First of all, the emergence and development of internet finance has broken through the "boundaries" such as time, region and quota that traditional finance has not broken, and greatly improved the efficiency of financial instruments. Although the current Internet finance is chaotic, various road accidents occur frequently, which leads to the tightening of regulatory policies and nationwide rectification. But I still can't stop. Internet finance will replace traditional finance in the future. This is not only the trend of the industry, but also the necessity of social progress and development.
Any emerging industry will experience germination, growth, maturity and depression. Nowadays, P2P is in the "growth period" and has all kinds of "growing pains". Rectification is for better development. At present, traditional finance has begun to "decline", because the cost of traditional finance is rising, the inflation rate is also rising gradually, and the "financial services" brought by traditional finance make people feel dissatisfied. Therefore, no matter any "faction" of internet finance, it is recognized from the macro level that internet finance is the trend of future financial development.
However, "Shanghai Bank" has strong business strength, strong business compliance and a capital base. In order to lay the foundation for the future financial market or "monopolize" the financial market, it is natural to "intervene" in mutual funds from a strategic perspective. Whether it is "obtaining customer resources", "diversification", "increasing profit sources", "direct financing", "brand promotion" and "Bank of China in Shanghai", the three factions have all dabbled in it, but the focus of each faction is different. Here's a detailed explanation and analysis.
First, access to customer resources: low cost and high efficiency.
Generally speaking, investors need to register their mobile phones for real-name authentication when investing in mutual gold platforms. Once the registration is successful or the investment is made, the Jin Mu platform will have customer information and customer investment data. If the operating shareholders of Jin Mu are the Banking Department and the State-owned Assets Department, this is indeed a good thing. This is like "waiting for a rabbit", so banks can sell products more conveniently or "accurately promote" customers and investors. This "customer acquisition cost" is much lower than traditional finance and traditional sales, and the efficiency will increase exponentially. Before there were mutual funds and online banking, banks used the contact information left by customers when they handled counter business for marketing. After all, the efficiency and output of manual business are not as convenient and efficient as the Internet. The purpose of the "listing department" to obtain customer resources is nothing more than to let more people invest in the securities market by virtue of its "golden signboard". This is a progressive logic. Investors see that all the listed companies they buy have launched mutual gold platforms. Can they not invest? Or investors invest in a mutual gold platform. If the background of shareholders is a listed company, can they not pay attention to the A-share market?
Second, diversification: listing can add points, and it can be "monopolized" in the future.
For the "state-owned assets department", diversification is a necessary condition for strategic development. State-owned enterprises have obvious innate advantages. With their strong background strength, involving a wide range of industries, it is relatively handy to start a mutual fund. Therefore, when the talent pool reaches a certain extreme and the future direction of the market is clear, some large "state-owned" enterprises begin to explore the mutual fund market, which can not only spread some external risks of enterprises, but also help to promote the development of their main business. For state-owned enterprises that are not listed, diversification can also give them "extra points" in the future listing process. It can also lay the groundwork for the increase of profit sources to be discussed below. The most important thing is that there will be temporary "monopoly" and "monopoly" in a certain period or region in the future. Take the most realistic example: there are local "financial assets trading centers in xx province /xx city" everywhere, and the controlling shareholders of the current "financial assets trading centers" are generally large state-owned enterprises, or governments, urban investment development companies and so on. At present, "financial assets trading centers" all operate in the form of mutual funds. Once there is a "crisis" in the mutual gold industry, relying on its own "state-owned enterprise qualification" and "government endorsement" is bound to "dominate one party".
Third, increase the source of profits: evade supervision and earn more money.
First of all, banks strictly control interest rates and interest rates when issuing products and distributing them. Although the process of interest rate marketization in China has been continuously promoted, it has not yet reached the level of complete marketization. Therefore, in order to get more income and more profits, interest rates can rise appropriately when the regulatory policies are not fully implemented. Floating interest rates can be used as the main source of increasing profits. Generally, the controlling shareholders of "banking department" are banks, asset management companies or subsidiaries of banks themselves. The attribution of profit and owner's equity is natural. For the "state-owned assets department", the diversification mentioned just now, since this business has been added, it must be for the purpose of making money.
Fourth, direct finance: left hand and right hand slow motion, right hand and left hand slow motion playback.
In the definition of money bank, there are two channels for capital to flow from capital surplus units to capital shortage units: direct finance and indirect finance. Direct financing means that short-term units can issue some vouchers (financial bills) and corporate bonds to the remaining units in the securities market. This is a popular corporate bond in traditional finance before, and now ABS asset securitization is popular. Then indirect financing is: surplus units deposit funds in banks or financial institutions, and then these institutions give them to short units in the form of securities. This good understanding is bank lending. Therefore, through observation and comparison, we find that the basic mode of mutual funds belongs to direct finance. To put it bluntly, it is to turn the previous securities market into a mutual fund platform where investors and financiers trade. This is a great boon for the "three schools". In the mutual gold industry with imperfect policies and inadequate supervision, if you want to raise funds quickly, you can directly sell packaged products and connect with investors. It is efficient through the Internet, and you don't need to hold any "roadshows" or "promotion meetings" to issue tenders. As a result, some "self-raised funds", "equity investment" and "capital allocation" have emerged. In particular, capital allocation is simply the lyrics of the topic. Borrowers are short of money for stock trading, and investors allocate their money in proportion, and then go to the secondary market for trading. What if the background of this platform is "futures subsidiary" and "xxx listed company"? They all went into their pockets. Therefore, a direct financing that is not objective and has unequal information often has the shadow of "self-integration".
Fifth, brand promotion: more "grounded" in the glorious image.
At the beginning of the establishment and development of Jin Mu, they all developed with the purpose of "inclusive" finance. In other words, everyone benefits and everyone can participate in financial activities. Many people are questioning that traditional financial banks are private banks of the "rich". For example, the starting point of banks is basically 50,000 yuan, with a high threshold and a small audience. But the mutual golden gate has a low threshold and a wide audience. Therefore, banks also want to obtain more customer resources, enhance their image and be grounded. Opening mutual fund business shows that you are more "close to the people" and can bring inclusive finance to thousands of families. In addition, the bank itself is a "national credit". Once the investment starting point is low and the credit is good, it can attract a large number of investors. In an instant, a glorious image of "ten thousand people can participate" was born. The "state-owned assets department" and "listed department" are also very powerful, and they can be the first in other industries. With the background and talents, the mutual gold industry is not necessarily bad, which shows that we are experts in many fields and have strength, which once again adds a lot to our glorious image. Finally, if the background of "third-line" shareholders is promoted as a brand, it can enhance the information of investors and have a strong market investment effect. An e-commerce shopping platform is a good example: in the past, the platform was just an online store, and shareholders and bosses were in a mess. It is said that one day this platform also opened a mutual gold platform, and investors flocked to it. It is said that the platform and the boss are really amazing. You can still do this, and you must be strong. The beneficiaries of this chain reaction are not only the mutual gold platform, but also the original industry of the enterprise itself.
Whether it is the banking department, the state-owned assets department or the listing department, it should play an exemplary role in the Internet financial market. We should abide by laws and regulations, maintain fair and reasonable competition in the market, follow regulatory policies, and constantly improve the software and hardware of the platform. Do your best to protect the rights and interests of investors. Most importantly, the shareholders of the "Three Series" platform have certain authority, professionalism or "national credit endorsement". Once the "Three Series" platform is suspected of illegal operation or illegal operation, it will not only damage its own reputation, but also make investors and other platform people shake the confidence of the whole market. As an investor, private parts are not all risky, and the "three places" are not all safe. Any enterprise exists for the purpose of profit. Once there is profit, there will be buying and selling and "killing". Therefore, when observing the platform investment, investors should combine their own risk tolerance conditions and fund allocation to achieve safe investment and enjoy the benefits.
P2p risk control system is a whole, and the lack of any link may weaken the strength of risk control. In addition to the above aspects, individual platforms also include asset mortgage guarantee, installment repayment, financing guarantee agency guarantee, and innovative credit review system. Of course, there is also a platform like Mu Rongbao, which is relatively safe. In addition, the security maintenance system of online loan system is indispensable in the risk control system to prevent hacker attacks, account information disclosure, and fund theft.