Liu Jia: consumer finance around the living areas, 3 types of platforms survives
2014 the 12th annual meeting of the China Internet economy held in Beijing on December 18. Internet banking halls, founder of wealth combined with Liu Jia pointed out that consumer finance is positioned around more people living in this area, to address user needs and pain points of things. Following is a video:
I am the co-founder of wealth Liu Jia, adhering to a simple introduction, introduce myself, then simply put it all the way wealth in Internet innovation places the basic practices in the financial sector. After from a foreign company, I was your own business can be said to be the earliest O2O entrepreneurs, venture into investment and advisory areas. Investment process, we see a lot of Internet companies, throws a lot of Internet business, there are plenty of access to financial resources, two years ago, did not hold back, do it yourself down to business.
Wealth has done two years of time all the way, with our theme today is very fit, tall things do not say, we wanted to make, the core of “financial services”, a concept, we create what is called the financial aspects of the first platform. Along wealth simple situation is such of, we has got SFC Fund sales of licence, access more than 30 over fund company, and insurance, and brokerage, all financial service mouth of business, through business of combination and innovation put we of financial capacity, put solution programme of capacity output to we cooperation partners in the, let they for himself of customer provides new of financial service, meanwhile get user along wealth and cooperation partners three win of situation, on like Everbright Bank cloud payment this business everyone ideas Shang is very like of. At present we are living through the easy and fun way, entirely by means of the Internet to do it, and 5 industry more than 20 enterprises to conduct a preliminary cooperation, hoping for more ordinary people through the output of financial services in mother and child, education, tourism, and other real life scenarios he provides financial solutions and financial services in the sales of the product.
“Why there are such forms came out of the Internet market in China? “” As entrepreneurs and new powers, how to look at everybody and do the things in China its mode and its significance and future development of space? “I am so resolved these two issues, the first is why Internet finance in China is developing so fast, our understanding of how and why to join to do this thing, and the second is seen from our current business model where development space and value it.
Why the financial development of the Internet so fast? Three a level: first a level is three a extrusion, first a extrusion is traditional of financial institutions of profit mode, and service mode, led to on many user of based service no do so detailed, we at prepared do this block market of when found million following 50,000 above 5–10% Zhijian exists huge of Lee poor space, no similar of products match such group customer, this group customer in China is fast growth, and fast found and fast through of a food well-off backward and for financial and wealth management of groups, This was the first extrusion.
Second extrusion is with changes in China’s investment environment, and other aspects. We did a survey, approximately 80% people have 60% wealth, the process, and few people have great wealth, but it is not a process of peeling an onion, but the middle class will grow up quickly, they were tormented by CPI, is a House, a variety of, value of their wealth, their financial needs have long been suppressed. Comparison of new financial products such as trusts, banking Fund is emerging as a force, but their development is very fast, and is the result of long been squeezed.
Third a, recently Internet financial outbreak of incentives is economy of downward, led to yiqian quality of assets became no longer quality, and actually SMEs for money of craving or for development and out of trapped Council of desire more strongly, regardless of any way of funds NET, regardless of P2P also is is sales platform, are is solution financing of problem, to enterprise or real of needs party efficient provides funds such a process. Because the process is an economic downturn, so that led us to this demand is squeezed. So hungry for better and more flexible is different from the traditional way, combined with the emergence of Internet resource allocation is the cause of three levels of Internet banking quickly broke out.
Along wealth in Internet financial field of development situation, we has licence and various of products, but we of practices with other people has difference, we also in wants to how to to customer for Center, how to real solution customer of problem, last found fast growth of user group is future financial user of based, they no longer select traditional of way do financial, find a people or sat to a Hall with Business Manager chat two hours told I wants to do, to knows you of risk model or heard you sold what products, Even the PC port will be abandoned, but rather on the mobile side to choose their own way of life. They are more independent and have judged, but they don’t understand, so they also need such a service. So we moisten things silently in his scenes of life and consumption scenario provides users with values of fiscal prudence.
In output to they of process in the everyone of practices are is like, looks is a 2B again 2C of business, but it of core is through Internet of way and through financial account system of way, makes securities account has non-site account of basic capacity, and this non-site account of basic capacity led to securities account can hosted user except based of financial of needs zhiwai, it also hosted with consumption, and loan, all aspects of needs, to such a based of account through in life all scene of links, We say that this trend is irreversible. Active balance Po, PayPal or even drops of a taxi, there is also the so-called financial sector giants, including bankers, all prize, they responded positively to the changes in this process to provide their own services, off-site is the core bank account, eventually by means of the Internet and to change the traditional core of users.
This process in the has three class company may eventually can survival down, first class, flow and assets of match, is has mass days volume flow of company, second class is can in-depth cut to user of some details of vertical field in the, third a is real has automation financial investment, to for user provides capture details of changes, clear user risk model match user behavior of solution programme of platform.