Experts: China's Internet finance will be the first in the future

"Kiss, can I help you? With Internet service, will hear the greeting, but you walk into the bank, will hear that sound?"Yesterday, the Internet society of Internet financial work committee of jiangsu province in 2015, hosted by jiangsu province Internet financial conference - places of peak BBS held in nanjing, the personage inside course of study hot "ma" how to change the bank.

"Ma" mr.obama bank does not take the initiative to change will be "shuffle"

"A few years ago, jack ma of alibaba to stand in the Angle of the electricity to the banking sector is full of challenging warnings: if the bank does not change, we change the bank!"Jiangsu branch bureau helps people high said, "for several years, as a member of the bank, Mr. Ma's ever-present in my mind echoed this warning, prompted me to think seriously and pain: in front of Mr. Ma's warning, in front of the challenge of electricity, how 'ma who will change our bank?"

Fu Ming said high, electricity via the Internet trading platform, from the perspective of the consumer goods, approached the financial consumption, while for the consumption of large data, captured by the set of financial consumers "net", and then through equality, more long goods consumption experience, let the "web" of consumer goods, gradually into the financial consumers, also by accumulate over a long period of big data platform, meet the demand of financial commodity consumer spending and consumer preferences.

Under the impact of the electricity, the traditional commercial Banks can only change, must change, but if a bank's change is passive, that "the ma" monologues, will be 'ma' 'big data by the nose, in a tight' ma 'sister retreat, eventually candidly admit defeat, Michael Jackson, a considerable number of Banks will be difficult to get rid of the fate of being' shuffle '.

'the bank what should learn from electricity?'Ming high said, practises "tailored" on the loan period, due to the central bank set the benchmark lending rate of interest at a pre-determined monthly, quarterly and annual cycle, currently on loan time often by Banks' custom' three months, six months and one year fixed period, such as lack of flexibility and flexibility, should draw lessons from electricity as soon as possible "personalization";On the plan breath way 'fixed' to 'flexible';Change in the identity relationship between 'creditors' as' consultant';In the service process, also want to become 'sit shop sells clothing for networking fine clothing,' in the face of Mr Ma's warning, Banks should be brave and loudly shout out;If the bank change, we will be mutually beneficial cooperation with electrical contractor, get win-win!'

Release repressed grass-roots financial needs

Chinese Internet financial future will be the world's new forms of Internet financial development, now has the third party pay legal institutions in jiangsu 16, 2014 years ago in the third quarter, the whole body of interconnected financial pay for 20.48 million, and in the data analysis of these amazing, nanjing PeiPing, vice President of the university graduate school of business professor thought: 'China Internet financial future will be the world!'because the pratt &whitney financial, grass-roots financial, pieces of China finance is lagged, bank,' and 'lead to private Banks and other business value, and the release of the Internet financial repression of grassroots market.

'Internet bigger financial development, but it can't step on the red line."Experts say.Internet society, he says, is in jiangsu province in December 12306 website user information is' naked 'examples, etc.Internet financial security should be caused take seriously.

XiShangQin is introduced, a deputy governor of nanjing branch of the people's bank of P2P, the raise and other new forms of Internet financial development, now has the third party pay legal institutions in jiangsu 16, 2014 years ago in the third quarter, the whole body of interconnected financial pay for 20.48 million, and in the data analysis of these amazing, nanjing PeiPing, vice President of the university graduate school of business professor thought: 'China Internet financial future will is the world's first!'because the pratt &whitney financial, grass-roots financial, pieces of China finance is lagged, bank,' and 'lead to private Banks and other business value, and the release of the Internet financial repression of grassroots market.

'Internet bigger financial development, but it can't step on the red line."Experts say.Internet society, he says, is in jiangsu province in December 12306 website user information is' naked 'examples, etc.Internet financial security should be caused take seriously.