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Dodał: xlAura
2015-01-25 03:50:05

ccordinc 2015-07-25 10:20:59
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wwearde 2015-08-17 10:32:16
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Baidu finance the first financial products, after Baidu hundred hair on the line, just a day 1 billion fund sold out, and PayPal's Balance Bao, June 13 on the line, the end of September size of funds has reached JORDAN 55.653 billion, three quarters of the size increase of nearly 10 times Customer number reached 13 million, benefiting from the power of the Internet, the day Huge Jinzeng Li Bao also justifies to become the largest single fund. This is the power of the Internet financial withering. Whether hubbub last three horses to sell insurance, or is it turned out to pay the balance of Bao Bao, and Baidu finance, Internet and financial integration with great spark a prairie fire, the inevitable, but also the Internet and financial nature determined by genes . Nature of the Internet and financial fit, the US group network founder Wang saying, very classic: 'The essence of the Internet, is the essence of physics, in fact, a lot of information quickly moved to point B from point A, which is everything nature of the Internet applications. essence is to help finance the money from point A, where the money is, move to point B, the need to go where the money is. Finance is the credit information, it is apparent, finance Air Jordan Heels and the Internet is very close everything from the most essential is a natural fit. So I think the Internet will be very prosperous financial development, Nike Air Max 90 Honeycomb Women not an individual will transfer. ' When the financial hit the Internet, from the balance of treasure, to Baidu finance, earlier three horses to sell insurance, all solid things vanished. Baidu said the person in charge of financial management, Internet banking, financial disenchantment change from highbrow to low class people. Dean Ali small micro Institute FangXuanLing, it is treated as 'do not wear a suit, no tie Nike Shoes Global of inclusive finance.' From highbrow to low class of financial Pratt \u0026 Whitney, deputy general manager of Celestica Jordan CP3 VI Fund Zhou Xiaoming deep. In his view, the balance of Bao Bao was successful because the balance to cover 80% of the people, that is not very good service in which traditional financial system, or as a general Air Max for Women common sense, they still do not consider themselves financial services needs of the population. It simply is such a customer, 'white' Nike Air Max 90 Hyperfuse (Women customers, young, paycheck to paycheck, and so on, by means of the Internet they very kindly come into contact with our services. Zhou Xiaoming experience, up to the theory, is the traditional financial markets covering 2/8, Nike Air Jordan focus on high rich handsome white Formica population, the Internet can reach the long tail allow financial markets, the long tail of the crowd. Internet banking, divided into three categories: third-party payment, financing products and financial products. Financial products touch is the 'white' customers, young, paycheck to paycheck, etc., and financing products, then it goes to the traditional financial institutions difficult or unwilling to contact small and micro enterprises. Internet banking can illustrate a story for traditional financial meaning: a bowl filled with small chunks of stone, was asked whether it filled? It was also poured into the sand for a while, but in fact, this mug is still not Lebron James Shoes Nike Air Max filled, so he was poured into water. For efficiency reasons and management issues radius, more traditional banking business is a stone, and Internet banking is the sand and water. Traditional financial focus only rich handsome, white Formica, a lot of time, but also for efficiency reasons radius, this is not a simple will. Faced with a large number of 'Cock wire' Banking customers, small and micro enterprises, banks and funds are not indifferent, but to cover them, requires a lot of manpower and material costs. In James Harden Cheap Nike Free Outlet the traditional cost structure finance, this Nike Air Max 2015 Women is a thankless business. At this time, the Internet shows its cost advantage: the marginal cost of diminishing marginal effect is incremented. Bit world from the shackles of the physical world, massive user base is abstracted Nike Zoom Shoes into a virtual ID, serving tens of thousands of people, serving millions of people, it does not become too much of an increase. Of course, the cost of diminishing marginal, incremental marginal effect, but also doomed Nike Air Max 95 the Internet banking is a game of economies of scale, it must achieve sufficient scale users, in order to release the cost advantages of the Internet. This also means that Internet banking is necessarily oligarchs game, Baidu, Ali, Tencent, giants have huge traffic and user base will be the protagonist of the game. Internet banking to achieve economies of Nike Blazers scale and cost advantages of Internet release, must be based on Nike Shoes big data and cloud services above. For example, traditional financial risk control, it needs to support the Nike Air Max 95 Men Nike Air Max 90 Hyperfuse (Women nuclear-trial data requires a lot of labor involved, but small and micro small loans Ali, Ali more through transactions within the system, mining. For example, small and micro Ali first half of 2012 data, for example, the absolute value of 13 billion yuan cumulative lending amount is not large, he served as a state-owned bank branches are likely to achieve this figure, but its launch has been surprising items: from 1.7 million Nike Air Max 90 Hyperfuse (Women the composition of loans, the loan is completed close to 10,000 pens daily average Nike Zoom KD of only 7,000 yuan each loan. If you do not support transactions of Ali, complete with a daily average of nearly 10,000 models pen lending rate, and no traditional financial institutions it is difficult to achieve. Internet to achieve economies of scale, the release of diminishing marginal cost, the marginal effect of increasing advantage, there is a foundation, that is, as we know it 'entry.' Nike Air Max 95 Women Who can grasp the entrance, who is the winner. Baidu financial products, after Baidu hundred hair on the line, it was said, 'This is not the Internet banking', but the network is offline behavior only. This view, the paradox is that Internet banking, finance is the subject matter or object, the essence is offline behavior of the network. And a line of financial products at the behavior of network-based, traditional financial institutions to get traffic, get consumers Nike Air Max must rely on Baidu, Taobao this platform entrance. This is like the real world, the China fund financial products, it is on sale at some outlets, the customer must be the car came to the point of sale, but unfortunately, the customer's Air Max for Men car is Taobao, Road and outlets door is Baidu a. Not long ago, ZenNew participated in the investment credit cards, on the road of Internet communication will finance, innovation and service has always been a leading China Merchants Bank credit card, the face of the Internet, also have their own sense of crisis. Merchants Bank Credit Card Center General Manager Liu Gallon said:. 'For the climax of the financial development of the mobile Internet, China Merchants Bank credit card's position is neither think this change is just a small change, it does not mean that traditional financial industry no longer has any hope of financial Nike Basketball Essentially In fact, faced with a complete change in technology, in such a process, something that should be of particular concern. The first thing is the sustainability of our business, and the second thing is the future of the world D Rose IV would be a better thing? There are a worrying phenomenon in the Internet industry is a winner-take-all structure. If such a structure, replication in the financial industry, the future of these customers, the future society really good? 'winner takes all concerns Air Jordan Outlet behind, in fact, it is: traditional financial institutions, online direct to customers, but in the online world, or whether it must pass Baidu Taobao, buy traffic. Their marketing capabilities in cyberspace, will gradually decline. Of course, traditional financial institutions still have their own unique value, but, in the power of the Internet catfish effect, sunny good day, only a Remembrance of Things Past. Traditional financial institutions need to reflect. (This switched titanium media 'when the Internet this big eaters, took aim at the Finance', author: ZenNew Zen core)

mlsikds 2015-09-23 03:00:26
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