Internet banking first anniversary: Balance Bao Nike Barkley Posite Max most ground gas, Bitcoin most seek death, all to raise the most twisted, P2P riskiest, most embarrassing traditional banks[IT Times Editor's note] from the balance has been a treasure Air Jordan Men birth anniversary of the development of Internet banking is also everywhere, but few happy tears. As a representative of the way the Internet finance, NIKE KD 6 NSW development balances treasure, all chips, Bitcoin, P2P net loan, credit and traditional banking varies greatly. Some do not care to grow, and some regulated exterminate some careful banner edge ball, some waiting air policy. The author then describes in detail the Internet banking in Taipei for us. A year ago June 13 Balance Bao was born the concept of starting a full range of Internet banking boom. After the balance of treasure, a lot of content but also put the 'Internet banking' coat, however, P2P, all the chips, Bitcoin, small micro-Ali, the third party payment has long existed. But, the financial sector is still only considered as minor and not to regard it Yigai opponent's vision. So much to do Internet banking this year is innovation, as it is done to integrate. The balance of the treasure as the representative, in the name of innovation, many financial market segments are integrated into the 'Internet banking' concept below, together constitute the prosperity of 'air and pig' ecosystem. How these players performance? This and Ali Ali small micro electricity supplier parallel group includes most imaginative Ma future assets - Alipay. Nike Lebron 10.8 When the balance of the Ma Po practice 'if the banks do not change, we will change the bank' rhetoric, it is very easy to mistakenly think that this is a long-term plan ready. In fact, this argument is 2008 Ma said, Alipay stake in the dispute before it impossible to think of the balance depends on the nature of the treasure such a financial product shaking the financial sector. Until March 2013, the balance of treasure more than half of the project has been the progress of works, everyone's attention is still facing Taobao sellers who Ali small loan. Q. Ma Ma: We are honest operators, Ali what emboldened challenge banking? Ma replied: 'For me, my first duty is not to help financial institutions to help financial institutions, to help the poor is a government thing, but it is my responsibility to help customers, help countless Taobao seller, if I can find one. The method I must go. 'which can not see Ma yearning for inclusive finance, banking and no shake domineering. If there is no balance of financial treasure off the Internet boom, small loans and extensions of credit Ali funding Ali information management program receives the attention a lot less, but personal finance business and loan business for the seller and not substantially intersection, this possible future business development and Ali his 'silver silver platform' cornucopia relationship more closely. Balance Bao - may no longer had a treasure who underestimate balance it is also a normal thing. Even Alipay and Celestica have not been able to think of the balance of treasure have so much energy, it can be integrated into many segments together to accelerate. For example, Tencent micro letter to several major telecom operators never touch the treasure than the balance of the banking sector is small, trying to accelerate leveraging micro-channel products are also many, but micro-channel pay it in turn become part of the general trend of Internet banking. If not, the financial wave of the Internet has brought a sense of urgency, the two heavyweights in the calculation of the subsidy cost of a taxi software probably not going to rush out to the mobile payment habits more than 20 million. A year's time to prove miraculous Nike Air Jordan Flight 45 balance Bao attracted the most attention, but no one longer replicate a balance of treasure. Nobody can copy cashier ecological Ali electricity supplier, to replicate the natural balance of treasure unreasonable subsidies by high yields. The second half of 2013 IMF subsidy vigorous agitation abrupt end in 2014, we Nike Air Griffey Max want through a full range of financial services to retain users. For example, Jingdong and Baidu in the various functions of financial management, payment, payment and other packaged together, the former network silver purse and white bars around their electricity supplier has a complete copy of the eco Alipay latter Baidu wallet to use the traffic advantage Similar micro-channel. But first camp still only grasp the 'Today' Bao balance and control 'tomorrow' micro-channel pay two only. Womens Heels Even Alipay not replicate themselves treasure another balances. Remember the balance after treasure on the line, those fund companies eager settled Taobao finance is full of passion how tempted you? Later fund Taobao dismal sales performance so that fund companies are well up on the electricity supplier to this lesson. Guaranteed minimum guarantee universal insurance may occur explosion models, but the insurance company destined to eat too much of such a high capital cost; even Ali Ali loyalists One trick to sell the Capital Preservation Fund treasure when the same situation arises subscription is less than expected, trying to extend the raising period practice immediately angered pinch pennies Cock wire groups - so that these balances Nike KD V Elite Low Po target users build loyalty is much more difficult than expected. While the regular army of financial institutions who take this close to the user's Internet payment channels no good way to raise the public, and P2P Bitcoin become Internet banking entry threshold is very low, a lot of capital and entrepreneurs treasure brought by the balance of the east, killing to the contrary, these large organizations who dare to intervene in the market. Public raise - raise public equity looks beautiful red line supervision is always on, but can not do do all to raise public equity raised, twisted result of China's transformation into a public Web sites have raised the sale site. For example, was founded in April 2011 of the named time continue to raise the public body color fade, and now it is positioning itself as 'China's largest smart products starting platform', it is hard to think that this also belongs to the category of Internet banking. Bitcoin - the beneficiaries of this area had a very small minority, all of a sudden become a top Internet banking and all the better with regard to freedom and to the center of the vision to be the most likely to tell the story of the great innovations. From October 2013, China's Bitcoin trading volume soared several times, until the November already ranked the world's second Bitcoin holdings, 2015 Latest Nike Shoes trading volume first in the world. After the summit is a tragedy, the central bank cut off shot Bitcoin and RMB exchange channels, the world's largest Bitcoin traders Mt.Gox also use their own mistakes accurate up the knife. P2P-- hottest May 2014, the National P2P net loan reached 64 billion yuan, less than six months has doubled. Foot platform also increased simultaneously, just in the first quarter alone, more than 20 P2P problems. The industry balance treasure before the birth of rapid development in the state, because the streets around the country shop small loan companies and investment guarantee companies make huge private lending surfaced, Internet banking and pushed a handful of them. As Internet companies, as long as the random registered an information services company, we will be able to build a fashionable P2P online platform to these private loans on the web to do. Redlined not only licensed regulatory attitude, illustrate the direct financing mode also waging against companies and users to use real money to explore for a long time. Credit - beginning this year, there is always known to do credit institutions, the central bank will certainly release a license after the man credit institution would lead to more and more players and investment. The problem is that China's credit environment is poor, because of a variety of supporting regulations and enforcement all have poor credit records are not complete is the result and not the cause of these gaps. Ali and Jingdong are known with 'big data' to judge the lender's credit. The former relies on Taobao as collateral, which relies on the goods at hand to pay the purchase price or not, is still the core of innovation collateral, the two billion loan balance magnitude of hundreds of thousands of small and micro magnitude million corporate credit market is difficult to have a substantial impact. Bank - The most embarrassing Alipay was referred to 'lived and died, must Kang Zhu', the bank carefully observe changes made in 2014, which did not before in relation to the 2008 financial crisis? Including the balance of the total IMF, including Bao finally break one trillion, although individual savings compared to nearly 50 trillion remains untold subversion, at least until very resist treasure bank balances have launched a deposit docking goods based products. And some banks also breath launched several goods-based products, such as the Industrial Bank's direct banking and money dispensers can provide large class Balance Bao services consume a lot of internal competition. Banks are the biggest beneficiaries of the year four trillion plan, but also the biggest victims. In front of a huge shot in the arm the stimulation of investment, adhere to the old model of credit expansion is the best choice, of course, comfortable and transformation can only choose one. That is to survive the financial crisis, but the size of bank assets also tripled, followed by the difficulty of the transition is probably tripled tripled. Public business scale expansion of the road has been reached its limit, the past decade has been high hopes for the retail business in the face of Internet companies like everywhere waiting to be subversive target, worrying commercial banks such hierarchical corporate structure exactly How many users can leave on the future of the Internet. The same is for the future, the possibility of Internet companies at a fast iteration can not wait to have to be able to catch the hand of all tried again, and the banking sector in relation to the future 'wisdom bank' fantasy is still full of cash and physical outlets obsession. Now the two conflicts are just from a business point of view the size of chipping away, interbank money market, the price is greater than the influence of public opinion on the war of words. But about the future of personal financial model also unlikely draw like this river and rule, right? Nordic sparsely populated not only fewer people using cash, ATM machines and bank branches less and less. With China's population reached its peak and the aging society intensifies, the banks find trouble when similar, they can make a change like Internet companies the same? Internet financial fever in such a competition, 'chaotic era,' among them, these two can be used as Internet financial news first birthday interesting footnote: First Celestica fund balances represent treasure in a stable growth phase, to disclose the exact size; two It is a 211 software is the first to offer Internet banking Institute of University Master, and Internet marketing, big data, networking and other parallel national shortage of talent professional direction. The former indicates that the Internet has been in financial frenzy fever, golden decade accustomed to high-speed growth will become increasingly difficult, but even just a steady growth has also been Nike Air Zoom Flight The Glove let Celestica behind the fund ranks among the world's top ten. The latter indicates that there will be more and more people and things will work hard to catch the Internet banking in the east, to the things they want to do or are packed into popular innovation, totally do not care finance itself in the end is what the Internet thing. The contentment friends, Internet financial situation now, at least more than cute stepped Internet thinking much stronger. [IT Times Editor] policy prohibits, default or encouragement, gave birth to the Internet in some areas of financial deformity, distortion or barbaric soaring. But in addition to the policy, the final choice for them or the market, return to the stalk, or their clients have not obtained financial benefits from the rise of the Internet, which is in addition to a policy decision whether the growth of the Internet real internal finance. [Editor / FENG Min] On Corning 1984.