Internet securities business is not a simple parallel migration from offline business to online business, nor is it a simple integration of existing platforms and information technology modules. Instead, under the trend of "electronization-internetization-mobileization", a comprehensive financial service system from sales channels, business functions, customer management to platform upgrade is implemented from the executive level, and the architecture conforms to Internet business practices and user experience. Judging from the current planning of Guotai Junan, comprehensive finance and customer experience are indeed the key words of its layout of Internet finance: on the one hand, it will build an integrated financial service system through a more comprehensive financial service chain and a perfect appropriate service system, and form a differentiated positioning with Internet companies; On the other hand, we should actively keep up with Internet companies in terms of user experience, learn from the Internet thinking mode, start from the Internet customer experience, explore new products and services suitable for online customers, constantly promote the development and improvement of our own Internet platform, and form a significant gap with other financial institutions.
According to reports, Guotai Junan will implement innovative exploration in three aspects: customer account opening, access to funds and appropriate management, so as to adapt to the customer experience of Internet users to the greatest extent. Specifically, through account stratification, the traditional account opening process of securities companies is transformed into the process of registration, account opening, activation and recharge with Internet characteristics, and the customer experience of securities companies and Internet companies is at the same level; With the help of the central bank's payment system, it can enrich the channels of fund collection and improve the convenience of customer's fund use; Based on the idea of stratification, we explore the appropriate management forms with Internet characteristics, match the appropriate management norms of different levels and different ways according to different levels of account authority and product risks, optimize the purchase process of low-and medium-risk products, and enhance customer experience. For customers, in the future Internet platform of Guotai Junan, they can achieve comprehensive financial needs online, such as relying on third-party payment to complete living consumption, relying on digital certificates to handle business conveniently, relying on Hong Jun Financial Mall to simplify investment and wealth management, and relying on their own will to achieve one-click ordering.