On May 5, 2014, the 2014 Global Mobile Finance Summit, co-organized by the 1000-member Internet Finance and the Great Wall Association in the mobile Internet field, was held at the Beijing National Convention Center. The China Electronic Banking Network was a cooperative media. Full coverage.
In the afternoon of the conference, the roundtable forum on the theme “Integration and Innovation of Industry and Mobile Finance†was held. Li Bolin, Chairman of Tongyou Group, Sun Zhanping, General Manager of UnionPay Electronic Payment Services Co., Ltd., Zhi Zhizhong, Chairman of Guanglianda, Xiao Wen, Deputy General Manager of GF Fund, Zhao Rongchun, CEO of Qianjing Licai, Chairman of Pacific Asset Management Co., Ltd., Guangdong Internet Finance Association Chang Baoguo participated in the roundtable forum, and the forum was hosted by Ni Zhengdong, CEO of Zero2IPO.
Core point of view:
Li Bolin, Chairman of Tongyou Group: Cash is the largest mobile payment tool
Li Bolin, chairman of Tongyou Group, said in his speech that cash is the largest mobile payment tool. He also listed relevant data. In developed countries such as Europe, America, Japan and South Korea, as of today, in ordinary life, the ordinary non-cash payment as a common person has never exceeded 50%, and China’s non-cash is completely unbalanced in the vast east and west. The usage rate is even lower. He predicted that I estimate that cash will be very tenacious in the next 10 to 20 years.
Sun Zhanping, general manager of UnionPay Electronic Payment Services Co., Ltd.: NFC will make rapid progress in the next year or two
Sun Zhanping, general manager of UnionPay Electronic Payment Services Co., Ltd. pointed out during the roundtable discussion that the QR code as a commodity identification is no problem, but if it is paid in the middle or what kind of security is in the middle, it needs to be studied. Regarding NFC, he believes that NFC will have a rapid development in the next one to two years. One is that NFC-based mobile phones will appear in large numbers. The second is that the development of POS machines with more than 3 million online games in China has emerged. A dead end. Similar to NFC, all UnionPay cards issued in China next year are smart cards. He pointed out that for NFC, the biggest benefit for customers is safety, the second is fast, and the third is convenient. This can support small payments, and large debit cards can still be used. The future development of NFC is very fast and will be very convenient for everyone.
Zhai Zhizhong, Chairman of Guanglianda: Internet finance platform needs to actively cooperate with third parties
Zhai Zhizhong, president of Guanglianda E-commerce, said in his speech that the e-commerce platform of the construction industry has been very optimistic and is actively moving closer to the Internet finance. When answering the question from the moderator, he said that because of the huge demand for funds, the road to cooperation with banks and other financial institutions is affirmative. In the future, there will be no more good partners to bring this matter and career together. Be big.
Xiao Wen, deputy general manager of GF Fund: Doing integration and depth in mobile finance
Xiao Wen, deputy general manager of GF Fund, believes that the development of the Internet is very fast. The road to Internet finance represented by the PC is not finished yet, and the new mobile Internet is coming again. She believes that this kind of challenge and traditional model of anytime, anywhere is still very different, and cooperation with other institutions can also be realized on the mobile side. More importantly, in the field of mobile finance in the future, it is not how well each one is done, but how to integrate and deepen.
Chairman of Pacific Asset Management Co., Ltd., Chen Baoguo, President of Guangdong Internet Finance Association: Industry needs mutual cooperation and cooperation also needs self-discipline and mutual law
Chen Baoguo, chairman of Pacific Asset Management Co., Ltd. and president of Guangdong Internet Finance Association, said in his speech that the principle of P2P is to build a platform for sales. Building a platform requires industry practitioners to unite and cooperate with each other, and also requires self-discipline and mutual law. He believes that industry development should be based on the spirit of Internet finance, equality and cooperation, and win-win cooperation. Internet finance will usher in a new stage of blossoming and arguing.
Zhao Jingchun, CEO of Qianjing Financial: P2P is a financial disintermediation product in line with the spirit of the Internet
Zhao Jingchun, CEO of Qianjing Financial, said that in the entire Internet finance era, P2P is a financial disintermediation product that conforms to the spirit of Internet finance.
The following is a record of the round table discussion:
Ni Zhengdong: Have a distinguished guest! Although we have invested in 5 or 6 Internet companies and recently invested in 2 companies, I feel that in the wave of Internet finance, experts from all walks of life are inside. We are all on the mobile Internet, especially the wave of Internet finance. Next, so we actually see what everyone sees as a road, but it is actually the tip of the iceberg. In the following session, I would like to invite entrepreneurs from various fields to exchange ideas and see the integration of industry and finance. I think time is very valuable and directly enter the topic. The first is a more general question. Please tell the guests here about the wave of mobile Internet, especially in the field of Internet finance, how do you explore opportunities and face challenges, and what are your actions to deal with change? ? First of all, please ask Li Bolin Li of the Post Group to talk about his point of view.
Li Bolin: Thanks to the moderator and the distinguished guests who attended this afternoon. I will introduce our company first. We are in the group when we established the UnionPay in 2002, and jointly promoted the outsourcing services and market of the domestic ATM ATMs. I am The founder of the industry was also the founder of the company. The conditions at that time were very difficult, because there was no experience and the background of the government, and the environment of today's Internet finance entrepreneurship is similar. Through these 12 years of development, our Tongyou Group now has 10,000 ATMs of its own, and there are more than 20,000 ATMs that help banks manage services. At present, more than 30,000 machines are spread across the four branches of workers and peasants. We obtained strategic investment in the four major state-owned banks three years ago. We are also carrying out strategic cooperation, especially in the field of Internet finance. I have now handed the microphone to the general manager of UnionPay.
Sun Zhanping: I am participating in the payment of UnionPay electronic payment today. Thanks to the thousands of people. Today’s theme is the challenge of the mobile Internet to traditional industries. In fact, I can sadly say that third-party payment has now fallen to the traditional industry, but in fact In terms of meaning, the opportunities and challenges brought by mobile Internet or mobile communication technology are very large. Regardless of new industries and traditional industries, China UnionPay’s professional Internet and mobile Internet payment companies were established in 1999. We pay for the fund, and more than 90% of the public funds in the country are paid by us. Today, we provide fund companies with mobile real-name account opening certification. We keep mentioning the development of technology and doing some business exploration. Do we have any new opportunities? One is the Internetization of traditional industries or the mobile Internet. What do we do in the middle, and the second is the national policy and the new international situation. What kind of strength can we play? Now through the UnionPay cardless payment of more than 240, to do more than 150 special ordering banks, this is China's most complete, and second, our country launched a pilot city of e-commerce, we know that there are 5 cities imported pilot There are also 29 cities that conduct cross-border pilots for export. We first maintain continuous communication, provide them with a full range of services and a complete set of solutions, and constantly respond to changes in the market in the process of market changes. Some of the challenges.
Ni Zhengdong: So what do you think is more difficult now? In fact, when we are doing cross-border payment, we have to divide it into two pieces, one is imported. Where is the biggest difficulty in importing? We traveled overseas to the website, actually let foreign customers accept the UnionPay card in our country, but because the customer's needs only reflect the demand to the upstream customers, the upstream customers are willing to accept, this is better. But imports are subject to some rigorous processes, including approval. On the export performance, we now see that the country has 29 cities in the pilot of exporting. What is the biggest problem at this time? From the perspective of payment, because it is exported to let foreign customers earn money, this is our suitable channel. China UnionPay has tens of millions of overseas customers. Second, we also have some traditional bank manufacturing, including some. The payment channel also has some other payment channels. Through the integration of these channels, we can solve the export problem. At the same time, we also see that the RMB cross-border is a very hot topic. UnionPay electronic payment has also been done in the Shanghai Free Trade Zone in February this year. Demonstration and trading of the first RMB cross-border payment, seeing a lot of transactions, especially when doing export, some countries in the surrounding areas and some countries with developed economy are still in contact with the RMB, which is also We have laid some technology for our cross-border RMB, so import and export are both difficult and challenging, but we all need to do our work.
Zhai Zhizhong: I am very happy to have the opportunity to learn and communicate with you. We are a traditional software company that specializes in the field of construction engineering and provides software products for all parties in the field of construction engineering. We have gradually developed from the starting point of engineering cost software, through the development of nearly 20 years in 2010. In the year of October, the small and medium-sized board was successfully listed. In the development process of the past 20 years, we provided engineering cost software, provided the engineering in the bidding stage of the project, and both parties calculated the cost and bidding for the project. In this process, the construction industry is gradually more familiar and familiar. The process of providing products is also the decade of rapid development of the entire real estate industry in China's construction industry. In the process, the past operating benefits, especially real estate companies, are compared. Considerable, but with the subsequent regulation and development, because everyone also feels the high interest rate and high return in the past, it will not be long-term. In particular, there are some parts that may have better efficiency in real estate companies. However, these construction companies have not always had high profits in the process. It should be said that the profit rate of Chinese construction companies and construction companies is about 3%, so the profits are still very Low, all companies used to use internal management to continuously improve their economic efficiency, on ERP, project management software, enterprise management software, etc., but then we found that there is a simple management software. The upper limit, we have seen that the construction industry industry chain should be the longest industry. From this point of view, there should be nearly 60 industries in the entire construction industry. We found that the biggest cost in the project is 60% to 70%, which is the cost of equipment materials. In this process, the transaction cost in the industry is very high. Later, we found that if we can provide a good electronic transaction for this industry. The platform, a bidding platform or an e-commerce, will provide large-scale transactions by the purchaser and the supplier to reduce costs and reduce the overall cost of the industry, so we have found opportunities in such industries, so Two years ago, in 2012, the establishment of the Metal Structure Association under the Real Estate Chamber of Commerce and the Ministry of Housing and Construction of China, and the establishment of the company, began to try this, the industry's e-commerce for the purchaser and equipment materials suppliers to build a The e-commerce platform, in the process of e-commerce development, feels that these enterprises actually have the demand for financial services, so we also naturally expand from e-commerce to Internet finance as the business develops.
Ni Zhengdong: In fact, in the construction industry, are you ready to build or cooperate in this field? Or use a listed company as a platform to use this area for investment and acquisition.
Zhai Zhizhong: It can be said that it is definitely the road to cooperation, because the market is relatively large, and the scale of capital demand is not B2C, because the amount of funds required in the engineering field is very large, so the source of our funds must be with the bank. In cooperation with other financial institutions, this platform has also seen that it is not a company of Guanglianda. We are dealing with real estate chambers and metal structure associations. Of course, we will not rule out more good partners to bring this thing together in the future. And the business is bigger.
Ni Zhengdong: Xiao always talks.
Xiao Wen: In fact, the entire capital management industry fund company through the Internet platform sales data, in fact, the most outstanding data is the balance of the treasure data, we all know that a total of 540 billion, Tianhong Fund Company suddenly became the largest in the country within six months Asset management company, so this data really confirms the reaction of the distinguished guests today, that is to say, this is a subversive historical moment. I came from a relatively traditional asset management industry GF Fund, where I’m just a problem. Reflects what we are doing in internet finance. In fact, in the traditional financial sub-sector, the fund management company in the Internet wave of this dialing, I feel that it is more active and harder to work. This kind of positive and hard work has its own reasons behind it. The main reason is me. I think there are three things: First, in the 5 to 7 years before last year, the entire asset management industry did not grow, and the growth of other financial sub-industries was very fast. This is a matter of restlessness in the whole industry. I think The whole asset is relatively light. We have no sales staff compared to the insurance company, so we are light assets. Third, our industry has a low-risk, high-standardization product that is well-suited for introduction and sale on the Internet – the money fund.
Everyone knows that Tianhong’s money fund cooperates with Alipay and has achieved the iconic product of Yu's real Internet finance. Therefore, I think that our industry is constantly exploring in the process of transforming the entire Internet. At present, everyone's approach is actually two. The practice of this is called staking, looking for a variety of Internet companies or the advantage of companies in the traditional industry to transform the Internet to the advantage of enterprises to find traffic, we look at In addition to the balance of treasure, for example, GF and Huaxia several companies together with Tenpay, also opened a very large platform. Our cooperation with Suning is a traditional enterprise that is transforming into the Internet, and we also have cooperation.
In fact, major fund management companies are working with major Internet companies. I appeal to all of you here, those who are interested in internet finance, can find fund companies when you have ideas. In fact, this is very hard work. This is a foreign effort. Cooperation. We hope that through this cooperation, we will get traffic in a lighter business model. In fact, when we reach the import flow, our core competitiveness as an asset management industry is the entry, because that is the advantage of Internet companies, and our core competitiveness is still in products and financial services. Therefore, while the asset management industry is looking for import and traffic, it is also increasing its own transformation, using Internet thinking to transform the industrial chain and transform the business chain. For example, more products, such as applying for services, like We have just applied for a money bag similar to Yu'ebao, upgrading and transforming various services with new Internet thinking. This is a very painful process for the traditional industry, so we are actively doing such a thing. As a member of the entire asset management industry, GF Fund is working with the entire industry in the transition to Internet finance.
Ni Zhengdong: Thank you, Mr. Xiao. The GF Fund is hugging the Internet relatively early. Both Taobao and Suning have cooperation. This is really a reflection of the tradition. We combine Internet companies. This is a good example. I want to dig deeper. Today is mobile finance. Many of the things you just mentioned are Internet finance. On the mobile platform, which two companies cooperate with GF Fund?
Xiao Wen: Actually, we have our own APPs on the mobile side as various fund management companies, but I personally understand that I think we are very sad reminder. We have not yet in the process of Internet financial transformation represented by PC. After the end, the new mobile Internet is coming again, so the pressure on us is very big. I feel that this kind of challenge and the challenges of anytime and anywhere are still very different from the traditional ones. We are already doing it. For example, our cooperation with Tencent and Suning can actually be shown on the mobile side. But I think it's more important that in the future of mobile finance, I put forward a point of view that is not how well each one is done, but how to do integration and depth.
Ni Zhengdong: Thank you, Mr. Xiao, please share with Chen.
Chen Baoguo: I am Chen Baoguo from Guangdong Pacific Asset Management Corporation and the president of Guangdong Internet Finance Association. Last year, we basically witnessed the development of the industry, and our relationship with the thousand people has maintained a good cooperative relationship since the beginning of Internet finance. I have participated in many forums, lectures, and reports. I feel that Internet finance is less than a year old. It is a very fast journey from few people, many people, and everyone knows to the country's development strategy. Guangdong's development is relatively fast, with many forums and reports. In terms of characteristics, localities have attached importance to the development of the industry from top to bottom, and now they have moved to mobile finance.
In fact, mobile finance realized in August and September last year that this year will be a big boom in mobile finance. We talked about the mobile Internet. In fact, I think the mobile Internet is a process of ruining the three views. For example, today is the birth of Marx for more than 190 years. I first studied Marxist philosophy, but now I have been asked if Marx created Marxist philosophy and Marxism. Why not try it first in the country? This is a process of ruining the three views. At the same time, we talked about the work done by the company. In fact, we are engaged in the industry of Internet quality management. We re-finance private capital. At present, we mainly differentiate with banks. For example, microfinance companies have More than 8,000, the loan balance is just over 800 billion, less than 1 trillion, the pawnshop is currently less than 400 billion, but in fact it has exceeded 1 trillion, and the financial leasing company is now nearly 2 trillion. There are nearly 3 trillion financing guarantee companies, and there is a huge market, which is the accounts receivable market, which is about 20 trillion. Such a large private capital has driven the market and has huge demand for refinancing. So we have promoted a product last year, which is the refinancing of small loan assets. We promoted this product in Shenzhen United Assets Exchange and Shallow Sea Equity Trading. The listing of the income rights of small and small loan assets. In fact, we originally wanted to use this kind of effort to position ourselves as a private capital of Fannie Mae and Freddie Mac. We designed a lot of products to achieve a legal compliance goal through listing, and also through some Internet sales platforms. Said to invest in a management platform on the sales platform.
The essence of Internet finance in Huo Shuji is to serve the people. We are based on the people's money for the people, so we say that we will build a platform for sales based on the principle of P2P. At the same time, the products we design also hope to pass online and offline, because it is legal and compliant, not only individuals can invest, institutions can also invest, we also hope to introduce more and better institutional investors to accept such products. At the same time, solve many qualified institutional investors and add them to a new asset allocation product and variety. On the other hand, it solved a refinancing problem of the pawnshops of small loan companies, because the current loan balance of 8,000 companies is only more than 8,000 billion, which means that there is basically no role of magnifying leverage, so according to the state The requirement can be enlarged to 1:1, or it can be enlarged to about 1 trillion. According to the documents issued by Shenzhen Financial Office, it can be enlarged to 200%, and the market balance is nearly 2 trillion. In line with this demand, we have differentiated, and through this demand to develop through the industry of Internet asset management, we are at the forefront of this industry. Because of this, I think that in the Internet finance industry, it is a blue ocean market, so we promoted the establishment of the Guangdong Internet Finance Association. For nearly a year and a half, we are now listing on May 18. We believe that because this is a blue ocean market, we believe that in this field, we need to unite and cooperate with each other, and we also need self-discipline and mutual law. Last year, we did several security techniques before hacking. All members have been trained in security technology, so although we have no problems with all members, including setting up a member of the industry, we set a very high threshold because, as me, as the industry president The condition of each family is basically well known. Therefore, under this circumstance, I hope that in the spirit of Internet finance, we can work together on an equal footing, win-win cooperation, and we will cooperate with more financial institutions, institutional partners, and exchanges. We also have a planned cooperation with Xiao. In the development stage of the common development, Internet finance will usher in a new stage of a hundred flowers and a hundred schools of thought. Thank you!
Zhao Rongchun: I have always been engaged in the financial industry, but I am engaged in the entrepreneurship of Internet finance. We are Qianjing Wealth Investment Management Co., Ltd. First, it is a wealth management organization. The current service population is mainly high net worth of more than 1 million people. The products that were assigned to him were mainly traditional trust assets, public funds, and private equity products. The first keyword was the wealth management agency. Second, the industry's approach is more of an Internet approach. All customer sources are through the Internet. We have the first trust network. These two websites customers understand us, find us, find our way, and the way we serve them. In fact, it is offline. It is a typical O2O way. We get online and offline services. This is our way of resisting tradition. It is the way offline services can be done when people need to do it. When you come to compete in this industry, you also need people to do it. Third, more hope in the future can be related to today's topic, to do mobile Internet. We find that almost all of our customers, whether high-end or terminal, are still using it on the mobile side, so we will launch our new tools for managing money through the mobile terminal in the future, and we are still developing.
Ni Zhengdong: Several guests introduced their own views and practices in combination with their own companies. It is indeed the Internet that is optimistic. I remember the class reunion of Tsinghua a few years ago. At that time, several people said that we wanted to start a business and do e-commerce. From the second half of last year to this year, these friends have gathered again and said, why? It is the Internet. The degree of heat is indeed very high. But at the same time, we remember that after the year 02 to 11 years, it was financing e-commerce, especially 10 to 11 years. At that time, you were looking for Tencent investment as an e-commerce provider, but even in the years of 2007 and 2008, even Jingdong. Many big crickets have not voted. In fact, today's companies that are not very optimistic in the past are like one of the most successful companies in the e-commerce field. None of his investors thought that the stock would reach $180 at the highest. In fact, Internet finance is now a wave. When everyone is very hot and excited, the future is definitely a big company big opportunity. Who really really doesn’t know. So I want to ask some questions from the guests. Then Sun’s UnionPay is indeed at home and abroad. I am now asking people from abroad to ask if I use VISA or UnionPay. Recently, a hot topic is the payment of QR codes. Please ask Mr. Sun to talk about his views on this issue.
Sun Zhanping: Thanks to Mr. Ni for going out to use the UnionPay card. The security mechanism of the QR code is being researched and explored. I think there must be a conclusion. I think there is no problem with the identification of the QR code as a commodity, but if it is paid in the middle or what kind of security is in the middle, I think it needs to be studied. The second thing that can be determined is that with regard to NFC payments, I believe that NFC will have a rapid development in the next one to two years. One is that NFC-based mobile phones will appear in large numbers, and the second one will see more than 3 million Chinese markets. The pos machine has appeared in the hutong. Similar to NFC, all UnionPay cards issued in China next year are smart cards, so it should be said that this transformation should be completed simultaneously. For NFC, the biggest benefit for customers is security, the second is fast, and the third is convenient. This can support small payments, and large debit cards can still be used. We used a rule of 1,000 RMB. We can do more than 1,000 RMB on the spot, but we need to lose some passwords. Therefore, the development of NFC in the future is very fast and will be very convenient for everyone.
Ni Zhengdong: Actually, I went back and asked Li, there are fewer and fewer people using cash in the United States. When you go to the ATM to withdraw money, you don’t need cash for shopping, taxiing, or manufacturing. So, slowly, the coins will die. ?
Li Bolin: In fact, UnionPay has made a very big push in promoting the entry or NFC including QR code payment. Not only is the POS of more than 3 million units already equipped with NFC functions, in fact, China is currently 520,000 units as of the end of last year. More than 50% of ATM machines are already equipped with NFC functions. As an industry leader, we have also made great explorations in this area, and the investment is huge. At present, we have developed a software platform that directly has the function of using the mobile banking scanning code to withdraw cash on all ATM screens. Dalian Bank piloted. And is it that cash will disappear? In fact, when I talked with Huo Shuji last night, Peking University’s 116th anniversary celebration, what is the biggest mobile payment tool? Instead, it is cash, holding it everywhere. This is the biggest payment tool. It is necessary to use data to speak. In developed countries such as Europe, America, Japan and South Korea, as of today, in ordinary life, the ordinary non-cash payment as a common citizen has never exceeded 50. %, not to mention China, which is completely unbalanced in the vast east and west. I estimate that cash will be very tenacious in the next 10 to 20 years. In terms of ATM transactions, the overall amount of absolute cash withdrawals is only about 10%, but the number and frequency of transactions, last year's growth rate was 35%, from the establishment of UnionPay in 2002 to today, never There is no one-year compound growth rate of less than 30% of the transaction growth, and our company's overall turnover may exceed everyone's imagination. Last year, the entire ATM machine curve transaction amount exceeded 2 trillion, we are no less than Alipay, we are Very small company. We still use UnionPay as an example. In 2012, UnionPay’s total debt has exceeded MasterCard and surpassed VISA in 2012. UnionPay is the world’s largest payment settlement company. The development of third-party payment by the state, including the development of Internet finance, everyone does not know much about UnionPay, and there is a little demonization. I don’t think Sun’s as a UnionPay person dare to speak. Everyone knows 721, actually we each The fee for the credit card is divided into 70% for the bank of the cardholder, and 20% is the bank for the settlement of the merchant. The UnionPay only takes 10% of the district. At the beginning of this year, I and the chairman and president of UnionPay When we communicated about the charges together, about the reaction of the whole market or the media, everyone was very wronged. They said that they simply did one thing and said that UnionPay will not be charged for the fee. I can’t say it. If so, our third-party payment platform. Is it not down?
Ni Zhengdong: Thank you, Mr. Li. I saw Mr. Li’s advertisement for Tongyou. Last year, the Tianhong Fund was very hot. When I saw this Internet giant, they said that you have no fund company to buy, we want to buy. Do you have any giants in this respect? The three giants and the three small giants believe that the fund management company, whether it is a big or small fund management company, actually has to talk about cooperation because after all, in asset management. The industry is currently in the era of pan-asset management. However, there are still a group of talents in the current asset management company, or an understanding of the industry, but I think that in the era of mobile finance, especially to the various branches of our asset management companies. Whether it is an Internet company or a company that is transforming into the Internet, because I agree that there will be no Internet and non-Internet companies in the future, all companies may become Internet companies. The challenges we face in this kind of cooperation are very large. In this kind of direction, we can work in which direction, because everyone is going in the process, in fact, we are also exploring, there is no good idea, but I want to use my energy during this time, I think the next Several directions are still important. Because of limitations and anytime, anywhere, because he knows who you are, so I am close to us, there are some characteristics, so we can't turn PC finance over, so I think it's more important, because of the characteristics of mobile, in fact, all Those who are determined to do Internet finance must all turn to a problem. How do we integrate and integrate? If the customer demand is the starting point, each customer buys a GF Fund and buys a Huaxia Fund. It is inconvenient for a company to have the next APP. In addition to the fund, you can buy the trust, the whole and the stock. You can do the experience well, but if you are customer-centric, people who need to go to this road will calm down and think about how to integrate each other. This is The first integration. The future may not depend on how much experience you have experienced, but rather that you can really do a lot in this field and be able to manage the relevant wealth management industry. I don't believe that a company or a sub-category can solve customers. All the questions, so we calm down and think about how to integrate. So the first direction is integration, integration, and how to achieve one-stop.
The second is instrumentalization. The mobile finance requirements are very simple and extreme. It is convenient to use. However, financial products are actually more complicated and professional, and how to turn very professional financial services into very simple tools. Products, turning it into a tool, I think this is the challenge facing Internet finance, especially mobile finance. In fact, GF Fund has also made such an attempt. Our stock fund has a very conventional method and casts it. We have made it a tool, and ordinary people can experience it very simply. Therefore, I think that all professional services in the future, in fact, instrumentalization is a direction, which also meets the requirements of the Internet and the requirements of customers.
The third is the application scenario. If the process of interest rate liberalization is completed in the future, do you think that the balance treasure still has value? Will it still exist? So every time it’s said that it will exist, because it has the proper scene of e-commerce. Once there is an application scenario, there is value. If the e-commerce platform exists, there is value, so I think even if the interest rate in the future The marketization process is completed, and now all kinds of products are actually the most important. If there is a kind of production, there should be value of existence, and our future direction, all financial institutions and the future on the Internet, the most important It is necessary to find various application scenarios and combine financial services with application scenarios. For example, cooperation with General Manager Chen and other industries, when it comes to finding financial services and value-added services, financial management must When you think of an asset management company and think about a fund company, you may have a certain combination with you. So I think that various application scenarios are actually the opportunity for fund companies and various fields to work together to discover such opportunities.
Ni Zhengdong: Thank you, Mr. Xiao is very profound. We still have a question to ask everyone. Suppose now that we are in 2011. At that time, the e-commerce market could not see clearly, but many of the most popular companies have disappeared. Many companies that are not optimistic have succeeded in the most exciting era of mobile Internet finance. I want to invite all of you here. In this field, Internet finance is no matter whether it is a giant or a traditional company, or an emerging Internet finance. What are the three companies that you are most optimistic about?
Zhao Rongchun: We may become a good company in the future. Our Qianjing Wealth is a financial management company that allows customers to achieve personalized customization of thousands of people, so that each customer can find different combinations of needs and different wealth management products, which is different from the current balance treasure, everyone You can find something that suits your needs. This thing must have a market in the future. In addition to my own, what I want to say is that in the entire era of Internet finance, P2P is a financial disintermediation product that conforms to the spirit of Internet finance. In the current P2P company, if you insist that everyone's loan is likely to become a big company.
Chen Baoguo: I have been saying everywhere, Internet finance and mobile Internet, there will be companies that are comparable to BAT, and our platform is also positioned to be a company with a BAT-scale BAT in the future. At the same time, I think that the best in the mobile field is Lifatong and Alipay, which is indeed the target of our pursuit.
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