Appropriate letter wants to make field of financial science and technology " the person that integr

Look in Tang Ning, the moat that appropriate believes is " concept innovation, mode innovation, technology innovates " , go to finance one case with the conformity with effective science and technology, through " integrated type innovates " , achieve 1+1 to be more than the effect of 10.

The article is released at " haing Buddha commerce is commented on " , full text 4500 words, read need 6 minutes about.

Ge Ci of · of Williams of American finance historian graceful in him " chiliad finance history " in say, financial story is the story of a technology actually, like other technology, finance is able to develop through carrying efficient innovation ceaselessly.

"Look round 12 years, appropriate letter basically became two major issues, it is general benefit finance, 2 it is money management. " Tang Ning of appropriate letter author says, in these two important matters, science and technology had essential drive effect. "The financial science and technology that appropriate believes is ' integrated type innovates ' , the thing that appropriate letter does is domain of financial science and technology ' apple ' .

Appropriate letter founded 2006, that is the Internet that catenary of mobile Internet, big data, area piece has not come " first half " .

That year, bangladesh economist, be called " poor banker " Mohammed · Younusi, because of initiate and developed " small loan " and win nobel prize, general benefit finance begins to enter public field of vision.

Beijing University maths fastens study, the United States is gone to to study abroad after, invest the Tang Ning with bank old job in wall street, ever followed in Bangladesh Younusi inspects those who learn Ge Laimin orgnaization to run mode. 2006, tang Ning establishs appropriate letter, became Pu Huijin is carried out the earliest in China be in harmony, propose one of people that build individual credit system.

White shirt, black on the west pants, always be the face brings smile, I think Tang Ning is China all the time most the person that resembles financier. Come 12 years, years did not produce what change on his body it seems that, dan Yixin is however " canoe already crossed 10 thousand heavy mountain " -- appropriate agriculture loans, delightful borrow, fund of mother of equity of collect of the fortune of letter of appropriate letter Pu Hui, appropriate, RA that throw rice, illicit... appropriate letter made the whole world APP of the first loan, button makes science and technology of place China finance the first, product matrix colourful is become like that situation.

The plan says: Left: Appropriate believes father Tang Ning, right: Zhao Jicheng

Appropriate believes the success that gains 12 years, cannot leave science and technology the drive to finance and ode can. Nevertheless, in the impression of average person, can feel BAT is company of science and technology, is the science and technology that appropriate believes reflected where? Be unlike BAT in that way cruel?

"I do not think we not cruel. " Tang Ning gives immediately refute, "The cruel of our cruel and BAT has distinction, the science and technology of BAT is science and technology of in a popular style, the disbursement that Everyman can use, red bag, our science and technology is to specialization science and technology, deeper, more professional, everyman is not contacted, but as shirt-sleeve as financial deepness however. But as shirt-sleeve as financial deepness however..

The AI+FOF system that Tang Ning started appropriate to believe development is exemple, this is AI the technology is in first the product of applied be born of industry of illicit collect equity. Mother fund investor searchs an interface through one key, what OK and rapid understanding pays close attention to person of investment of whole of orgnaization, company, outstanding achievement, fund, management, and even orgnaization place casts project industry to distributing, annulus second distributing, level distributings, follow-up financing circumstance and public feelings are monitored wait for information. AI+FOF system can promote illicit collect equity the efficiency of investment greatly.

This system used the technology such as a collection of illustrative plates of algorithm of NLP, analysis, knowledge, enclothed many 20 thousand investment orgnaization of Chinese at present, main body of 30 thousand fund, business of 10 thousand about a hundred financing, but every second modal analysis 10 million data.

Besides, the science and technology that appropriate believes returns deepness confluence to be in turn over con business, intelligence to urge accept the square respect scale such as business of business, intelligent customer service, in each flow. Be in for instance oppose con aspect, appropriate believes be adult department false instead, no matter be delightful,borrow, big data center, send sincere A blessing to be had turn over con ability, have different stunt severally, back appropriate believes data of experience of 12 years of Pu Huijin be in harmony.

Take honeycomb for, honeycomb it is the solution that undertakes with big data data wind accuses, the business that does breaks through the technology that make a holiday through technical one by one namely. Algorithm is for instance medium, of the user a few have doubt behavior to be able to spark algorithmic query, for instance the working address when user him input has when hesitating, can ask this address the star around to Buck is in, what to go up to be tasted newly in inn. These are integrated the technical application of LBS, algorithmic, big data can compare the person's rapidder and accurate judgement to give doubtful point. Honeycomb the electronic Zhang that still gets user authorization through reptile technology is odd, capture and the behavior characteristic that analyse an user, apply visual identifying to analyse the electronic Zhang sheet of the user.

No matter be delightful,send sincere A Fu at present, wind accuses ability to get the partner's height is approbated, output the ability that win a customer external, include user picture and discharge to distribute. "Others begins to use our technology, it is best to our technology capability proof. " Tang Ning says.

Summary appropriate believes the characteristic of science and technology, tang Ning thinks company of apple of similar United States, the " be a comprehensive expression of that is financial science and technology person " . "Appropriate letter uses the technology of foremost edge in actual demand of finance, play fact of science and technology the true square respect extent that is used in appropriate to believe professional work, wind accuses, flow is optimized, in managing actually, finance and science and technology cannot depart. Finance and science and technology cannot depart..

Tang Ning was lifted delightful borrowed example. "Around was a node 2011, mobile Internet times comes, can carry intelligent terminal mobile phone this kind of way is more easy go getting client information, make essence of life allow a picture to the client through the means of big data, what appropriate letter banner falls is delightful borrow, business is connected borrow wait for emerge as the times require of a series of product of innovation finance science and technology.

Appropriate believes technical characteristic, be from beginning to end be in harmony at financial demand in, the demand that waits for development with general benefit business, money management is direct and relevant. In domain of innovation of financial science and technology, appropriate letter is science and technology learn to apply at the example in finance.

Science and technology is endowed with to finance can another, it is the financial ode to science and technology can.

This year on January 30, " ability of engineering course of hemp province manage is commented on " hold in Beijing " youths of 35 innovation of 35 years old of the following science and technology " prize-giving celebration, this is this award first time puts prize-giving celebration in China, and the cooperates to just come from China namely appropriate letter of backside.

Appropriate letter is not the technical innovation with first time global support, appropriate is believed " endow with with finance can science and technology " had done a lot of year.

Innovate through investing motivate to share global science and technology on one hand. Appropriate letter passes mother fund indirect investment, equity is numerous chip give aid to directly, the means such as investment of whole world of fund of investment of new banking industry, supportive science and technology company grows, participate in innovation of global science and technology.

On the other hand supportive skilled personnel develops. Appropriate letter tries hard by right of oneself, improve a talent to develop an environment, draw return to one's country of abroad skilled personnel, the talent is inducted inside global limits.

"The financial science and technology of our overseas invests, had become investor of the United States' most active financial science and technology, let a lot of person of the same trades of the United States surprised, gave us of a lot of encourage and approbate. " Tang Ning says.

Appropriate believes subordinate new banking industry to invest fund, it is fund of country's biggest investment of estate of financial science and technology not only, also enjoy high reputation in the world. In the whole world investment project already exceeded 30, enclothe science and technology of car finance, insurance, network the financial science and technology such as service of banking of leasehold, business each fractionize domain, arrive from consumption credit, ask for a letter to manage to wealth tax, the room borrows credit to trade etc, appropriate believes new banking industry to invested fund to finish the whole line that carries C end from B to enclothe.

In the meantime, appropriate letter still passes fund of subordinate mother of illicit collect equity, to China of abb of IDG capital, real fund, classics such fund is noted endowment, invested innovation of many science and technology enterprise secondhand. Love is strange art, hungry, the music with B station, the greatest whole world sheds media Spotify... the much home that appears on the market this year alone horny animal backside, appropriate believes fund of mother of equity of fortune illicit collect direct or indirect investment.

The mother fund that established this 2013, administrative scope exceeds 20 billion RMB, accumulative total invests the fund with more than 200 banner industries, more than 4000 high growing companies add up to outside enclothing churchyard secondhand, be be worthy of the name of backside of enterprise of innovation of numerous science and technology shove a hand.

Invested enterprise of so many global science and technology, whether does appropriate letter have make " is appropriate letter zoology encircled " strategic intent? Resemble group of Tecent ecology group, A Lisheng state, millet ecology group.

I throw this question to Tang Ning. Tang Ning says, tell on Cong Yixin's strategy, invest or beg to appeal to at all with financial redound, but the company that a lot of projects that join as a result of place are the domain of financial science and technology with appropriate familiar letter, so regular meeting has synergism of a few strategies, be in the company of financial science and technology that the United States joins for instance, a few technologies can think appropriate believes place to use, future can use Chinese market certainly. "More important is, the innovation of the enterprise that be cast can become appropriate to believe the fountainhead that concept innovation, mode innovation, technology innovation learns. The innovation of the enterprise that be cast can become appropriate to believe the fountainhead that concept innovation, mode innovation, technology innovation learns..

Tang Ning says, arrive every time Silicon Valley, wall street, Israel, the forward position of innovation of financial science and technology that goes understanding them with etc place, with Chinese market photograph comparing is opposite, it is first-rate to appropriate letter learn an opportunity, know where future is, job of other and excellent financial science and technology person what thinking, what to do, this is particularly great value to appropriate letter.

"When appropriate letter is choosing the company that be cast, staring at this enterprise can simply can be in short-term inside letter giving appropriate is brought how old value, it is a center with market of whole finance science and technology however, it is a center with preeminent company, is not with appropriate the letter is a center. But may delightful appropriate oneself, it is a center with the family, build this system, the biggest person that be benefited still also is us. The biggest person that be benefited still also is us..

Tang Ning is a person that has strategic eye and big situation. Evaluation of the personage inside a lot of course of study says, tang Ning always can be mixed to policy environment market situation makes fast person the judgement of one pace, and make overall arrangement quickly, guide an industry to develop ahead. From the general benefit finance 10 years ago, little small credit, to Internet finance, money management, commercialize mother fund, appropriate believes every node to be able to get job of go ahead of the rest half pace, and dependable and dovish, work steadily ground goes ahead.

The father of company of science and technology of a finance says to me, he chooses to do poineering work 5 years ago make financial science and technology, because be on a magazine,read the special report to Tang Ning namely, listened to the Tang Ning judgement to the industry, he decides to enter this industry.

Such word is best to Tang Ning and appropriate letter affirmation probably, this also is to be in the numerous Internet company such as BATJ to begin to talk " go finance is changed " when, appropriate letter still is in domain of financial science and technology steadily before the bottom gas place of travel.

Gas of this kind of bottom also comes from Yutangning to have an insight into and be judged to the profundity of Chinese overall situation. A literary works that country of Beijing University of Tang Ning approve of develops academy yellow beneficial to make the same score a professor " financial innovation is the biggest the challenge is the endurance that breeds capital " .

This article thinks, the basic requirement that Chinese economy grows true sole to rebound is the industry upgrades innovation of replacement, technology, efficiency rises, the industry upgrades replacement is essential on need technology innovates, technical innovation needs financial innovation again. And the traditional banking that gives priority to body with the bank is to cannot satisfy technical innovation to need, so support and the development that encourage new finance are the inevitable requirement of Chinese economy transition.

"I the view that special self-identity Huang Yiping teachs. "Tang Ning says, traditional banking matchs traditional economy, new finance of new economy demand. The general benefit banking that appropriate letter does, money management and administrative mother fund, in the final analysis is to support the development of the transition of Chinese economy and new economy, make up for the inadequacy of traditional banking. "New finance endows with can new science and technology, new science and technology brings new economy, appropriate letter contributes force in the development that is Chinese new economy. Appropriate letter contributes force in the development that is Chinese new economy..

If crossing a boundary recently, inscribe very fire.

Department of history of religion of new York university teachs Zhanmusi Cass a of compose thin thin philosophical booklet " finite with infinite game " , the person that be done poineering work by Chinese Internet allegedly people scare buying one sky.

Beautiful group from do a group to buy, outside sell share bicycle and take a taxi a travel, drop drop from take a taxi the field sells outside entering, crossed a bound to become the new normal state that commerce competes it seems that.

But come 12 years, the impression that appropriate letter leaves to the outside is to immerse oneself in domain of deep ploughing finance all the time, maintaining huge dedicated with patience. Letter of outside hearsay appropriate is in probably whole appeared on the market 2020. So, tang Ning how look upon crosses a boundary this topic, how will tell the story that appropriate believes again?

"If my feeling crosses the word of the bound, often show oneself this mu of 3 moat that distribute land are not quite deep, the threshold is not quite high, doing doing let others give overturned, the likelihood needs more a few strategy that cross a boundary. The likelihood needs more a few strategy that cross a boundary..

Tang Ning says, be in China, finance this one thing is a very large issue, the market is exceedingly big, enough let oneself do a lot of years. And appropriate letter goes in the demand that follows a client all the time, the demand that follows tomorrow goes, dig oneself moat greatly, establish the threshold enoughly tall.

Face the competition of a lot of person of the same trade in the industry, look in Tang Ning, the moat that appropriate believes is " concept innovation, mode innovation, technology innovates " , go to finance one case with the conformity with effective science and technology, through " integrated type innovates " , achieve 1+1 to be more than the effect of 10.

"Appropriate letter understands to financial profundity, accurate to the essence of the risk accuse, it is very high threshold, by no means it is OK that anybody comes between one night of change of weather.

Look in Tang Ning, an enterprise considers his border, the DNA that should be based on oneself makes judgement. The DNA that appropriate believes is financial details, correspondence uses the sensitivity of science and technology, and the methodology of innovation. What does appropriate letter do, what to do, can think from oneself DNA, do the business that oneself are good at.

"China has a lot of opportunities, but I can ask myself above all, I go to this thing do go doing with 10 thousand someone else have what advantage, can compare other 10 thousand people are done weller, if cannot answer this question, I may not do this business. I may not do this business..

Tang Ning says, still have a kind of case, it is someone else it doesn't matter clear advantage, appropriate is believed also never mind is clear advantage, that with respect to the demand angle from the client, set out from the point of view that promotes oneself the doorsill, thinking is a thing that must want to do. If be a thing that must want to do, oneself are not done, be overturned likely after 5 years, na Yixin is done with respect to regular meeting, otherwise if can be done through cooperative means.

At present, ant gold is taken, Baidu, Beijing east put forward " go finance is changed " , emphasize outputting ability of science and technology external, and traditional bank also is increasing investment of science and technology, does this meeting believe the pressure that brings competitive aggravate to appropriate? Tang Ning not so look.

"Go the wording that finance changes, had better hear its talk, watch its to go, let bullet fly a little while. " Tang Ning says, go truly gold melts, still should look take do not take license plate, the client is after all in whose hand, it is to be in the hand of Internet tycoon, in the hand that still is a bank. If both sides is catching a client not to let go, trust is established very hard.

And the business that appropriate letter does is the demand that contented and traditional banking was not satisfied, form poor dissimilation additional fixed position, go enclothing the market to serve not not complete, comprehensive place. So appropriate letter and traditional banking orgnaization are not competitive relation certainly, the market also is not the Red Sea certainly.

In several contacts that come for years in I and Tang Ning, what always can experience his body to go up is hopeful, calm with old structure. No matter market environment is sodorous push ahead vigorously or a fleeing army's suspicion of danger at the slightest sound, no matter superintend comfortable still be hasten is tightened, the wind that there is financier of immobile of a kind of lofty on Tang Ning body model.

People often says, the disposition of father is the disposition of the enterprise, this kind of wind model of Tang Ning also portrayed the quality and style that appropriate believes. This kind of character and morals has blended in the DNA that appropriate believes in 12 years of in the past, grow those who accompany future.

"General benefit finance and money management are extremely huge market, what just be popular in China is overnight, just begin. " finally, tang Ning cited Qiu Jier's word: "It Isnot Even The Beginning Of The End. But It Is Perhaps The End Of The Beginning. But It Is Perhaps The End Of The Beginning..