Internet Financial Six Mode In 2015 How To Play?

Just started in 2015, together with the prospect.

Finance is the future of this young industry.

If at the end of 2013, many enterprises and capital did not realize this draught, in the past 2014, it was really firepower.

At the same time, in the third quarter of 2014, the scale of Internet Financial benchmarking products declined for the first time, which can be regarded as an important node in the pformation of the industry.

Glory and light fade away from the balance of treasure and Monetary Fund, scattered to the entire Internet financial industry, and now it is finally certain that Internet finance will not become a laughing stock for the "Internet thinking".

The following are the six Internet finance models that I think will make progress in 2015. We need to support the rapid development of the Internet.

First, set fire to

When Alipay is charging users to mobile phone APP Alipay wallet through PC terminal charging, there may be some doubt about the future direction. When Apple throws iBeacon to launch Apple Pay, everyone will understand that the future of payment will be on the cell phone terminal, whether it is bank card or PC terminal, and the most expensive consumer behavior will be eroded by the mobile payment monster.

No cell phone can be captured, no future will be paid.

The third party payment market, once bustling, will have a rare natural monopoly in the financial field. Most Internet companies and financial institutions are unable to participate in this brutal Red Sea competition alone.

Alipay firmly controls the consumption behavior of Chinese Internet users, which can be seen in the ten year bill show at the end of 2014.

But WeChat super APP is in control of the use time of all people's mobile phones. Even if they walk down the altar, no manufacturer is sure that WeChat will not suddenly replace itself.

The 2014 WeChat red pack raid did not have any major impact on the overall situation. Alipay's market share is still rising; but in turn, there is no support from WeChat's social relations chain, and other products will not pose any threat to WeChat's red packets.

In 2015, between the overall promotion of Alipay and the single point attack WeChat paid, I think the outcome is still almost the same as in 2014: there is no major structural change between Alipay wallet and WeChat payment.

The fight between the eldest brother and the second is inevitable.

As for Apple Pay, this fundamentally non trading data only provides a mode of paction channel, theoretically speaking, it has the ability to rewrite competition pattern.

But judging from the reaction speed of the UnionPay and banks, I think the biggest possibility is that Alipay and WeChat accounts can directly land on Apple Pay, and the accounts of traditional financial institutions will continue to be built up by the Internet.

The most desirable scenario for giants to pay for their deaths is the dispute between taxi software. If we do not take into account the value of the two ghosts behind the habit of grabbing mobile payment users, it is unlikely that the district taxi software will be able to burn such money.

Do you guess that you can spend less money or spend money on making a taxi this year?

Two. P2P waiting for the landing of another boot.

It was expected that in the second half of 2014, there would be P2P with clear regulatory rules and industry reshuffle, and this was a great fear to usher in 2015.

Like the one-year period, various directional regulatory opinions on the P2P industry continue to emerge. Clear laws and regulations do not appear, so that the whole industry is still unable to draw a clear line with the crime of illegal fund-raising.

Everyone knows that the P2P industry is too crowded. A lot of capital has entered the P2P platform throughout the country. There is no need to consider how to make a profit and how to control the wind. As long as you can stand up the site, there will be a dare to find a high income asset and a high income user to take out the real silver.

Such a mess can not be improved by self-discipline.

It can be predicted that there will be more and more enterprises entering the P2P field in 2015.

According to common sense, the direct financing mode of P2P and the indirect financing mode of banks are logically contradictory, and there should be no direct conflict between them.

But in China, banks are still the biggest financial assets owners, and former trusts and brokerages have all taken the role of bank assets.

The asset size of the P2P industry is still too small, just like the balance treasure before five hundred billion has never seen growth bottlenecks, it is necessary to achieve enough scale to see how far the P2P model can go in the future.

Even though the attempt of the package bank and China Merchants Bank on P2P has been suspended, there will be more and more connections between banks and P2P in 2015.

For example, the recent capital trust agreement between CITIC Bank and Yixin is the first time that banks have been involved in P2P capital trusteeship.

Once there is a clear regulation and regulation in this field, it is possible to find a large bank to provide capital trusteeship endorsement. It will immediately become the starting point for the P2P industry to shuffle. Now, relying on P2P business, small third party payment will be destroyed.

Three. Traffic traders who take advantage of the draught.

Many projects, known as Internet finance, say that the Internet is an innovative financial channel, but in fact it is a group of traffic dealers.

The most typical example is that portals have started the business of financing and P2P.

It is not convenient to call the names, but what do these websites rely on for news making to do financial strength? In the final analysis, this is nothing more than the realization of the flow of traffic in the hands.

The same portal advertising has been gradually shrinking, so it is absolutely the best choice to maximize the benefits of maximizing the brand of news and the flow of money it has imported into its own brand.

In 2015, under the banner of "financial management", there will be more and more activities to realize all kinds of resources in the Internet financial field.

Portals can sell brands and sell traffic. Small websites and APP can directly sell products with rebates. All kinds of company resources can be invested in this industry, even if they are not profitable.

Sina micro wealth for about fifty million bad debts reveal that the whole industry is very low risk? On the contrary, rigid payment will only make the risk more concentrated. We will be able to see the cleverly cut cases of maternal and debt in 2015.

Four, looks very beautiful credit and financial data.

With the opening of Tencent and Ali led private banks, credit reporting and big data will become a hot topic in 2015.

In the long run, the significance of these private banks is very far-reaching. However, how to develop in 2015 is still very worrying.

What's more, in addition to credit cards, Jingdong's white stripes and Ali flowers, private banks are trying to exert their strength in the personal consumption field. The personal loan area has long been the P2P industry's Red Sea that will move between peers. It may be caught between commercial banks and Internet financial companies.

Big data has become a fig leaf.

If you really want to use this technology, you can only analyze and accumulate data collected in your hands without complicated models.

As to whether the result is right and whether it is a real big data, it will not be known.

In 2015, we should be vigilant against every company that claims to use big data. If it is not for data accumulation and mastery of new technologies, the term "big data" is likely to be a cover up for covering short boards or loopholes.

Five, from equity reduction to pre-sale of electronic products.

Crowd raising has been placed high hopes in the domestic market.

However, after frequent setbacks in the stock market, the domestic crowd can not even replicate a Kickstarter that can provide the stage for the whimsy. Instead, it quickly falls into the electronic product market with high speed replication and fierce competition and becomes a pre-sale website attracting attention.

If foreigners really want to go through the crowd raising website to realize their whims, the result may be that you must have the strength to produce products first, or more powerful manufacturers will help you create your creativity.

Even so, the crowd raising in 2015 is still a very noteworthy area.

Even the pre-sale crowd is likely to become an interest community that aggregates user traffic instead of simply consuming traffic.

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As for the equity class public financing, it is still necessary to wait for regulatory policies to be released before qualifying for business models.

Six, the bitcoin that glittering technology.

When bitcoin was the craziest in 2014, I had a lot of debates with bitcoin experts.

In the debate, I was surprised to find that those experts who believe in bitcoin lack basic financial knowledge, not only think that deflation has not happened, but even dare to say deflation is not a big deal.

It is precisely such a group of Chinese speculators who have counted Zhong Ben Cong on the hope that everyone can use their home computers to participate in the bitcoin mining system guaranteeing free trading and clearing.

Bitcoin may fail, but the algorithms and ideas left by Nakamoto So and other top hackers will not fail.

As a thorough attempt to centralization, bitcoin is just the beginning.

In the years when bitcoin was fired, all kinds of Shanzhai coins and new models did not stop development, and all kinds of algorithms were constantly improved on the basis of bitcoin.

If the new algorithm can find a balance between centralization and the introduction of financial institutions as the center, I think there will be great new products.

Because of this, I put the bitcoin recently a little disappeared in the last place.

The Internet in China is not short of enterprises that can earn large sums of money, nor does it lack the high executive talents who quickly introduce and improve the business models. It is more than lack of executives who constantly provide inspirational chicken soup. However, there is only a lack of new ideas and new algorithms like Zhong Ben Cong, and hackers who open up a whole new world for the Internet.

I hope that we can predict the innovation of Chinese hackers early in the prediction of the Internet financial business mode.