Brokerage Business Accelerated Grading Fees Internet Financial Promotion Industry Pformation

The industry insiders interviewed by reporters P said that since last year's off-site opening of a href= "http://www.91se91.com/news/index_q.asp" > policy > /a >, the securities industry has officially opened the Internet financial era characterized by online accounts and online pactions. With the gradual pformation of brokerage business, the graded charging mode that has been advancing slowly is also expected to accelerate.

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< p > wan 2, account security margin, high quality consultation, < /p >

< p > "2 of the stock market is not acceptable, professional services are guaranteed" < /p >

Editor's note: Huatai Securities launched the marketing campaign of the online commissions based on "Wansan", which launched the first battle of the Internet companies to seize new customers. The state securities company last week took the "Commission treasure" to attack the potential of "wan2" zero Commission last week. "P"

According to industry sources, a number of brokerages held internal discussions last weekend to deal with them.

Obviously, more brokers will follow up the zero Commission war.

Is the introduction of a zero Commission really a way for brokerages to abandon their own businesses? < /p >

< p > from the perspective of the two brokerages who have started the price war, Huatai Securities is a comprehensive wealth management mode based on service pricing. The state securities is based on the "channel + financial products" mode, which represents the two market strategies of large brokerages and small and medium brokerages in the Internet Financial War.

The price war may bring about a win-win situation in the pformation of brokerage business and profit making investors.

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"P", since Huatai Securities first launched the "Wansan" account in October last year, the state securities company recently joined Tencent in launching the "wan2" online account product, and the brokerage business channel cost opened the era of "zero charge".

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< p > channel business zero charge obviously does not represent the zero charge of brokerage business. Huatai Securities Based on service pricing comprehensive wealth management mode, the state securities company's "channel + financial products" mode represents the two major market strategies of large brokerages and small and medium brokerages in the Internet financial war.

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P, an insider interviewed by the securities times, said that since the open policy of off site trading was opened last year, the securities industry has officially opened the Internet financial era characterized by online accounts and online pactions. With the gradual pformation of brokerage business, the graded charging mode that has been advancing slowly is also expected to accelerate.

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< p > < strong > Internet Finance > /strong > /p >

< p > < strong > breaking the ticket store pool < /strong > /p >

< p > fortress is most easily broken from within. At present, the breaking of the Securities Commission union is no exception.

On the surface, it is the result of fierce competition among brokerages. In fact, it is the self pformation of brokerages under the tide of Internet finance.

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< p > the history of online securities trading in China started in 1998, and then in April 2000, the Securities Regulatory Commission promulgated the Interim Regulation on online securities commissioning, which standardizes the online securities entrustment business.

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From P to March 25, 2013, investors can only conduct off-site trading through Internet trading terminals. Securities accounts must still be opened to the outlets of securities dealers. At that time, the securities industry can be called semi Internet.

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< p > in March 25th last year, the company issued the Interim Measures for the implementation of the securities account's off-site accounts, allowing the implementation of off-site accounts such as witness accounts and online accounts.

Up to now, dozens of brokerages, including Huatai Securities, Guotai Junan Securities and Qilu Securities, have obtained the qualification of online registration of digitally certified companies in China, and have started to open accounts online, and Internet banking has finally landed completely in the securities industry.

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"P > Internet companies rely on the Internet spirit of" openness, equality, cooperation and sharing "and strong market awareness and customer awareness, prompting various forms of Internet finance to show great vitality, develop into an important financial force, stir up the entire golden circle, and also begin to push the pformation of the financial industry and change the past development path.

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The law of the Internet industry has been playing a role in the securities industry rapidly. For example, the marginal cost of the Internet industry has been decreasing continuously. It is not surprising that some of the more forward-looking brokers take the lead in offering low P or even zero Commission.

The industry expects that more brokers will join the market in the future.

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< p > Huatai Securities responsible person said that since last year, the Internet < a href= "http://www.91se91.com/news/index_cj.asp" > Finance < /a > has stirred up the development path of the securities industry, and the trend of the whole industry's Commission level decline is irreversible.

Huatai Securities, with the development thinking of Internet finance, innovatively develops marketing, rapidly introduces increments, fully exerts economies of scale, and achieves win-win through professional wealth management services and investors.

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< p > reporters learned that customers who have opened accounts on Huatai Securities through personal computers (PC) or mobile phones, even those who settled in Shanghai Wuding Road business department to choose 3/10000 basic Commission, can also enjoy the standardized service of Zijin housekeeper, and may choose Huatai Securities near the country's more than 230 business departments to handle gem, margin trading and other businesses.

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< p > besides, according to media reports, securities companies such as Debon securities, Ping An Securities and Qilu Securities are also considering the layout of new businesses, and the scale effect can be achieved through the introduction of low commission online products.

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< p > < strong > service pricing mode < /strong > < /p >

< p > < strong > will become the mainstream of the industry < /strong > /p >

Another feature of P Internet service is to increase revenue by reducing channel costs and increasing value-added services.

This is embodied in Huatai Securities and state securities, which have launched "Wansan" and "wan2" online account products.

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< p > "we have noticed the recent market concern for the Commission. The strategic development goal of Huatai Securities is not to become a discount broker. The online account opened by the company is only an entry to customers for professional services. Our goal is to integrate the service resources of the Internet platform and business outlets to provide customers with a comprehensive financial service."

Huatai Securities brokerage business relevant person in charge told reporters.

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< p > service pricing is the trend of the times. As early as 2011, Huatai Securities has gained the approval of the regulatory authorities based on Huatai Zijin financial service system to achieve differentiated service charges, and investors have also benefited from it.

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< p > according to the reporter, Huatai Securities has introduced the charging mode of service pricing when it launched its online self-service account opening business. According to its own needs, customers can choose different service packages independently in the process of online self service account opening.

It is noteworthy that since the opening of the online self service account, some customers have chosen a service package with higher commission.

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< p > "mature" a href= "http://www.91se91.com/news/index_c.asp" > investors < /a > will benefit from margin trading when market expectations are bad. Commission is a negligible cost. They need us to provide comprehensive securities brokers such as coupons and investment advice. This is not done by many small and medium-sized brokerages.

A customer manager of Huatai Securities told reporters.

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< p > therefore, the way of low commission channel to attract customers and wealth management to achieve revenue is obviously more in line with the law of the development of the securities industry.

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< p > it is understood that the pricing mode of Huatai Securities Pricing is based on Zijin financial service system. The system has two major brands: Zijin housekeeper and Zijin private consultant.

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< p > the Huatai Securities Zijin housekeeper provides standardized services to meet the basic needs of investors for pactions and information. Zijin private consultant is personalized and differentiated value-added services based on the Zijin housekeeper's standardized service, aiming at different characteristics and financial needs of investors, customized to each customer's personalized service packages, and even helps to find out the crux of investment failure by tracing back the history of customer pactions.

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< p > besides, Huatai Securities launched the "daily hair" margin management product and a series of financial products in 2012 to provide value-added services for investors. More than 6000 professionals from more than 230 business departments are also convenient for customers to enjoy specialized financial services nearby.

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< p > and the online account opening mode of state securities can be summarized as "channel + financial products".

According to the relevant personages of the state securities company, "Commission treasure" in addition to the launch of the Trade Commission to break down the industry's lower limit, it also provides the corresponding money management products for the account margin balance.

The industry said that the state securities clearly adopted the business mode of attracting customers through free channels and gaining profits through financial services.

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< p > customer classification system < /p >

< p > is the key to success or failure. < /p >

< p > the premise of grading fees is graded service. The premise of grading service is to understand customers and help customers understand their different needs.

However, there is no IT customer classification system that categories customers scientifically and efficiently extracts customer needs. Serving millions of customers can only be utopian.

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< p > the customer classification system of Huatai Securities is undoubtedly ahead of the industry.

In 2007, when almost all brokerages focused on market share competition, Huatai Securities started to build a background management system for the whole company. Customer Relationship Management (CRM) system is the most important part: "if there is no unified and efficient backstage, there is no unified resource docking, no sort of customer paction records, no detailed classification of customers, brokerage services will be impossible."

Huatai Securities executives talked about the decision of the year.

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< p > since 2007, Huatai Securities CRM system has completed three phases of construction. At present, the system has implemented classified management for all customers, and the customer data coverage rate has increased year by year.

Through combing the massive data, fully understanding the needs and risk preferences of different customers, providing accurate customer diagnosis and investment advice for customers, this is a key step for Huatai Securities to return to the essence of service industry.

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< p > Huatai Securities attaches great importance to technological innovation and customer experience. As early as 2009, two mobile Internet based mobile clients were designed and developed, including Zijin financial service system and mobile phone.

In 2013, Huatai Securities launched a new version of the development and design of the GL mobile terminal, which will be launched in the near future, and all investors can download it free of charge.

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< p > Internet experience is king.

In order to maximize the customer experience of happy Lok Tong, Huatai Securities has hired the Internet experience company to participate in product design and development. Huatai Securities staff research and development team revealed that "we should continue to learn from the excellent Internet Co, focus on user experience, continuously optimize product functions, co-ordinate offline resources to meet the needs of investors, and accept continuous testing in the market competition".

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< p > it is reported that GL has provided customers with one-stop service of life cycle and variety.

If users want to become customers of Huatai Securities, they can complete the account opening process in 2~10 minutes through the "online account" column.

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When p becomes a customer of Huatai Securities, customers can visit the "palmtop business hall" to handle all kinds of business conveniently. It can also conveniently complete the investment of different financial varieties, such as stocks, funds, Zijin financial products, bonds, margin trading and new three boards, and funds pfer.

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< p > the relevant person in charge of State Securities said that the customer classification system and service system of state securities will be completed by Tencent, including architecture design, platform development, function positioning and product planning.

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< p > Shao Ziqin, chief researcher of the CITIC Securities Research Institute, said that Tencent led the docking of the system, which is beneficial to the customer experience of the state securities system. But we should pay attention to whether the carrying capacity of the IT system of state securities is matched with Tencent.

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< p > < /p > low commission.

< p > below the line strength competition < /p >

< p > a manager of a brokerage business in Shenzhen told reporters that although the online self-help account business is very convenient, investors should be cautious when choosing brokerage firms, and can not simply focus on the minimum commission.

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< p > the ability of subsequent follow-up services of securities companies is an important decision index. The two business operations, opening up innovative businesses and sales outlets all need to be handled at the outlets. At this point, it is still to be observed whether the service ability of small and medium-sized brokerages with fewer outlets can keep up.

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< p > brokerage revenue is still an important source of income for securities companies. The Commission of "Wan 2" has already approached the "lifeline" and is basically unprofitable.

"Open source" is an inevitable choice through matching product sales and other channels. If investors do not have similar financial needs, there can be no need to open or pfer online for ultra low commission.

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< p > analysis points out that the battle of the Internet industry will continue to heat up. Huatai Securities's comprehensive wealth management mode based on service pricing and the mode of "golden channel plus financial products" are still difficult to judge. The former pays much attention to independent research and development, while the latter relies on external cooperation. However, there is no doubt that only the more thoroughly pformed securities companies can get rid of their blood and win the market.

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