Finance develops up to now, protean, still should return to financial structure finally substantially. End so far, financial structure or give priority to with 4 big banks, this is the child of timeses of last century planned economy, but the core that its still are enacting Chinese banking system today.
After 1978, the country begins to loosen economic control gradually, wait for the development that is not state-owned company as the town enterprise ever since, plus the further innovation of state-owned company, the need that the country serves to finance becomes more pressing. To get used to this kind of demand, the country begins to rebuild financial system, the capital that changes original complacent and conservative distributes system, allocate funds to the finance of the state-owend enterprise turn a bank into loan. 90 time restored security market early or late again, exchange control also relaxes gradually, because this RMB also began substantially devalue.
Below such premise, caused a batch to wait for financial orgnaization except the insurance beyond the bank, fiducial, negotiable securities again, these financial orgnaizations went to particular stimulative function since the development to national economy, but regression arrives most on the capital gross of core for, to national blame national endowment fastens the help of the enterprise, also be an utterly inadequate method in dealing with a severe situation. Because there is the problem that shoulders policy sex burden for the state-owend enterprise like these orgnaizations, evolve into 4 big banks and financial orgnaization to serve the situation of the state-owend enterprise together as before finally. Financial system did not get a change.
And since Internet banking industry appears oneself, be regarded as to change the ultimate edge tool of financial system all the time. Indeed, at this late hour, internet finance is affecting financial industry to change ceaselessly with its powerful innovation force. But, what should see is, the Internet finance with occurrence shorter time still still cannot shake financial system is cultivated this greatly, earth just loosened a little for reluctance just. Of course, also somebody comes into being doubt to its, so does Internet finance have future, it is to have of course, this results from the following:
Development dimensions remains to dig latent capacity as before tremendous
Relevant data shows, in the United States the fund that there is 80% in the market that cast be in harmony comes from at be being cast continuously, and China is less than 20% . Be opposite not only hypostatic economy impetus is weaker, more the financing cost that raised hypostatic enterprise. People bank data shows, deposit of our country dweller already was broken through in the round 50 trillion close greatly. And present Internet banking industry is only just 8000 much just, it is market of a blue sea as before, have ambitious latent capacity, just need more the mining of deepness.
Support of 2. country policy drives an industry to develop
Premier Li " Internet + " of the concept put forward, the country came on stage to advance Internet finance numerously to serve the relevant policy that industry develops accordingly, bring into each other gold national level strategy. Additional, internet finance still is written into central 935 programs, it is its not only renown, also remove certain propulsion for industry development at the same time action.
3. big sth used to one's own advantage is entered quicken industry innovation competition
Traditional BAT tycoon enters Internet banking industry, increased industry competition. Big sth used to one's own advantage is entered will drive an industry to enlarge the market further, prospective market reflects the competition that estimates in capital put oneself in another's position not just, also can reflect at the same time in much angle multidimensional the competition on spent innovation. Money bee gets rich tree Www.facaishu.com serves as collect " the life, healthy, conduct financial transactions, gregarious " the platform of zoology class conduct financial transactions at an organic whole, through " bee is shared " , " bee cent is sold " characteristic function lets user and agency confluence be together, share a good friend, quicken capital gains, future, future still will be received, shop, the unifinication that a series of daily life photographs such as the processing that punish sheet combine serves a function.
So, what did Internet finance backside conceal, money bee gets rich the tree thinks to have the following side:
Straight be in harmony is mixed need changes a structure of be in harmony as soon as possible
The country wanted to achieve steady growth below the premise of hypostatic economy be issued to lower levels 2015, must transform the means that cast be in harmony, reduce the cost that cast be in harmony, improve capital flow efficiency. Its need a change namely constitutionally straight be in harmony is mixed the scale of a be in harmony, let scale of straight be in harmony rise, reduce company cost, dish vivid substance, ability realizes economic stability to grow.
Financial system needs to be optimized further
Because suffer the effect of Internet, national banking system already more and more not ground connection is angry, when the innovation that faces a convention is challenged. These powerful aircraft carrier also cannot resemble acute in that way before reaction market again, the interval of its and market is further and further.
Traditional banking and Internet need to hold round development in the arms
Traditional banking orgnaization forces as a result of its the attribute of case is accomplished very hard high close civilian, cherish one's fellow citizen. And the development of Internet let everybody see silk also can grow elephant, the person that get silk gets the world, the essence of Internet is silk economy, this needs traditional banking and Internet to hold round joint development in the arms.
Financial system needs a healthy and dovish blood transfusion mechanism to appear
Since 6 years Internet finance enters China, review the history of day day, will had not appeared to resemble Internet finance again this industry, the country undertakes is as long as 10 years to its put in a suitable place to breed for a long time, put in a suitable place to breed be not superintended in the process, do not check, let its develop. It is OK to never also had seen a trade such by national indulge, what its backside reflection goes out is from 4 trillion later, the country must find next a place with a draught to undertake new round upgrade transform, and Internet banking industry will be The Next One.
Internet banking industry originates folk, its are civilian finance constitutionally. alleged, take at civilian, use at civilian. Let Internet finance be masses service better, just be the real significance that Internet finance exists.
