Analysis Of The Ten Hotspots Of Internet Finance In 2014

What major events did China's Internet finance take place in 2014?

　　 I. Internet. Finance An unstoppable share of the economy, 2015

The essence of shared economy is the full use of resources, and the development of the Internet and mobile Internet is a strong link to speed up the operation of the economic system. In this economic system, assets previously considered impossible or difficult to obtain large amounts of income have created new markets, just like online shopping, just like Internet finance. Unlike online shopping, Internet finance has just shown signs of attracting a large number of investors and entrepreneurs into the field, which is completely different from the beginning of e-commerce.

Of course, this depends to a certain extent on the rapid development of information technology and the early acceptance of the Internet by users. However, although the Internet finance is generated in the right time, the success of the Internet ultimately depends on the way we use the industry to grow up, and its key lies in the value concept behind it.

China's Internet finance has developed rapidly. In the short span of one year in 2014, the amount of Internet Finance entrepreneurs has been increasing again and again, and all kinds of Internet financial products springing up have dazzled users. We have seen the development value of this industry, but the situation of savage growth should be slowed down.

2015 is bound to be the year of Internet financial industry for more thinking. At present, the development trend of barbarism will be alleviated actively or passively, and whether it can really go on the right track of development, there are still many thorns on the road that need to be crossed by internet financial practitioners.

　 Two.P2 P Market Industry quickly shuffle, 2015, continue to explore the way ahead.

In the 2014 year of the year, P2P not only continued to attract countless investors to enter, but also the P2P platform has won the favor of all kinds of big capital. In the first quarter of this year, including investment in love, investment for everyone, building blocks, and pat lending, all the platforms received a large amount of investment into the second half of the year. The P2P platform entered a phase of crazy financing for several platforms in a month. In July alone, 8 platforms acquired tens of millions of dollars and billions of dollars in investment.

According to incomplete statistics, from January to October, more than 30 P2P platforms have been invested. It must be noted that many of these platforms are newly established platforms. It is only 3 months from the online financing to the short fuse network, but the A round of the bank's network is less than a year away.

Such a rapid and extensive market, especially in high-risk financial sectors, is more or less alarming. However, it is worth pondering that in addition to the influx of private enterprises and venture capital, enterprises with background of state-owned assets have set foot in P2P, which is also a major feature of Internet finance this year. Zhongxin finance, Jin Kaidai, Dezhong finance, Jin Baobao, Beijing Jin Lian and other platforms were all state-owned shares.

The influx of state capital has attracted many people in the industry to interpret this as a harbinger of national attitudes and easing policies. This has solved the problem of "P2P" policy risk that has been pending. But the seemingly prosperous P2P market is actually surging. At present, most of the P2P platforms can only be said to be P2P financial institutions, and most of them are not qualified. Therefore, the policy will be further standardized and improved, which will largely make the development of P2P industry healthier. But the introduction of strong capital such as state-owned capital undoubtedly proves the value of P2P existence and development.

In addition, P2P is forced by the situation to make bigger and stronger competition in the industry. Attracting more funds will undoubtedly greatly enhance the strength of P2P. At the same time, it also quickly pushed the P2P blue market to the Red Sea. Not to mention that more than 1400 platforms are competing for more than 50 investors in the P2P industry. Competition can not be said to be tragic. Just now that more and more homogenized services and financial products are available, the P2P market will eventually be faced with a big battle that can not be overcome by two tigers. The "thousand P war" which is similar to the "thousand regiment war" will be in sight.

Three. Third party payment: take the road of curve, mobile is the future.

In regard to the third party payment, UnionPay has strong voice in the market no matter how early or late. Liu Gang, the executive vice president of the remittance world, responded to Article 79, a sentence of "four years of walking for two years, and we took the punishment of the central bank." Let many third party payment enterprises feel a burst of acid.

But it has to be said that the central bank's "embarrassment" has also promoted the introspection of the third party payment industry. POS machine illegal cash, illegal use of low rate industry business category code and other issues frequently broke out, let many people understand slightly the central bank always jump part of the reason. Even in September, the central bank once again punished the four institutions of remittance, Fu Fu, Yi Bao and entourage, and ordered the withdrawal of four Payment institutions from some provinces and cities.

In the face of the "third party payment market which is changing more and more chaotic", on the one hand, the aggravation of the industry competition has led some enterprises to spoil the industry in spite of the risk of recruitment. It is estimated that the rhythm of the future big wave curve will not change much. But how to get the favor of the market and take the right road is the main thing.

Four. Crowd raising: return to reason, subdivide fields, and speed up the process of entrepreneurship.

Compared to the crowd raised websites built in 2013, the situation of crowd raising in 2014 has been much more rational, and the market situation of the industry has gradually become clear. Although small scale crowd raising is still the mainstream, many VC and PE have begun to notice the crowd raising business, and the competition for public investment angels has become increasingly fierce. In addition, according to statistics, the investment and financing cases from 2014 to date are only less than 10%. The amount of cases is less than 1 million 500 thousand yuan, and the average amount of angel wheels has far exceeded the 500 thousand ~150 yuan range that people usually know. And public investment and investment gradually become Wind pitch A trend of entrepreneurship.

Besides big venture capital, there are more and more gameplay, and the content field has gradually extended to various fields, such as art, film and television, music, publishing and so on, and even has created a pattern for people to build hotels and buy houses. We have seen the crowd raising so that many entrepreneurial projects are better able to survive, and more and better and more creative ideas can be displayed in front of the public. But at the same time, shareholding chips are still hovering on the edge of the law, and how to land the public chips, how to fall and stabilize, there are still many problems to be solved.

In the end of 2013 to the beginning of 2014, a group of publicly funded websites were disastrous ended in the absence of people's attention. With the upgrading of the public funding platform, such as platform project display and experience, on-line project screening and market acceptance, the congregation platform needs to be worked hard, and the settlement of these problems will largely determine the survival of the congregation platform.

In 2014, the crowd raising websites began to transform or move towards more subdivided fields. The roll call time was transferred from the crowd raising website to the intelligent hardware pre-sale platform, and the platforms such as the dream network and the crowd raising network were obviously more inclined to the fields of culture, science and technology, public welfare, film and television and so on. Baidu, Ali and other big guys joined the crowd raising, but only started from a very subdivided one or two films and TV works. The entry of bigwigs will greatly enhance the cultivation of the market. But are all projects suitable for the use of crowd raising? Not necessarily. In the future, the direction of public funding may only be in those one or two areas.

　 Five. Bitcoin: the market has not yet been clarified, and still exists in the ivory tower.

In 2014, bitcoin maintained the characteristics of roller coaster development, but in general, it gradually stabilized. In March this year, the central bank issued a notice to further strengthen the risk prevention of bitcoin to all branches. It banned domestic banks and third party payment institutions from offering services such as opening, recharging, paying and presenting for bitcoin trading platforms. It also requested banks to close their bank accounts for 15 largest bitcoin trading platforms before 4 15, and cut the link between financial institutions and bitcoin bubbles. Therefore, bitcoin has plunged into an unprecedented downturn worldwide. (PS: at the same time, it is also proved in the industry that China is indeed the biggest player in bitcoin market, Amen. However, the price of bitcoin has gradually picked up on the trading platform of various countries, and then it has been ups and downs. In June, it fell slowly and recovered slowly. The 9 month fell 30% and then picked up again. In October, it just dropped. It is estimated that it will recover soon.

The two attitude towards bitcoin is the fundamental reason for its price. One is its subversive significance to finance and currency, and the value of collection of scarce aggregates. In the long run, the appreciation is positive. But another attitude corresponds to the policy risks that can not be predicted by bitcoin, which has long been enveloped in the dealer's trading and dark trading. Of course, they all understand. Bitcoin as currency wide circulation is unrealistic, but as collections and small circulation is really excellent. However, it is clear that in the short term, the entangled attitude of speculators will still make the bitcoin market a "roller coaster" development trend.

　　 Six. Internet Banking: digging deep into the needs of small and micro users, looking for new development pain points

After the mushrooming period of the "treasure" products in 2014, the trend of the straight line of yield has gradually leveled off, and a slight concussion has become the norm. But it has to be said that "the financial management of the baby" has made more money on the hands of the users also have access to financial management, but when the platform is bigger, this initial heart becomes blurred.

"Tiger head" has brought a lot of users to financial management. However, as the traditional financial industry has not yet formed a mature financial chain and controls, the "treasure" products have gradually abandoned the way to fight the rate of return. In addition to fund management, insurance, real estate, consumer travel and bills have become the new direction of Internet financial management, and the most important feature is the "low threshold and wide range", but the ideal is very plentiful, and the reality is relatively skinny. It can be said that Internet financing is in the development process of trial and error.

As the "big treasure" product, the balance treasure cooperates with China Telecom in the "0 yuan purchase", and has also launched a new function: the lottery has been voted "never stop color". Recently, it has launched Yu Ebao's subscription to real estate, which is to make a difference. There are other clothes that are wrapped in financial products. Actually, it is doing something else: "wal Pak Fu" - the communication and financial products launched by Guangdong Unicom and Baidu. That's right. It's money management.