Electricity Supplier "Kill" Consumer Finance Battlefield

　　 JD.COM "Campus white stripes" appeared to help students to "pay first and then pay". On the 22 day, Baidu jointly released the first film mass consumption platform with China Film holdings, CITIC Trust and Beijing de Heng law firm, "100 Hair Show", plus Tmall has launched "installment payment".

It is understood that "Jingdong ious" began in February of this year, that consumers can purchase the personal loans of up to 15 thousand yuan in the Jingdong shopping, and pay the installments in 3-12 months. " Campus white "Jingdong is the second" white strip "product, and is being experimenting in key universities.

"As a member of the online shopping force," Consumption ability Limited. But the number of students and potential consumption potential in the future should not be underestimated. " Qian Haili, assistant analyst at the China Electronic Commerce Research Center, said that electricity providers have arranged consumer finance, and more are using "consumption as the Bureau and finance as chess" to grab customers. In the future, more Internet Co and traditional financial companies are expected to join the battle of consumer finance.

Risk warning

Qian Haili believes that the electricity supplier layout consumer finance industry, four risks have to guard against:

Regulatory risks at present, Internet financial laws and regulations have not yet landed, and there is no clear definition of regulation.

Credit risk e-commerce companies have not entered the central bank's credit reporting system in the form of consumer finance.

Product risk is currently only 3% of domestic banks' loans in terms of consumer financial instruments for daily consumption. The concept of consumption in China determines that the concept of early consumption is low, and the development path of consumer finance is still long.

At the beginning of the year, Jingdong opened 500 thousand public survey places and the highest level was XinDa 15 thousand. If it was calculated on the basis of an average of 10 thousand yuan credit, Jingdong would have to pay 5 billion, while the total liquidity of Jingdong could not exceed 20 billion.

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"I am on the spot" reported on Wednesday, Ma Yun local time on Tuesday evening appeared in the Clinton Global Initiative annual meeting, and the former US President Clinton family and American business leaders talked about the feelings of the listing. When it comes to Alibaba's success, Ma said: because China's trade structure is too bad, it gives Ali opportunities. The US trade infrastructure is very good, so in the US, the electricity supplier is a dessert, but in China, the electricity supplier is a main course.

Ma Yun said China's trade structure is too bad. It takes a little courage. Although China's trade structure or system and legal environment is indeed poor, this is not a secret, but for business leaders like Ma Yun and the new rich, it is worth praiseworthy to say that it is commendable to say such an open secret on the American territory. I even think that Ma Yun's evaluation is an open "report" to the Chinese government in charge of business and trade development.

Although Ma did not specify how China's trade structure was rotten, where it was rotten, the Chinese people still had some practical feelings about it. In a big way, China's market economy system is far from real or completely established. Otherwise, we will not continue to deepen reform now.

Then we will never say that our reform will enter the deep water area. We will not emphasize again and again that our goal is to establish a socialist market economic system. In short, only by establishing a standardized and perfect market economy system can our trade structure be "rotten", or at least "not too bad". It is possible to give everyone the chance to create wealth, instead of just letting a few smart alibabs have the opportunity to take advantage of it.

Last year, when President Xi Jinping met with Obama in the United States, he said, "the Chinese dream is a dream of peace, development, cooperation and win win in order to achieve national prosperity, national rejuvenation and people's happiness". It is connected with the beautiful dream of the peoples of the world, including the American dream. We should realize the meaning of the "China dream", and we should also include a "bad" or even "too good" trade structure, so that all ideals and aspirations of Chinese people can achieve their own good ideals.

This is from a macro perspective. From a microcosmic perspective, China's trade structure is "too bad", which is also manifested in Ali herself. For example, how much fake and inferior things are on the top of Taobao (familiar with "one thousand and one nights" readers should know that in the eyes of Arabs, Alibaba is actually a smart thief), but they can go all the way across Ali's territory.

Ma Yun told the truth, Ali's success is really thanks to the "trade structure is too bad"; otherwise, Taobao has so much popularity and scale of transactions -- this is the biggest secret of Ali's wealth.

Ma Yun is wise. He knows that Taobao can never be prosperous forever, and his chances in this regard can not be forever and exclusive. Nor can he always rely on the "bad trade structure" to develop his own business empire. Therefore, I believe his "report" is sincere. Do the authorities read Ma's implication?