Internet Fund Sales Platform Speed Shift Shift Crazy Growth Is Not A Thing.

In the year when Internet Finance continued to deepen, pcripts in different subdivisions showed different performances.

Based on the absolute advantages of product awareness and market demand, the Internet fund sales platform has gone through a crazy growth: the scale of product sales has surged, and the camp of fund sales qualification has expanded rapidly.

However, too many dieters also lead to intensified competition in the industry. The price war and the scale of the platform are also very popular.

"Most of the Internet fund sales platform's survival is not ideal, homogenization is serious.

Survival or destruction depends on whether it can bring unique value to investors.

Dai Hongkun, chief analyst of Shanghai Securities Fund Evaluation Research Center, said that the Internet fund sales platform can be served from the channel end.

The terminal will be differentiated, and the specialized service and differentiation strategy will be the way to break through the Internet fund sales platform.

The rapid rise of the middle class has enabled the wealth management industry to quickly accumulate and superimpose the dividends of universal financial management.

"Fund investors always have two pain points, that is, the investment cost of the fund is high and it is difficult to choose when facing a large number of funds."

On the forum of "new finance helping the new economy" sponsored by Datai Jinshi, Dai hung Kun said that the high cost of investment is a pain point in the traditional fund sales channels. High management fees, long redemption cycle and inconvenient conversion between different fund companies are all reasons for pushing up the cost.

Zhang Xiaojun, a spokesman for the securities and Futures Commission, concluded that in the middle of the year, the fund management company continued to strengthen cooperation with Internet companies and expand the fund sales channels since the second half of 2013.

On the one hand, fund management companies cooperate with the third party payment institutions to launch business innovation based on money market fund products. On the other hand, fund sales organizations set up fund sales outlets on the third party e-commerce platform, directly facing third party e-commerce platform sales funds.

Dai Hong Kun also said that some initiatives of the Internet fund sales platform are attractive to investors, but it is still difficult to improve the user stickiness by pure rate competition. "

Moving in different platforms, where the lower cost will go, will eventually be detrimental to the healthy development of the whole industry. "

More than that, the challenges of traditional channels such as product screening and accurate recommendation have not been well resolved on the Internet platform.

"Some big platforms do not even care about professional services, they emphasize the channel advantages of the platform and pay attention to traffic, but they are not doing professionally."

Dai Hong Kun said that the Internet Fund platform was caught in the pursuit of efficient and convenient channel advantages, but speed and information breadth could not enhance the effect of fund investment decisions, but on the contrary, it would cause more problems.

At the same time, with the increase of fund types and the emergence of more complex financial products, the platform advantage that used to attract investors quickly and efficiently has also weakened.

"If we only attract investors through premium rates, we will get good results in the short term. But the low paction cost of customers is based on more alternative channels, and the customer stickiness is not high.

Internet fund sales platform to survive in the confrontation with traditional sales channels, it is very difficult.

Dai hung Kun said.

Speed adjustment and differential reduction

"Banks have begun to strengthen professional consultancy services for fund sales, and the Internet fund sales platform should strengthen professional advisory services."

Facing the short-term bottleneck in the rapid development, Dai Hong Kun regards professional services as the first step of the Internet fund sales platform.

Behalf of Hong Kun to express the future

Will become more mature, Internet financial institutions will be more concerned about the needs of investors; from the point of view of Internet financial institutions, specialization and refinement will be the inevitable process of its development.

This inevitable trend is implemented in products and services. Internet financial institutions need to make corresponding adjustments in response to the needs of customers, and more and more differentiated products will continue to emerge.

In its view, the Internet fund sales platform must be adjusted to complete the shift, but "professionalism" does not require the platform itself to screen out the best products, but to enable investors to find their own type of funds, understand the risks and benefits that investment may face, and "have a clear understanding of the characteristics of the selected funds, can reflect the value of research services."

Through the professional screening process, the Internet fund sales platform should also strengthen differentiated asset management.

Dai Hong Kun said that Internet fund sales can be differentiated from the channel end and asset management side.

"On the channel side, the Internet fund sales platform can have a logical classification guidance to investors.

We can first select the categories of funds, narrow the scope of alternative funds, and guide investors to locate the fund types and funds that are most suitable for their own risk preferences through fund screening tools and fund style identification tools.

The innovation of mode and the advantage of channel are also fully reflected in the growth rate of Internet fund sales scale.

Ai Rui consulting has released statistics that China's Internet fund pactions in 2014 amounted to 61947 billion yuan, an increase of 175% over the same period. It is expected to maintain a growth rate of around 25% in the next few years and reach 15 trillion yuan by 2018.

But during the crazy growth process, problems and problems were also exposed.

Internet fund sales have brought some impact to traditional sales channels, but it has also stimulated competition in the industry.

"At present, some Internet fund sales platforms charge only 90 percent off of the purchase rate, and some platforms have greatly reduced the time period of redemption fund arrival."

Dai Hong Kun revealed.