Internet Babies Are Full At The End Of The Year.

During the Spring Festival, the stock market is closed, and financial products are suspended for sale. Wage earners are required to find an export at the end of the year. Unlike in previous years, the emergence of babies broke the old way of relying on traditional bank deposits, buying stocks, trusts and other financial means, making Internet financial management in the public eye. And the "catfish effect" of Internet finance has just begun to show itself.

Near the Spring Festival, the year-end bonus is a topic that can not be carried away. The financial manager of the ant gold business school points out that when the year-end bonus comes to hand, a plan must be made. The first step is to consider "must pay", including housing loans, support for the elderly, tuition fees for children, etc. the second step is "must spend", including necessities such as clothing, food and shelter, and so on. The third step is "must be saved", including insurance, pension and other reserves. Except for the above part, the rest is best used as investment.

The big year-end bonus is always lacking. There are more varieties of bank bonds, futures and stocks, but the emergence of Internet financing such as balance treasure and financial management has lowered the threshold of Internet financing. The huge Internet user traffic has also made Internet financial companies focus on the year-end bonus of users.

Alipay wallet and last week's online treasure are regularly targeted for financial management. They only sell cash guarantee, guaranteed capital interest and regular high yield products by financial institutions. It is understood that the current balance of treasure and treasure two accounts have been achieved mutual funds transfer. Users can use the balance of treasure's funds to reserve regular high yield financial products, and after the expiration of the products, the principal and interest will be returned to the balance treasure to achieve 7*24 hours mobile financial management.

Tencent CAITONG also launched promotional activities. From February 1st to February 16th, 15 users can get more than 50% of their earnings through the activities page.

　　 Internet Enterprises With the mastery of transaction data, it also launched consumer credit business, which is aimed at year-end awards.

Ant micro loan and Taobao, Tmall jointly launched the credit consumer loan service "flower chant", the opening of "flower chant" function, consumers can get a maximum of 30 thousand yuan consumption credit line, consumers in Tmall or Taobao purchased goods can not pay cash temporarily, after confirmation receipt, next month 10 days before repayment can be done, there is no cost during the period, after the repayment amount of consumption will be restored. Over the deadline, consumers need to pay 5% per day, similar to the bank's credit card punitive charges. At present, Tmall and Taobao have more than 2 million businesses supporting the use of "flower chant" payment.

It is worth noting that Internet companies do not simply link up traditional financial businesses such as deposit, loan and remittance.

In January 5th, Central Bank The notice will allow 8 organizations to prepare for personal credit reporting. Less than a month ago, Ali group's Sesame credit began to be publicly tested, and some users could query their credit scores through Alipay. The scores range from 350 to 950. Customers with a credit score of more than 600 points can enjoy a free deposit and rent in cooperative car rental companies and hotels. Such as Shenzhou car rental has recently indicated that users can rely on their sesame credit score in Alipay wallet, without deposit or pre authorization.

Back in December 2014, Jingdong group Liu Qiangdong, founder and CEO, also said that in 2015, Jingdong's financial services would be linked together. There were three main aspects: promoting the rural economy to integrate the electricity business and finance together, and promoting the innovative enterprises and campus Finance on the platform in the two quarter.

Analysts pointed out that due to a large number of trading scenarios, Internet financial development will still have many innovations. In addition, the characteristics of the Internet without borders will also touch on the weaker areas of traditional finance, such as rural areas, campus and so on. From the present point of view, Internet financial companies have been granted licenses, and their financial businesses have just started. With the enrichment of financial formats and trading scenarios, Internet finance is expected to become a catfish that touches financial reform.