of financial enterprises and Internet companies and the integration of their businesses is the biggest challenge before peace.

However, in the face of Ali, Tencent and other competitors, even if Ma Mingzhe and other "two horses" relationship is better, but the market is still a market, a tough battle can not be avoided.

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< p > < strong > < a > href= > //www.sjfzxm.com/ > > Bank > /a > collective March, balance management > /strong > /p >

< p > not only Internet companies have frequent actions, but also the traditional rich and handsome banking industry can not sit idly by the Internet Financial encroachment on their deposits.

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After P, the big state-owned banks started to move.

A bank launched the "real time cash fund withdrawals" business, claiming that once the customer redeemed the money fund they held, the funds could be accounted for in real time, and truly realized the "7 * 24 hours of capital T+0 arrival".

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< p > another state-owned bank has launched the "day to day" product to facilitate customers to convert the current balance into the IMF in time.

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Besides P, CCB is also preparing for the sale of T+0 business on sale channels, and a number of joint stock banks and city commercial banks are in contact with fund companies.

The curtain on banks' comprehensive counterattack of "balance treasure" has been opened.

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< p > a bank personage said that Internet banking is a dilemma for banks. If banks launch the products of balance treasure, a large part of demand deposits may be replaced by goods bases, and the cost of capital will be pushed up. If not launched, the scale of their deposits will sooner or later be eroded by similar businesses, resulting in a double loss of capital and customers.

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< p > "for banks, the impact of Internet finance needs a process of reaction. This process has some banks and some banks are short, but at the very beginning, we are all Internet based, moving offline products and services to online, expanding service channels, and truly turning to interconnected finance is not easy. We need to co-ordinate the whole line, and even the whole group's overall positioning."

A joint-stock bank retail business analyst said.

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What is the impact of < p > < strong > on traditional < a href= > //www.sjfzxm.com/ > Finance > /a > /strong > /p >

< p > facing the full swing of Internet finance, analysts' views are relatively calm.

Guo Tianyong, director of the research center of Bank of China (601988, Guba), Central University of Finance and Economics, believes that the rapid rise of Internet finance is largely due to the lack of openness in the domestic financial sector and the lack of innovation in traditional financial institutions.

He pointed out that at present, Internet banking has not yet touched on the core business of banks, and more impact is only reflected in retail businesses and small and micro enterprises.

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Yang Tao, a researcher at the financial institute of the Chinese Academy of Social Sciences, also believes that the traditional financial institutions do not have to be too thin, or do not want to catch up with the modern e-commerce platform or P2P net, but should actively and steadily promote and amend the implementation of the Internet technology innovation strategy.

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< p > beyond doubt, to a large extent, Internet finance pays more attention to user experience, while traditional financial institutions first emphasize regulation, followed by users. The differences between the two modes of thinking decide the difference of their development process.

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