'Baby' threats and independent electricity suppliers frustrated, banks should doText / Huang Jianming public micro-channel number: huangjianming026 2014, the banking industry has experienced over the past year balance of financial products and other Internet treasure impact, self-built electric provider channel after setback, still faces some challenges transformation of the Internet. 2013 is the 'baby Regiment (Balance Bao, Baifa other Internet IMF),' the most sought after day, their seven-year long-term rate of return of about 6%. But things have changed this year, 'baby Legion' yields began to decline, especially into April, the market gradually easing the financial side, the balance of treasure and wealth management through the 2015 Latest Nike Shoes Internet and other wealth management products in all seven of the sharp decline in yields. Although earnings declined, but by a bank into a 'baby' of the funds still continue to grow, it can not be ignored. On the other hand is the electricity supplier of high-profile bank on-line, the bank's good financial business running a year and a half of the total trade volume exceeded 30 billion yuan, the overall growth rate started to slow down, the sources also admitted that money is still far away from their own; livelihood The electricity supplier of high-profile bank set up a high-profile expert hired scholar Yin Long, but after the formal establishment of the people's livelihood electricity supplier three and a half, Yoon Yong lightning resign in mid-December. Minsheng electricity supplier into the strategic contraction, the future is unknown. For the 'baby' of the two means the first gentle means: the tide, user education investment Conversion 'baby Legion' is a threat to banks mainly in demand deposits side. At first, the balance is considered merely a convenient Bao withdrawal of the IMF, is not a threat to the bank. On the benefit side, the annual yield of about 5%, some short-term financial products investment products 8% -15% of earnings with respect, it can not be compared. Even the largest balance of 250 billion yuan of funds owned treasure, it is only 0.24% of the total banking deposits. Short-term threat is not large, so the bank can take moderate means, with the tide, the introduction of easy to store and easy to take the IMF, the first pre-investment behavior in higher interest rates competitive differentiation, and the introduction of direct deposit users to change to educational means, in the major line point, website, telephone and other channels to allow customers to start its deposits taken part into this category 'Baby' product for the customer 'baby Legion' investment, can be properly educate these users, based on financial security point of view, be able to deposit and money market funds invested in a bank, so that customers have a better experience, achieve financial recovery of their own internal deposits, investments form a closed loop, refused to drain. Difficult to achieve: 1. bank's internal resistance to reform, large banks bother to do this kind of retail investment products limited 2. Service number on duty in each branch may be less than ten people, for some Puka user, impossible to achieve alone service, separate advice, more is to many, to conduct business in trouble. 3. deposits from their own pockets to start, like a self-protection behavior, rather than open up a new user, thinking inherent to the bank, it will not do so in their own internal change. The second tough: the visible hand, forcing tough regulatory policies many relatively simple and crude, will be a pole of the 'baby Corps' be labeled as strictly monitored based object, subject of most Internet companies have no financial background move once implemented, 'baby Legion' It's hard to resist. Recent signs have been introduced, known investors in the microblogging born Huang pointed out: A banking source said in an interview, he said that once the treasure to pay the balance of the reserve, the current yield may Nike Air Max 1 drop a point or more, Thus, the amount of less than 4% of the proceeds, the attractiveness for the user must be greatly reduced, the effect of this tough, is the immediate, but the consequences for users of injury is quite large. Realization difficulty: moderate means respect, but is easier to implement, but also more in line with the interests of banks. The biggest difficulty is that, after a tough, users of the bank's resentment deepened. Continue in the way of innovation, although electricity supplier has previously said the bank's good financial business slowdown, and Minsheng Bank's electricity supplier false starts, but in the long run, banks to enter the electricity supplier industry, and is a deep plowing an inevitable trend. For the Internet, the mobile Internet era is becoming increasingly 'old' in the banking industry, the electricity supplier of this innovative tool, must not be easily lost. With respect to the independent electricity suppliers one by one in trouble, banks really are looking for a more fitting way to carry out their own reform. Allow banks in the field of electricity providers that can find their own a 'balance of treasure', so that these 'elephant' quick, practical innovation. In addition to the independent path, leaving the bank chooses the road, the only one, is to collaborate with third parties, implementation techniques, products, outsourcing all aspects of the train service. There are many companies to choose from, but really have Air Jordan 18 to Nike Air Presto Mens match the strength of the business with the bank really rare, to achieve the 'Balance Bao' This disruptive effect is even harder. And there is '99 Unlimited' This low-key business in recent years into everyone's vision, last year the letter Haiguang teacher in the 'bank-based electricity supplier crux of where? 'Article also mentioned that companies, banks do raise electricity supplier has many unique advantages, such as a large number of customers, hundreds of millions of bank cards and credit card holders, but at the same time the lack of electricity providers thinking, in the shopping experience, service too deep, it is also no accumulation, while 99 unlimited company is able to help banks quickly embrace the Internet. As we all know, the bank's own system is very large, complete transformation of the electricity business takes a lot Nike Air Max 2013 USATF of time and energy, by means of external forces, such as embedded 99 unlimited such third-party platform, allowing the bank to achieve rapid Internet technology, and realize the value of value. As of May this year, 99 unlimited Mall and value-added applications have been made in cooperation with industry, agriculture, in construction, Shanghai Pudong Development, Minsheng, China Unicom fertile payment 43 banks and institutions. 2013 China mobile shopping market size of 167.64 billion yuan, 99 unlimited mobile shopping market share of 2.96%, an increase of 58% compared to 2012. The second half of 2013 revenue more than 72 million yuan, registered users reached 2790 million, an increase of nearly 50 percent is such a low-key business since December 2012, grabbed the highest market share of the domestic banking sector electricity supplier, for Big Data Bank mall custom implementation services Air Jordan 9 for banks from the planning, marketing, promotion and other services, and the upcoming mall more diversified content, including games, card vouchers, so that only the data bank access We can complete the electricity supplier of the process. The bank, based on its own data protection, nor will data to the number of third-party companies, or to a less powerful small companies. Difficult to achieve: 1. to make stick to the traditional banking has taken the first step in working with a third party is very difficult 2. The bank's own financial security, information security concerns are more likely to increase marginally to 3. The bank's own earnings, Can you become the main business of the bank, it remains to be seen Conclusion: Whether it is the Internet IMF model, or electricity Air Jordan XX8 provider model innovation, are two common ways to tell a word bank, are subversive. In the case of advances in technology, but also adhere to stick to their same old, it will be final at the expense of their own, do not choose the only way, the decline. We Chinese have pursued before the English slang: no zuo no die (not seek death will not die), for the banking industry, it is no zuo must die (not seek death, must die).