Online banking launched by the four major commercial banks, mobile payment launched by Tencent in conjunction with PICC Property and Casualty, Yu'E Bao developed by Taobao and Tianhong Fund, and many other third-party banks including YiFubao, BaiFubao and Kuaiqian.
Third-party payment platform.
In 2013, the fields related to global private equity and Internet finance continued to be hot in the past few years.
In May alone, Twitter announced the acquisition of big data startup Lucky Sort; IDG announced two investments related to virtual currency; Microsoft plans to invest US$1 billion to acquire the digital assets of Nook Media.
In July 2014, a domestic P2P company completed Series C financing, with the cumulative financing amount exceeding 600 million yuan within three years.
The main investor in Series C financing is Lanting Investment, a subsidiary of Singapore’s sovereign investment company Temasek.
In addition, the first two rounds of investors, Lightspeed Anzhen China Fund, Sequoia Capital, and Kleiner Perkins China Fund, have all made additional investments. Microfinance, also known as WeChat Finance, is an emerging financial model around 2012.
That is, with the help of typical social media platforms such as WeChat, it provides users with a relatively small-scale financial behavior environment such as financial management, investment, and loans. Generally speaking, it refers to small and medium-sized enterprises, entrepreneurs, individual industrial and commercial households, and small investments.
financial services provided by others.
A third-party platform recently released a ranking of WeChat financial platforms. Taking the top-ranked "flash loan" as an example, the financial report for the third quarter of 2015 showed that the transaction volume of its lightning loan platform in the three months of July, August and September were respectively
There are 195 million, 228 million, and 267 million, and the growth is extremely rapid.
As the microfinance information service system continues to grow, the concept of microfinance information services is also expanding. Now its most accurate definition is: small amount, short time, specially provided to small and micro enterprises and low- and middle-income groups.
, activities of sustainable and circular micro-financial products and services.
"There are two characteristics of microfinance information services: first, it targets small and medium-sized enterprises and poor or low-income groups as specific target customers; second, due to the particularity of customers, it will have financial products suitable for such specific target customers.
and services. In terms of the large-scale offline POS acquiring market, more and more third-party payment companies are expanding into the offline acquiring market. In the future, offline payment will have an important impact on the entire comprehensive payment market structure.