Internet Financial Risk Big Hackers Can Tamper With Mobile Terminal Software

< p > TV has broadcast "< a href=" http:// Internet > Internet < /a > financial management: will there be a new future for the new force? "

< p > commentary: robbery, crazy robbery, hot, hot, Internet financial management is very popular.

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< p > reporter: how much money was put in the Spring Festival? < /p >

< p > citizen: not much. Tens of thousands of dollars.

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< p > citizen: 220 thousand.

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< p > citizen: can you keep it secret? < /p >

< p > explanation: balance treasure, CAITONG, zero money treasure, now Jinbao, all kinds of financial artifact, where is good? < /p >

< p > citizens: access is more convenient and the rate of return is higher than that of banks.

< /p >

Commentary: encourage Internet financial development and innovation, and infiltrate and promote each other with the traditional financial system. Although the direction is good, can investors' rights and interests be protected? < /p > p

< p > citizen: worry.

Because this is not official.

In case the money is put in, then there is no more, is it? /p

< p > commentary: news 1+1 today focuses on Internet Finance: will there be a new future for the new force? < /p >

Dong Qian P: Good evening. Welcome to the news 1+1, which is being broadcast live.

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< p > if you have spare cash on your hands, what will you do? When the stock market and gold fade away from your options, people now find a new option, Internet finance.

The simple financial management of the Internet has two advantages: one is the low threshold, and the other is high income.

We may as well see how many people are using or ready to use.

We see that more than 4000 people are the respondents, and 67% of them are trying to use 25.89%.

In other words, nearly 90% people are or are ready to try this kind of Internet financial management.

Although such more than 4000 of the participants are mainly young people on the Internet, we can feel this kind of heat from such figures.

Internet finance is not reliable at all? How big is its future development space? If we want to do it well, what else is worth regulating? Let's first look at how hot Internet finance is.

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< p > commentary: in February 18th, this should be a news that shocked the Chinese financial circles. The number of Alibaba's wealth management products has exceeded 61 million, and its scale has exceeded 400 billion.

You know, the single financial product of a single company is equivalent to 1% of the total household deposits. Is this a miracle of Internet financial products? What will happen next? In fact, eight months ago, even when the Internet treasure product of the balance treasure was just born, even the Internet users themselves did not think of such a miracle.

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< p > citizens: the main concern is whether the money should be put on the balance of treasure, whether it is safe or not.

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"P" commentary: worry, no bottom. In last June, when the balance treasure was born, most of us were in such a mood, but only after a month, everything began to change.

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< p > News: on the line for only a month, the number of users of the balance treasure has increased to about 4000000 households, attracting more than 15 billion of the funds.

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< p > commentary: Mr. Li is like that after 80.

Last June, he became one of the first users of the balance treasure.

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< p > financial products users Mr. Li: on the same day, the money was pferred one after another, and began to change one piece, one piece to several times, and later to a one hundred.

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< p > commentary: after several days of observation and understanding, Xiao Li soon put the sum of up to fifty thousand yuan into the balance treasure.

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< p > Mr. Li: fifty thousand yuan, nearly seven yuan a day, the income is pretty good.

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< p > commentary: however, Xiao Li soon entered the ranks of conservatives, and more radical.

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< p > News: in his colleague's balance treasure account, the reporter saw the current balance as high as eighty thousand yuan.

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< p > commentary: the fanaticism of the public is far more than that of the balance treasure asset management Celestica fund.

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< p > Zhou Xiaoming, deputy general manager of Celestica Fund: at present, the net purchase volume will be more than five hundred million per day. The number of customers' inflows will also be about one hundred thousand or about two hundred thousand, which is far beyond our expectation.

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< p > commentary: since then, the momentum of the balance treasure has not gone down, but it has been increasing. It has come out for seven months and its scale is over 250 billion.

After more than eight months, the scale is over 400 billion and the limelight is two.

In such a huge temptation of money, Tencent financial communications, Baidu hundred earned Internet financial products have also come to the stage.

Internet banking seems to be facing an unprecedented explosive growth.

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< p > host: some people describe 2013 as the first year of Internet finance. It can be seen that from June of last year, < a href= "http://www.91se91.com/news/index_s.asp > > balance treasure < /a > appeared. In the following months, Internet financial products were like blowout.

We also did a survey to see why people are so fond of Internet financing.

In the first place, product revenue is higher than traditional way. It is the first place, over 37.76%, who doesn't like to make money? Of course, it will rank first.

The second place is that the funds are limited and the flexibility is strong.

In the past, if I had to put in the money and then take it out, I would be subject to all kinds of restrictions, such as time and so on.

Now there are no such restrictions, breaking the restrictions.

OK, third, low access threshold, small money can also manage finances.

We know that a traditional way of managing money needs to have a threshold. You want to manage money, but money doesn't have to think of you. For example, there is a threshold that you can manage money with fifty thousand yuan. But now we say extreme, Internet banking can make you even have only one yuan in your hand. You want to manage money, people can help you. You see, so convenient, who would not like to? In the fourth place, it is low paction cost, convenient operation, saving time and effort, which is also a very important one.

In fact, there is another one, which is not included here. It is the kind of person who participates in Internet financial management. He can see that his account is growing even a few dollars and a few yuan every day. That kind of happiness and happiness are unparalleled. For example, a colleague of mine is experiencing this kind of happiness every day, which should be said to be a very ingenious way.

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< p > well, what we saw just now is a state of mind.

Next we may as well take a look. So far, the 12 mainstream or main financial products that are active on the Internet, only four of them are sold on the Internet. They are demand treasure, salary treasure, safe profit and cash treasure. Most of them are launched by Internet companies, which is a distribution of nature.

Let's take a look at the most famous balance treasure. The number of users now reaches 61 million, which exceeds 400 billion.

The other is WeChat's CAITONG, which was launched in January 22nd of this year. The fund was raised 800 million, second days, 1 billion, and 6 working days.

We have just passed the figures, and there are some examples of how hot the Internet is.

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< p > next we will connect an expert, Wu Xiaoqiu, director of the Institute of Finance and securities, Renmin University of China.

Director Wu, the heat we introduced just now, what do you think of this fever? Why do people all over the country like Internet banking? < /p >

< p > Wu Xiaoqiu: Internet financial management is a very important part of Internet finance. It is also a product that people care most. It is also a favorite product of people at present. I want to be welcomed by the people. I think there are several reasons. One is its flexibility and convenience. That is to say, the withdrawal is very convenient, there is no limitation of time limit, and there is no limit on the amount, so it should be very important to not say hello beforehand.

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P: host: I'm sorry, I interrupt you, Mr. Wu. We have already listed a few items that we like, which we can think of. Have you seen any deep things that we can't see as an expert? < /p >

< p > Wu Xiaoqiu: the most important thing is that the yield is the highest in the same risk characteristics, which is the most important part of attracting the common people.

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< p > host: is it the most profitable? < /p >

< p > Wu Xiaoqiu: right, because now the traditional finance, especially the savings products provided by the commercial banks to the common people are relatively rigid, for example, there is a time limit, the yield is relatively low. At the same time, if you want to carry out financial management, it has a threshold. It should be said that the products that are paid by the Internet are characterized, and it should be said that it overcomes these defects.

The reason why internet financial products can be welcomed also reflects that our traditional finance is indeed lagging behind and needs to be reformed.

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< p > host: through this kind of heat, often behind the heat will make people realize whether the heat is so risky.

If you want to conduct a professional assessment, if you use low, medium and high levels, what kind of risk do you think the current heat risk is? /p

< p > Wu Xiaoqiu: Internet financial products, like other products of Internet finance, should be new things, because finance itself is linked to risks.

I understand that Internet finance, especially the financial products of the Internet, I understand from the perspective of promoting financial reform. Although it has risks, of course, now it should be relatively large, and it has reached 400 billion. Moreover, other commercial banks are also copying such products, so in this sense, we should take risks into account.

The most important part of its risk is mainly two, one is its basic assets, because the balance treasure must be managed by the fund company finally, the return of the basic assets and the structure of the underlying assets need to be disclosed.

The second point is to match the balance of the basic assets of the balance Bao under such a large scale.

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< p > host: Director Wu, wait a moment. We will have more questions for you.

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< p > just now, director Wu pointed out that finance itself is associated with risks, and Internet financing and Internet financing are even more so.

But for users, is there any risk for investors to let us know? In addition, the risk is large, and whether it can be controlled or not is something that should be known.

Therefore, how to better regulate these financial products is a matter of great concern to all of us.

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< p > citizens: there is definitely a risk. In fact, it is a group buying deposit or a bank credit.

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< p > citizen: I think the risk may exist, for example, the user account password leak, or if the mobile phone fails to do a good job of security measures, the account will be more dangerous.

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< p > commentary: on the one hand, the high income, low threshold and timely and thoughtful service of Internet financial management make people heartbeat. On the other hand, the risk behind this convenience is still everyone's concern.

"The new year starts, immediately raises 7%", this is before the Lantern Festival the balance treasure user receives the mobile phone push, although is a year regular, but 7% anticipated income still lets many users make an appointment, the scene panic buying is very popular.

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< p > Alipay Network Technology Co., Ltd. Zhang Daosheng: the whole activity has just started for 4 minutes, and now 253410 people have already bought it.

This level of fire is far beyond our expectations.

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< p > commentary: however, is there any risk in it? Some industry insiders pointed out that this kind of financial product has some problems such as not detailed introduction and unclear investment.

Specific risk levels and controls are not stated.

In fact, this financial product is linked to two universal risks. The Pearl River wins 1 and Tianan Anxin B. That is to say, whether it is the balance of treasure or CAITONG, it is actually a product jointly created by Internet Co and funds, insurance and other financial institutions.

The difference is that the purchase channel has become an Internet platform, so it also has all kinds of risks of traditional banking financing, and there are many uncertainties.

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< p > Yang Dong, deputy director of the Institute of financial law, Renmin University of China: the technology safety of the platform itself, the risk of various kinds of information protection for consumers, the risk of poor management of the platform itself, and even the whole country's risk and uncertainty for such a regulation and regulation.

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< p > explanation: liquidity is a convenient factor for Internet financial management, but it is worth noting that after the Spring Festival, many people found that the yield of the balance treasure fell, and WeChat's financial management began to shrink dramatically after the holiday. At the same time, users can invest in real time through the touch of fingertips on the cell phone, and there are potential risks for viruses and Trojan horses encountered by mobile phones.

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< p > citizens: the risk may be the network risk, because the network still has some viral influence, or may cause the account unsafe influence.

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< p > Zhang Daosheng: according to our background statistics, at present, the mobile terminal is really stealing, the 99% is because of the Trojan horse, that is, the virus.

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< p > Zheng Hui, security technology director of netqin mobile mobile security company: the software security protection provided by the users is quite weak, that is, hackers can directly tamper with the payment software of mobile terminals.

Like Internet banking and Internet banking thieves, there are still more.

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< p > commentary: previously, there were only a few remaining demand receipts and fifty thousand yuan for bank financing.

Now that Internet financing has 20 times higher interest rate than the bank's current interest rate, it can finally make the small and medium-sized investors feel proud and elated. Can such a high yield be maintained for a long time? {page_break} < /p >

Luo Mingxiong P, vice president of Beijing software and information services Exchange: it's hard to say, but there must be such a point. Then it will be difficult to maintain such a high return on financial returns.

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P: host: everyone likes Internet banking. How can we do better? From an investor's point of view, what I care most about is how it can make me earn more money and do not let me lose money.

Just now, we also said that before the Spring Festival, the financial management of the Internet should be gradual. However, after the holiday, we saw that some adjustment of momentum has taken place. Let's take a look at the balance of treasure. For example, on the 19 and 20 days, the annual yield of 7 days is down, 6.22 to 6.20.

And then find another one, CAITONG. This is WeChat. From 6.38 to 6.34, we see a downward trend. This is what people care about.

Besides, what is the worry besides the income problem? The first thing is the risk of technology safety, such as mobile phone virus and hacker attack.

In addition, whether the regulatory mechanism is perfect and whether the rate of return can maintain a relatively high level for a long time.

If it were not, would it be attractive?

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< p > well, our concern today is not technological risk, because technological risks will eventually be solved by technical problems.

What we are concerned next is very important, one is regulation, the other is revenue.

We continue to connect with director Wu Xiaoqiu.

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< p > Wu director, what people are concerned about is whether money can keep hens laying eggs all the time, and all of them are golden eggs.

But we know that money management is bound to fluctuate.

My question is what kind of ups and downs it comes to. When it comes to which turning point, Internet financing will not have such a great attraction and it will not be so hot. Do you think there will be such a point? < /p >

< p > Wu Xiaoqiu: Yes, it should be, because it depends on two factors. The rate of return of our internet financial products is above 7%, and now it slowly drops to about 6.5%. I think this is the basic trend, because in the time when the interest rate has not been marketization, it should be said that the balance treasure has its great development space, that is, the yield reflected by the balance treasure is actually the scale of interest rate marketization. If we push forward the interest rate marketization, the yield given by the balance treasure is in fact a reference coefficient.

When our entire financial reform, especially the market-oriented interest rate reform, has been pushed forward, the yield of the Internet financial products such as balance treasure should slowly decrease, and the heat will also slow down. This is an important premise.

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P: host: what people are most concerned about is the safety of the funds they put in. Because now, from the past few dollars, hundreds of dollars, thousands of dollars, now people have reached more than tens of thousands and hundreds of thousands of investment. What kind of security do you think this kind of fund security depends on? What are the most important regulators that should be monitored? What areas may be the regulatory authorities should not intervene too early? < /p >

< p > Wu Xiaoqiu: Internet finance, especially Internet financial products, has two bottom lines. We call the moral bottom line and the legal bottom line.

One is that it should not become an illegal financing platform.

The so-called illegal financing platform, these funds do not know its whereabouts, do not know if there is no future protection, we usually call this lack of supervision of illegal financing, which is our bottom line.

The second bottom line is that the Internet's financial products can not turn into a "Pang Shi" scam, taking the proceeds of the new old age capital, these two are the basic bottom line.

Above these two bottom lines, we need to formulate a regulatory standard that is conducive to the development of Internet finance, especially the Internet financial products, as well as to protect the safety of people's assets. This is a major issue we are facing.

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P: host: wait a minute. We will have more questions for you.

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< p > for financial institutions, we should be more open to the Internet now.

For Internet companies, if they want to engage in Internet banking and Internet banking, they should have some prudent traditional financial institutions.

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< p > next, we will pay attention to the future Internet financial management and how to standardize the development of Internet finance.

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< p > commentary: in the face of the fierce growth of Internet finance, many banks started to catch up with the pressure. In January 12th, the industrial and Commercial Bank of China prepared for seven months' easy purchase, the Construction Bank, the business bank, the Bank of communications, and the agricultural bank traders and housekeepers. All of them were open to the Bank of China, and the five big banks will fully join the battle of Internet finance.

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< p > financial expert Ye Tan: now Internet banking comes out, the impact on banks is very large.

The biggest feature of Internet finance is its high efficiency. It can absorb large amounts of capital in a short time.

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< p > commentary: with the layout of Internet financial business, the organizational framework of banks has also started a new round of reconstruction.

Because of the different modes of business development and the comparison of traditional financial businesses, Internet Finance emphasizes the Internet thinking and the importance of customer experience. Therefore, banks have broken down the division of the original electronic banking department and retail banking department, and set up a special department to deal with Internet finance. In 2013, on the basis of innovation research and development department, Bank of China set up an online banking office, focusing on electronic platforms.

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< p > financial reporter from Xi: because now banks have realized that they are an aircraft carrier. Their competitors, Internet Co may be a small boat, and the boat is good at turning around. They think it is time to release a small boat and compare them with these Internet Co to fight for water.

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< p > commentary: in addition, banks have recently launched high yield financial products, with annual yields ranging from 5% to 6%.

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P: from Xi: they are really anxious. Now I understand that many banks are developing some of their new financial products, for example, they want to lower the threshold of their financial products. Before, I may be 50 thousand. Can I have less money later, can I say that I can buy a dollar with Internet Co?

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< p > commentary: however, for these aircraft carriers, the introduction of new institutions and new products seems relatively easy, and even greater changes are still going on.

For example, at present, banks are the main way to finance enterprises, and there is a traditional concept of "poverty and love for wealth".

ICBC president Yi Hui man has said: as at the end of 6 in 2013, the small and micro enterprise loans of the industrial and Commercial Bank of China with a single household financing quota of less than 30 million increased from 143 billion 600 million yuan at the end of 2005 to 1 trillion and 140 billion yuan at the end of 2013 at the end of 2013.

Although the total amount is not low, ICBC's single household financing limit is less than 30 million yuan, even if small and micro enterprises loan, the threshold is still very high.

However, with the rapid rise of Internet finance, the demand for funds of small and medium-sized enterprises, especially small and micro enterprises has been satisfied.

In any case, the traditional banks forced by Internet banking are accelerating the pace of pformation. The public is concerned about whether this competition can promote the in-depth reform of the financial industry, the improvement of regulatory means and the improvement of service level, which will eventually benefit more people.

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< p > host: in the face of Internet financing and Internet banking, many people are happy, but some people are not so happy.

Ma Yun once said that if financial reform and banks do not reform, I will help you change.

You see, they are really helping them.

Director Wu, how can you promote the reform of the entire financial system just like the Internet's financial management and finance? < /p >

< p > Wu Xiaoqiu: China's financial reform should now be faced with a strategic task, mainly in three aspects, one is the width reform, the other is the breadth of reform, and the one is deep reform.

Deep reform is the most fundamental.

The most important feature of so-called deep reform is market-oriented reform, so the breadth of reform is mainly securitization, and the reform of length is mainly internationalized.

In this "three pformation", market-oriented reform is the most important thing, that is, deep reform.

The most important thing is to push forward the marketization of interest rate.

It is very difficult to push interest rate marketization by conscious implementation, so we need to introduce strategic competitors.

The competitor of the strategy, the spoiler is the Internet. The combination of Internet and finance constitutes the Internet finance. It can promote the deep reform of China's financial system.

In the past, our finance had taken profits by monopoly for quite a while. In fact, the essence of finance is to serve the public, and to get profits through services. This is the basic aim. Therefore, Internet Finance in my view, it is the most important role to promote reform, though it is also beginning to have some risk, but we should see its positive energy.

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< p > host: Thank you very much for bringing us these explanations.

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< p > at the end of the program, we will take a look at the Chinese people's "a href=" http://www.91se91.com/news/index_c.asp "bank" /a "vice president Liu Shi Yu's statement in the first two days. He said: to deal with internet banking, we should not only tolerate mistakes, but also guard against risks. Therefore, it is necessary to conduct proper supervision of Internet finance.

The three words of proper supervision should not be underestimated, because Internet finance is a new thing, and it is also a new thing that is getting better and better.

How to protect it while not limiting its development, therefore, how to properly supervise it is very important.

As the Third Plenary Session said, let the market play a decisive role in the allocation of resources, how to make it play a role in the market, and be able to effectively supervise it? This is probably a big problem.

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