Mobile Financial Disputes And Fighting Financial Management Crazy Suck Gold Nearly 30 Billion

The miracle created by < p > a href= "http://www.91se91.com/news/index_cj.asp" > balance treasure < /a > will make anyone envious, and the power of WeChat can not be ignored too! < /p >

"P", so Ali and Tencent struggle from "sky" to "underground". What is behind the two giants? What is "/p"?

< p > if you can really think through it, you will be surprised, because what they plan will be a huge "territory"! < /p >

< p > CAITONG is growing at a unique speed of its Tencent gene.

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< p > up to February 21st, CAITONG has more than a month trial run on line, its scale has nearly 30 billion yuan, and the user scale has exceeded one million.

Despite the heavy restrictions imposed by banks, the WeChat platform, which sits on 600 million users, has undoubtedly become an abundant launch propeller of rocket fuel, and even surpassed its most powerful competitor, the first month of Alibaba's balance treasure record.

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< p > CAITONG has just started, and the balance treasure has been on the dust.

It is reported that the scale of the balance treasure has exceeded 250 billion yuan at the time of financial communication on-line (January 15th), and it will stand on 400 billion yuan later in one month.

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< p > CAITONG and the two Internet giants Tencent and Ali behind the balance of treasure, from the earliest well water to the river, and now the war is burning to all business sectors.

The status and role of the financial value-added function based on the payment platform in the financial business domain of the two companies are also gradually clear.

"No matter Alibaba or Tencent has the dream of making big finance, all areas that can be involved will be involved in the financial sector," he said.

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< p > < strong > leading and catching up < /strong > /p >

A year ago, at the end of 2012, two third party payment institutions had begun discussions with fund companies on the cooperation of the P fund.

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< p > at that time, Cai Fu Tong did not see the cooperation with the fund company too much, and the direction of the product was not clear. The fund company who had talked with CAI Fu Tong talked about the feeling at that time, "the product plan is changed and changed again".

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< p > fund company is also more inclined to seek cooperation with Alipay. "Consistent view is: game Tencent, electricity supplier looking for Alibaba."

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At the same time, Alipay has already taken the lead with the Celestica fund, and the cooperation mode has been initially formed. The Celestica fund will tailor a monetary fund for Alipay to add value to Alipay's small sedimentation fund and carry the payment function at the same time, that is, the surplus amount of P.

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< p > three months later, the Celestica fund has completed the monetary fund program and reported to the SFC. Meanwhile, the balance treasure project has become the 2 item in the Ali group, and the degree of recognition is obvious.

A fund company electric business personage said, in order to cooperate with the development of the balance treasure, Ali other cooperation projects have been postponed, the allocation of resources is obviously tilted in the balance treasure.

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< p > June 2013, the balance of treasure on-line, Ali tilting group's power for its momentum, while Alipay's up to 160 million of the number of users to boost the balance of the size of the gem growth.

Up to now, its scale has exceeded 400 billion yuan, and it has grown so rapidly or even the Alibaba group.

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< p > compared with the deposits of more than 46 trillion yuan, the scale of the balance treasure is 400 billion yuan but a drop in the ocean.

But the balance treasure only took 8 months from 0 to 400 billion, while the central bank released data showing that in 2013 the residents of the entire banking system increased their deposits by about 5 trillion and 600 billion yuan.

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< p > "when making planning, the balance treasure is just an indispensable product in the financial chain of Ali, but I didn't expect the explosive force of this thing to be so strong."

Stakeholders told reporters.

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< p > the demonstration effect of the balance treasure immediately aroused the concern of Tencent, and the cooperation between CAI Fu Tong and the fund company increased again.

At the same time, the product scheme of the balance Bao is very simplification, which is beyond the expectation of CAI Fu Tong and is close to its subsequent product design modification.

On the other hand, after issuing the agreement framework of holding Celestica fund, Ali basically excluded other fund companies from the scope of cooperation of the balance treasure, and also made the fund companies unwilling to join in the Tencent's express.

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Less than half a year later, the Tencent "P" has quickly adjusted its strategy to grafted the products originally designed on the PC side to the mobile terminal, that is, the CAITONG, which was subsequently launched on the WeChat platform, and reached the first round of four online agreements with several large fund companies in China, including Yi Fangda, gf and huitianfu.

"Cai Fu Tong also realized that there is no advantage in the competition at the PC side, and mobile finance is undoubtedly the future trend. Therefore, the WeChat, the mobile terminal, is pulled in. It is the most urgent thing to do, and there is no need to do any unnecessary competition."

Related fund companies believe.

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< p > finally, the Huaxia Fund won the first prize. It was < a href= "http://www.91se91.com/news/index_s.asp" > "Finance > /a > customized Monetary Fund. Fortune treasure took the lead in January 15th this year.

"China must take a lot of resources to swap for the first line."

A fund company's electricity supplier Department said that this is a sense of urgency that is being overtaken by celestial Hong Kong, and is also competing for the first advantage.

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< p > the first advantage of the Internet industry has indeed been fulfilled in China's wealth treasure.

In February 21st, Cai Fu Tong officially responded to "daily economic news", which said that the scale of financial services was nearly 30 billion yuan, and the scale of users exceeded 100 million.

Although this number is less than the "50 billion" and "70 billion" words circulated, it is not decimal.

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< p > this makes the other three fund companies lose their starting position even if they lose their starting position, and still do not change their determination to cooperate with Tencent.

"With the example of Alipay, you can see that for WeChat, such a huge customer platform, even if the evening line is still a month, there will still be a great opportunity."

Related fund companies believe that electricity providers.

In addition, when the products of four organizations are online at the same time, CAITONG will adopt a "round robin" approach to allocate customers, and customers can only buy the only products that are currently allocated, so as long as there are new customers, the opportunities for every company are equal.

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< p > it is understood that the three fund companies have completed the joint test, that is, the real business environment test conducted with funds. "Smooth words should soon be on the way, but we still have to wait for the news of money paid."

Above fund company personage expresses.

But for three companies on the product line time, Cai Fu Tong still said that there is no clear timetable.

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< p > < strong > dispute and infighting < /strong > /p >

< p > after the Spring Festival of 2014, the number of WeChat users has been expanding rapidly, which is a huge threat to Alipay wallet.

As one of the important functions of the two wireless terminal applications, the battle between balance treasure and CAITONG has just begun.

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< p > self financing is the biggest competitor of the balance treasure at the very beginning of its existence. The most common one is the rate of return, and the other is the user experience, such as the convenience of opening accounts, the pfer limit and the arrival time.

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< p > CAITONG has maintained a slightly higher yield than the balance of treasure since it was launched online, which has also attracted some investors to defer.

In order to maintain its advantages and attractiveness, it is reported that Alipay has put forward high requirements for products coming into the Alipay wallet platform, such as fixed income products, which must be guaranteed no loss.

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< p > it is learnt that the "two phase of balance treasure", that is, "regular treasure" is being prepared, and the possibility of docking with insurance products is relatively large.

From the perspective of the fund, cooperation is more difficult. A fund company in Beijing said, "the requirement of regular treasure is definite and higher. Besides the class a share of the classified products, the fund products can not guarantee the proceeds, and this product and fund cooperation is more difficult."

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< p > industry insiders say that Alipay has launched one of the reasons for other products to divert the balance of treasure funds, which is also the bottleneck of the balance of Bao's huge volume.

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The same is true of P. The media reported that the fund company temporarily adjusts the fund products of the CAITONG fund to another Internet monetary fund product, because the latter has a higher yield.

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< p > in the user experience, the balance treasure shows a greater advantage. At present, the point of financial management is often criticized, that is, many bank cards have restrictions on their trading volume: Minsheng Bank [-1.67% Capital Research Report] and Industrial Bank [-0.84% Funds Research Report] the quota is 5000 yuan per day, and the investment fund of research bank of China Merchants Bank is 30 thousand yuan per day, the Bank of China [-1.15% Funds Research Report] 50 thousand yuan per day, and the ICBC has a single 10 thousand yuan per day.

Cai Fu Tong is also quite helpless. "Every bank's trading limit is regulated by banks.

We are also actively negotiating with banks to raise the quota. "

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< p > beyond the confrontation between Tencent and Alibaba, there is fierce competition between fund companies.

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< p > the management fee charged by Tianhong Zeng Li Bao is 0.3% per year, which is 0.33% lower than that of other monetary funds. While the Chinese fund is a customized product for CAITONG, fortune Bao once again refreshes its rate of fees at a low rate of 0.27%.

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< p > in addition to enabling customers, fund companies also pay a high cost for the cooperation between Tencent and Alibaba.

According to the fund company who has been contacted with CAI Fu Tong, the financial service company adopts the charging mode similar to the Internet advertising CPA (costperaction), that is, charging customers according to their accounts and buying fund behavior.

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At the beginning of P, fortune paid a high price of 20 yuan per household, which made many fund companies prohibitive.

The final agreement with several fund companies is that a user charges 10 yuan for opening an account. After the account is opened, the customer buys the IMF and charges another 5 yuan. If the customer purchases the stock fund, it will charge another 15 yuan.

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< p > according to the current financial accounts account has broken million calculations, even if it does not calculate other marketing costs, the cost of the Chinese fund has to exceed 15 million yuan.

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< p > "at present, the market is still in a state of horse race enclosure. It is also worth paying for a higher price in order to get more resources."

Some fund companies believe that the electricity sector.

However, this mode of charging naturally excludes most of the small and medium sized fund companies with insufficient financial resources outside the game.

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< p > < strong > mobile finance dispute < /strong > /p >

< p > fund company's high cost in the eyes of the Internet giants are not in the eyes of the city is the strategy.

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Zu Guoming, director of the financial affairs division of the small and micro financial services group (P) and the head of the balance treasure project, said in an interview with the media that the Internet financial war has just begun and there will be more bright spots in 2014, and the biggest highlight is mobile terminals.

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Alipay has always been the dominant player in the mobile payment market. According to data from Analysys International, Alipay accounted for 50% of the market share in the first half of 2013.

Alipay disclosed that as of 2013, Alipay's real name system had nearly 300 million users, of whom more than 100 million subscribers turned the main payment scenario to Alipay purse, which paid more than 2 billion 780 million items and paid more than 900 billion yuan by Alipay mobile phone.

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< p > "Alipay's advantage in mobile payment business has benefited from the huge customer resources accumulated over the past PC years by Alipay, as well as the aggregation of online B2C and C2C businesses such as Taobao and Tmall on merchants and users."

Nord foundation researcher Luo Shifeng said.

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< p > by WeChat's powerful user group in the mobile terminal, Cai Fu Tong regards it as a new bridgehead for mobile payment. In August 2013, the payment function of WeChat 5 was formally launched.

Although the beginning of the line did not show any excels, but with the gradual increase of financial services, tick taxi and public comment services, WeChat's payment will be greatly improved no matter the number of users or market share.

And after the 2014 Spring Festival "red envelopes" campaign, WeChat paid users a fission surge.

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< p > the rapid shrinking of the number of users has made Alipay feel an unprecedented threat. The new Alipay wallet released in October last year has embedded more service functions including balance treasure, and its intention to consolidate the mobile terminal status is very clear.

At present, the size of funds from Alipay wallet has exceeded the PC end in the balance treasure.

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< p > however, Alipay still lacks a powerful mobile terminal entry level product, although Ali launched its mobile platform interaction platform in September last year, but its influence is far less than WeChat's.

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< p > "because WeChat payment is based on social attribute payment tools, its 700 million WeChat users have very strong customer stickiness, and its frequency of use is much higher than Alipay, which is the biggest competitive advantage of WeChat payment relative to Alipay wallet."

Luo Shifeng said, "from the current situation, the biggest challenge of WeChat payment is how to quickly enrich the application scenario, otherwise it will not be able to play any good function.

However, from the application promotion of didi taxi and McDonald's official public number, WeChat's O2O application realized by means of public number and two-dimensional code is expected to be rapidly extended to other online and offline sectors, and gradually change consumer spending habits, thus gaining considerable market share in the fast-growing market of mobile payment.

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< p > financial application is undoubtedly a weight that can attract users and increase user stickiness, which has been preceded by the precedent in the Internet payment market.

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< p > AI consulting data show that in 2013 the deep cooperation with finance enabled the third party Internet payment companies to find new business growth points, and the fund purchase market jumped to become the third largest market after the online shopping and air tickets, accounting for 10.5% of the third party Internet payment pactions scale.

AI believes that this kind of assistance has not yet fully erupted. It is estimated that Internet finance will promote the third party Internet payment in the next two years, or further increase the scale of paction growth.

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< p > at present, the users of the balance treasure have reached over 60 million. WeChat's "red envelopes" activities launched by the Spring Festival in the Spring Festival have increased the number of WeChat bank card binding customers by 30%, but compared with the balance treasure, it still does not amount to an order of magnitude.

However, some people also say that Tencent can hardly eat the market through the light of social networking. It is difficult for other competitors to shake. From the social attributes and stickiness of WeChat, quantity can still go up very quickly. The key is how their strategies are played.

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< p > < strong > Ali layout financial industry chain < /strong > < /p >

< p > last week, Tencent's United Nations Gold securities [-1.78% Fund Research Report] launched the Internet financial product "Commission treasure" to seize the opportunity of the Internet in the securities business. Insiders have speculated that Ali will not sit still and will start its next layout in the financial industry.

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The combination of P and Ali is not the first step to enter the financial industry.

Before launching the balance Bao, Ali's financial layout has been launched.

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< p > last February, Ma Yun, Ma Huateng and Ma Mingzhe jointly launched the three horse insurance company to enter the Internet insurance industry. Ma Yun became the largest shareholder by 19% of the shares.

A fund company in Beijing, an electricity supplier, told the daily economic news reporter that "in essence, it is doing insurance, but unlike other insurance, the Internet is the scene." zhong an online aims at every user in the Internet, such as shopping, payment, delivery and other links, and designs corresponding insurance products in the Internet environment. Ali and Tencent provide powerful network platforms and user resources.

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In March of the same year, Ali announced that it would prepare for the establishment of Ali small micro financial services group, forming the scale of almost all financial industry chain involving payment, small loan, guarantee and insurance. P

Some people even said, "now Ali's layout in finance is about a bank licence. Alipay has precipitated the funds of its clients, and small and micro finance is equivalent to loans, which is the prototype of banks."

Subsequently, insurance companies, banks and fund companies opened shop in Taobao and Tmall.

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< p > it is worth mentioning that during the development of the balance treasure, the fund Taobao store has been embarrassed since its launch in November last year. Most of the fund Taobao stores have no sales figures.

Some people said that the future fund Taobao shop where to go, in the interior of Ali is also outstanding, at present no one scale to achieve more than 1 billion, and Taobao previously expected far.

And the future Alipay wallet's financial port opened, the existence of the fund Taobao store is very embarrassing.

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< p > for the current low-risk products that are fixed on the Internet, a supplier of a fund company in Shanghai told reporters: "what substantive innovation is needed to play on the Internet is still very difficult. The more simple and low-risk things the Internet is, the easier it is to accept it.

For Internet finance, how to package product services, simplify complex things, explain risks and benefits clearly to customers, and let customers understand quickly, is also a big test for financial institutions.

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< p > these people believe that balance treasure has indeed done an investor education, and the concept of financial management is being known by more and more people. After these people become more mature in financial management, more advanced Internet financial services may be provided by the Internet.

For WeChat and Alipay, what we need to do now is to improve the various functions of its products.

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"P" and Ali layout financial industry chain, from its characteristics, it is also inevitable.

Ali takes the platform operation as the main business. What is most needed is the "flow of people", logistics and financial flow.

Among them, money that can bring benefits is monopolized by banks.

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< p >, therefore, Ali's entry is placed in "stream of people". After years of accumulation, it brings together a large number of customer resources.

According to the latest data, Alipay has registered 800 million users and active users are about 200 million.

How to use the Internet to pform the "flow of people" into revenue has become the core issue.

The best way is to let the flow of money flow through the platform. In this way, it is inevitable to import into the financial industry.

It is not difficult to understand why Ali started to make big Logistics on the line after Taobao, Tmall and Alipay did well.

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< p > a Shanghai fund company, an e-commerce analyst, said, "the essence of Ali selling is not financial products. It sells" stream of people "and pinches the core of the whole financial chain, that is," flow of people "plus money flow. It is on this basis that Ali begins to lay out in the financial field, and continues to expand and expand.

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< p > "Alipay's accumulated customers are highly consistent with its financial attributes and consumption attributes, and have been cultivated for more than 10 years.

The 1 billion 300 million people will be dragged to the platform, and then go to the terminal to flow to the flow of money and logistics to grasp these two directions. The operation of the entire platform, including the accumulation of previous years, will have a focus of pformation. "These people say that the essence of Finance and logistics is the same as that of the two elements. They are the conversion of" stream of people "into a real cash flow, and seize the ultimate direction of" a href= "http://www.91se91.com/news/index_c.asp" /a ".

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