Wechat CAITONG Meets Alibaba Ali To Explode The Internet Financial Year War

< p > < strong > Tencent Suning has followed a href= "http://www.91se91.com/" > balance treasure < /a > /strong > /p >

< p > the IMF has been doing so for many years. It has suddenly been deducted by huge scale effect of the balance treasure.

Some fund companies imitated the design of balance treasure products and launched "category balance treasure" products.

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< p > January 15th night, the Tencent WeChat financial pass test version was quietly launched, which was interpreted by the industry as the scale defense war launched by the Chinese fund.

Earlier, there were rumors that WeChat's first 4 cooperative fund companies were Huaxia, Yi Fangda, huitianfu and GF, but now they have become the exclusive first line of the Chinese fund.

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< p > micro guest traffic is large, Taobao products are abundant, both sides have their own advantages and disadvantages in the balance of financial management business, and because of this, CAITONG is considered to be the most capable product of "balance" in the market. The huge number of users is the biggest advantage.

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< p > in addition to WeChat CAITONG, recently, the Su Ningyun company's Yi Fu Bao launched the balance of financial products "zero money treasure" formally launched, the traditional financial giant China Ping An "one wallet" beta version is also in hot pursuit.

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< p > it is reported that "zero money treasure" partners are GF funds and huitianfu funds. The highest annual yield of 6.99% is claimed to be 15 times the interest rate of demand deposits.

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< p > in the Internet financial high yield card, CAITONG can not escape the custom.

The word "let assets increase faster, yield can reach more than 16 times of current interest rate, and 7 day annualized yield 6.4350%" is also marked on the CAITONG website.

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< p > < strong > < a > href= > http://www.91se91.com/ > > Ali > /a > take up the two generation of balance treasure < /strong > /p >

Less than P, Ali, who has been fighting with Tencent on all fronts, is also not afraid to take the lead in the Internet financial field.

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< p > on the day when Huaxia Fund joined Tencent to fight for the balance of treasure, Alipay and Celestica Fund announced in a high profile that the size of the balance treasure exceeded 250 billion, and the number of users reached an alarming 49 million. The industry speculated that the Celestica fund was likely to surpass the Huaxia Fund successfully and become the largest fund company in asset management in the country.

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< p > but for Ali, it is obviously not enough to launch a public relations campaign. Before WeChat's version of the balance treasure came out repeatedly, Alipay's on-line balance of treasure two generations also appeared frequently in the media.

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< p > it is learnt that with the balance of treasure with the deposit, similar to demand deposits in different ways, the two generation of the balance treasure may set a deadline, similar to 7 days, 14 days, 60 days, once the purchase is due to expire.

However, because the project is still in the confidentiality stage, the specific product form of the cooperative fund company is not yet known.

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< p > in addition, it is understood that the enterprise version of the balance of treasure is also in the process of development, taking into account the amount of corporate deposits, and if this product is launched, the ability to absorb gold will not be underestimated.

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< p > < strong > behind the product competition is the dispute of the giant entrance > /strong > /p >

< p > Tencent Ali is behind the offensive and defensive battle against money funds, which is competing for the future mobile Internet access.

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< p > an important rule of mobile Internet is: the higher the frequency of opening, who is the real entry.

The more opportunities for users to contact, the greater the opportunity to promote services.

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In the era of < p > PC, the third party payment tool is basically hidden behind the giant. Whether it is Alipay or Cai Fu Tong, it is a payment tool hidden behind Ali and Tencent. It does not own too many financial attributes. But in the mobile Internet era, all of this has changed, because mobile phone as a portable tool provides great convenience for personal finance.

Alipay has previously disclosed that the number of mobile terminals pferred to the balance of treasure has exceeded the PC terminal, which shows that the fragmentation of mobile finance has been accepted by a large number of users.

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< p > in order to fight for this entry, Alipay and Cai Fu Tong, an old rival in the PC era, are also fighting for mobile terminals. Alipay is trying to build Alipay wallet and App.

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< p > > on the second day of WeChat's a href= "http://www.91se91.com/" > CAITONG < /a >, Alipay announced that the department store and the red flag supermarket support Alipay's wallet bar code payment. So far, Alipay has access to convenience stores close to 8000, and 7-11 international giants will soon access.

Tencent also uses tools such as micro shopping and micro life to provide consumer closed loop, CRM tools for offline merchants and embed WeChat payment into them.

Obviously, both Alipay and WeChat want to improve the activity and stickiness of users through offline horse racing.

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< p > besides, it is understood that Jingdong's related teams are working overtime to launch a personal financial product which is quite different from the balance treasure.

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< p > Jingdong is expected to launch a business called "Jingdong white strip" before the Spring Festival. This business has opened the employee's internal test. The initial content is somewhat similar to the "credit overdraft": consumers can apply for the maximum 10 thousand yuan personal loans in Jingdong shopping, make payments, and pay the installments in the next 3-12 months.

However, the amount, interest and so on have not yet been determined.

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< p >, it can be seen that the battle against Internet finance has reached a climax, and the battle for the entry of giant mobile Internet has also started.

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