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600400股票行情_当利率市场化来敲门(2014-09-13)


600400股票行情——信雅达

  互联网金融迎合了长尾的需求
  红色周刊:互联网金融和金融互联网有什么区别吗?

  邓建鹏:互联网金融以满足个性化、多样化的需求为核心,以技术升级为基础。在此之前,银行贷款等金融产品大多是标准化产品。银行在设计这些产品时,首先把自己作为出发点。20世纪90年代以来,金融机构互联网就是基于这一理念发展起来的。互联网金融主要是从客户的角度推出产品,比如余额宝。因此,传统的互联网金融与现在的互联网金融存在着差异,未来两者的差异可能会越来越小。
  Red weekly: what do you think is the essence of Internet Finance?

600400股票行情——冠群驰骋

  Lei Yao: the essence of Internet finance is still finance.Internet payment, online lending and crowdfunding are all Internet finance.They are still the improvement and extension of existing financial products and services.Some new ideas, business models and technologies of Internet bring new opportunities to the development of financial industry.Finance is a service industry.For consumers, no matter who provides it, the final demand is good service.

  Deng Jianpeng: the essence of Internet finance is to use Internet thinking and Internet technology to provide financial products and services.It includes the concepts of sharing, equality, democracy and cooperation.The driving force of Internet finance development comes from private finance.The important reason why Internet finance has vitality is that it caters to the needs of 80% long tail customers abandoned by traditional finance.
  Red weekly: what role will Internet finance play in China’s economic structure?

600400股票行情——025000

  Deng Jianpeng: first, to promote the marketization of interest rates; second, to bring great impetus to the reform of the financial industry; third, to make up for the shortcomings of traditional financial institutions, especially to provide financial products and services for people who do not attach importance to traditional financial institutions.
  Red weekly: can you give us a brief overview of the current Internet finance models in China?

  Lei Yao: at present, it can be summarized into three typical types of products and services: first, traditional financial institutions and quasi financial institutions provide services through the Internet; second, electronic payment and its extended services.Non financial institutions are gradually mature in the market segments such as bank card bill and Internet payment, and the trading channels are also extended from online payment to mobile payment, TV payment, Internet payment and so on Third, new forms such as online lending and crowdfunding are emerging.

600400股票行情——000875

  The combination of Internet industry is not suitable for rapid development.There are two key elements in Internet Finance: the first is currency virtualization and electronization; the second is payment networking and mobility.Technically, these two are the foundation of the development of Internet finance.The Internet finance industry includes third-party payment, “baby” Internet direct selling fund, P2P network lending, crowdfunding in the fourth Internet finance industry, and Internet insurance in the fifth Internet finance industry.In addition, there are other industries that are not easy to classify.其中包括供应链金融(如京东“京宝贝”)、网络虚拟货币,如比特币和瑞博货币,其中瑞博支付具有巨大的市场前景;金融信息服务网站,如digcai.com网站以及通板网,这是免费的会计和财务管理网站。
  颠覆?只是一个补充!

  红色周刊:很多人用“颠覆”一词来形容互联网对金融的影响。你认为准确吗?

  雷尧:非金融机构的电子支付和延伸服务更多的是基于互联网、移动互联网等技术和商业模式的创新,这也为金融产品和服务的创新提供了新思路。同时,互联网金融对银行业提供的支付、结算等服务形成了市场挤压,冲击了现有的竞争格局和经营理念。
  但我们需要明确的是,金融的本质没有改变。长期以来,金融业是信息技术推动的主要产业之一。传统金融机构在数据集成、应用和供应链金融服务市场上具有独特的优势。面对互联网的浪潮,传统金融业务与互联网金融本质上可以看作是新技术、新商业模式下正规金融与非正规金融冲突的放大。事实上,传统金融机构在互联网金融方面的劣势并不是因为缺乏技术或创新能力,而是在服务覆盖非传统客户方面缺乏主动性。

  邓建鹏:近五年来,没有出现互联网颠覆金融的现象,主要是由于互联网技术的运用,使得近年来的金融业态发生了很大的变化。比如,余额宝等宝贝产品成为全国理财意识的发起者;比如,P2P网贷为过去难以从银行融资的客户(农业、农村、个体工商户、小微企业)提供了巨大的融资便利。但是,我们也应该看到,这些变化更多的是补偿性的,比如主要服务于被传统金融业抛弃的客户。然而,随着移动互联网金融、云计算、大数据等技术的成熟和应用,互联网金融未来将进一步侵蚀传统金融固有的领域。在这个过程中,传统金融业将被迫进行自我创新。所以最终的结果是两者共存。
  《红色周刊》:有观点认为,随着制度的自由化和互联网的平等化,传统金融中介的功能将逐渐被抛弃,即互联网金融能否实现金融的“脱媒”?

  雷尧:金融本身就是服务业。它具有中介性质。非中介化就是去金融化。金融业为什么存在?由于大量基金的提供者和使用者之间存在信息不对称,我们需要一个平台来有效整合信息,形成定价和风险评估。我们很难想象,去掉这个中介就意味着中介非常简单,这是不可能的!然而,这是金融业演进的最后一步,而不是中介机制的变化。
  邓建鹏:网络金融可以极大地削弱金融的“中介”性质,但很难彻底将其脱媒。互联网金融的许多行业本身就是中介机构,如P2P网上借贷平台,本质上就是借贷信息服务的中介机构。

600400股票行情

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