《互联网金融英语》PPT课件.ppt

InternetFinancial,Foreword:IbelievethattheInternethaschangedourlife,andtheInternetfinancialwillmakeourlifebetterandbetter.,WhatistheInternetfinancial?,InternetfinancialisthecombinationoftraditionalfinancialindustrywiththespiritoftheInternetintheemergingfield.Broadlyspeaking,withthespiritoftheInternetisreferredtoasInternetbankingfinancialformats.,TheclassificationofInternetfinancial,Third-partypayment-SuchasAlipayandTenpay.Financingproducts-SuchasZhejiangAlismallloancompanyWealthmanagementproducts-SuchasYuEbao,Noun：Grass-rootseconomic,MeanswiththemainstreamandelitecultureorelitetheweaknessofthecorrespondingclassSimplyput,itreferstoalargenumberofpeoplewhohavealowerincomeandlowlevelofconsumption.Whatwillhappenwhenthegrass-rootseconomyintheInternet?,Tooursurprise,theInternetfinancialagaintoverifythelongtailtheory.Manyindividualsgatheredtogether,willproduceasurprisingpower.Forexample,onlyinfourmonths,morethan30,000,000peopleareusingtheYuEbao.,ThenatureoftheInternetisequalityandopen,ThismeansthateveryonecanaccesstheInternetevengrass-roots.Recently,thereisapopularwordsonline:Wakemeupeverydayisnotanalarmclock,norisideal,buttheYuEbao.Internetfinancialcreatedequalfinancialopportunitiesforgrass-roots.,WiththedevelopmentofsmartphonesmobileInternetwillentertheexplosivegrowth,Withsmartphonesincreases,morepeoplewilluseAlipay、MicroMsg、Mobilebankingandsoon.ThiswillfurtherpromotethedevelopmentofInternetfinancial.,Next,Iwanttotellastory:Abowl,filledwithlargepiecesofstone.Somepeopleaskwhetheritisfullof?Foramomentandothersintothesand,butthisbowlisstillnotfull,andothersintothewater.Ifthebankcomparedtostone,Internetfinancialissandandwater.,ThefollowingwewilltalkabouttheChineseInternetcompany.SuchasBAT.BrepresentstheBaidu.ArepresentstheAlibaba.TrepresentstheTencent.,BAIFA,OnOctober28,2013,Baidufinancialcenter-financialplatformislaunched,willworkwithallfinancialinstitutionscustomizationwithhighattractivefinancialproducts.BaiFaisbaidufinancialcenterlaunchedthefirstfinancialplanning,basedonthegoalofhelppeoplegetrich,toreducethefinancialfromthetraditionaltotheInternetusersfinancialmigrationthreshold.,Background,Afterthehotbalanceoftreasure,thefinancialindustry,theInternetwillsooncelebratenewforces,baidu“BAIFA,andhasbeenwithtencentmicroforceofletterandrubbingtheirhands.Waitingforthetraditionalfinancialindustryseemstobeanunprecedentedimpact.SubversionbecomethenowadaysandoneofthekeywordsoffinancialismostcloselyrelatedtotheInternet.Manyexpertsinthefieldoffinance,however,representedbybaiduInternetenterprise,theinfluenceonthenatureofthefinancialindustryistheconcept,technologyandinnovationofthechannelsandotheraspects,willpromotethetraditionalfinancialcompaniesupgradeitself,fortheenterpriseitselfandthevastmajorityofinvestorstobringmoreInternetdividends.,Baidusfinancialcenteristhecomprehensivebaidu,onthebasisofexistingresources,equalcooperationwithlargefinancialinstitutions,reshapetraditionalfinancialproductdesign,packaging,salesandserviceeachlink,toprovideuserswithinnovativefinancialproductsandservices.,Detailedintroduction,BaiFaistheworldslargestChinesesearchenginebaidulaunchedafinancialplan,Youcansimplyregarditasakindofwealthmanagementproducts.BaiFahastheattractivefeaturesoftheproduct.1yuanultra-lowinvestmentthresholdhasthebroadaudience.Rapidredemptioninstantcashtogivemoneythemostperfectliquidity.Themostbrightspotisexpectedannualyieldsashighas8%ashighyieldoftrustproducts.BaidufinancecenterplatformfirstwiththehuaxiafundlaunchedproductsBaiFa,annualizedyieldupto8%,makingtheInternetfinancialearningshitanewhigh.,Advantage,“BaiFabyChinainvestmentguaranteeco.,LTDguaranteesalltheway,theminimuminvestmentthresholdisonly1yuan.After-salessupportrapidredemptive,instantcashwithdrawals,convenientusercapitalflowsin,atthesametime,thehighestannualrateofreturnashighas8%.,Characteristic,1,thelowestinvestmentthreshold1yuan.2,limitedrelease;3,aftersalessupportredemptive,instantcashwithdrawals;4,baidusfinancialcenterandthehuaxiafundcooperation;5,bytheChinainvestmentguaranteecompanyguarantee.,Meaning,“BaiFaisthecombinationoftheinformationnetworkandfinancialinnovation,willbeconducivetothetraditionalfinancialsectorreformandinnovation,toprovidediversifiedinvestmentfinancingchannelsforthepeople,convenientpeopleinvestment,moreconducivetothefulluseofsocialidlefunds,improvingtheutilizationefficiencyofsocialcapital.,Ifthebankdoesnotchange,wechangethebank.,Internetfinancialstrategiclayout,Third-partypayment-alipaySmallloancompanies-zhejiangAliSmallloancompanyandchongqingAliSmallloancompanyGuaranteecompany-chongqingshangchengGuaranteecompanyHoldingassetsmanagementcompanies-TianhongFundcompany,AliwithlargedataanalysistocompletetheloanForexample,Alismallmicrolendingdatain2012,total13billionloan,consistsof1.7millionloans,averagedailytocompletetenthousandforloans.Thisisanytraditionalfinancialinstitutionsarehardtoimagine.,YuEbao,SomepeoplesaythatbeforeYuEbaobankislyingtoearnmoney,nowneedtostandtoearnmoney.BytheendofSeptember,YuEbaoaccountsmorethan16million,andcumulativepurchaseofmorethan130billion.,Taobaofundsflagshipstoreopening,October31,taobaopermissionbytheSFC,theInternetisthefirsttoprovideservicesforfundsalesinstitutions,tocarryoutthebusinessofthird-partye-commerceplatform.,Alibabaagainnextplaywhatpattern?Layoutfinancial,Pendingapprovalstep:clothchildfundWorkingonstep:deeppenetrationfinanceTriggerspeculationstep:doBanksTimestepinadvance:bigfinancialposition,Thedeclarationofali,Alibabausebigdatatomanagementrisk,fromthispointofview,ignoreassetsize,alibabaisbetterthannotbankLowalifinancialcoretheswimmerwillfocusontheInternet,smallandpersonalconsumptionthreeconcepts.Whenwemarrycelesticafundisfirstfallinloveagain.P2Pmodelisverygood,ifyoucanfindthepath,forInternetfinancialpointofafire,MaHuateng,EnglishnamePony,Cantonese,graduatedfromthecomputerdepartmentofShenzhenUniversity.Chineseentrepreneurs,oneoftherepresentativefigures,GuangdongShenzhenTencentIncchairmanoftheboardandchiefexecutiveofficer.OvertheyearsthelistofHurunandForbesChinarichlist,in2013to62000000000yuanintheHurunReportthird,62200000000yuantoForbesChinarichlistrankedfifth.,MaHuatengisverytabootoburntheway.Hethinks,slowlygropingtograduallyeffect,cancontrolthecost;andifspendingtoomuchintheshorttermcannotsee6theresults,therewillbepressureonthecapitalmarket,willbebadaccount.Thelongrun,thelogicisthesame.MaHuatenginsiststodoeasytoseetheeffectofthings,inenterprisedevelopmenthopeisstable,long-termandhealthygrowth,notnecessarilyattoohigh,slowly.,WegobackandhavealookTencentsmission-toimprovethequalityoflifethroughtheInternetservice.Itisalsoexplainedindetail:thesentenceproductsandserviceslikewaterandelectricityeverfountintopeopleslives,tobringconvenienceandpleasureforpeople.Insimpletermsis:whatcanletyoucool,Ido.DerivedfromthismissionTencentproducts,includingsocialnetworks,onlinegame,contentandelectric.,Sincethefirstquarterof2012,duetothecompletionoftheYiXunafterholdingsinvested500000000yuantopromote,Tencente-commerceaccountedfortheproportionofincomejumpedfrom8%to2013secondquarterof15%,butthebusinessprofitrateisverylow.In2012,Tencentstransactioncostsbyupto4200000000,accountingfor94.7%ofthetotalincomeofthebusiness.Thatistosayelectricbusinesseachearned1dollars,Tencentwillpay5ofthecostof9.Internetandvalue-addedservicecostsaccountedforonly33.1%ofitsincome.Whichismoreimportant,theponyelderbrotherknew.Therefore,donotbecomeTencentelectricbusinessfocusonInternetfinancialreasons.,Thankyou!,Recently,accordingtothereport,TencentwilllaunchedasimilarYuEbaoproduct,cooperatewithChinaAssetManagementcompany、EFundManagementcompany、GuangfaFundcompanyandChinaUniversalAssetManagementcompany.WhyisInternetcompaniesarechoosingmoneyfundstoentertheInternetfinancial?,Simplesumup,therearethefollowingpoints.First:Theprincipalsecurity.MonetaryFundinvestsprimarilyinlessthanoneyearremainingmaturityofgovernmentbonds,centralbankbills,bonds,repo,interbankdepositsandotherlow-risksecuritiesvarieties.Amongvariouskindsoffundsmonetaryfundrisklowest,Thesecond:StrongliquidityMonetaryfundissimilartotheconvenienceofdemanddeposits,liquidityanddemanddeposits.Moneytoaccounttimeisshort,hasrealizedtheT+0,Thethird:HighyieldMostofthemoneyfundsgenerallyhasthenationaldebtinvestmentincomelevel.Theannualnetincomeofupto2%to3%,muchhigherthanbankdepositincomelevel.Inadditiontolowinvestmentcosts,dividendstax-free,etc,Internetfinancialtrendinthefuture,ThefutureoftheInternetfinancialisnotlimitedtomonetaryfundandwillinvolvehigherriskfunds.Evenwillbeinvolvedinthecredit,consumption,Banks.Brokerageetcmanyfields.,Theeffectsofnetworkfinance,One,theInternetischangingthetraditionalbusinessmodelModerninformationtechnologybasedontheInternettechnologyistheacquisition,transmission,processing,storage,callandcomprehensiveapplicationofresearchanddevelopmentofinformationtechnology,themaincharacteristicsofdigitization,networking,intelligentandstronginformationprocessingcapability.,Century80sinformationtechnologyafterthethreereforms,thefirstPCmachinetechnologyinnovationnineteeneighties,solvethedataprocessingproblem;thesecodisthenineteennintiesinnovationofInternettechnology,solvestheproblemofinformationexchangeandimprovethecommunicationefficiency;thethirdtimewasintwenty-firstCentury,thecloudcomputingtechnologyinnovation,changeprocessingwaysofstoringdata,realizethesharingofresources.,Two,theInternetwillhaveasubversiveinfluenceontraditionalfinancialinstitutionsTheInternethaspenetratedintothefinancialfinancialsubareas,includingbanking,insurance,fundsandsecuritiescompany,themostrapiddevelopmentofonlinepayment,mobilephonebankandP2Pfinancingmode.Mobilephonebankingfunctionsfromthemobilephonepaymentextensiontotheloanandotherbasicfinancialservices,whiletheP2Pfinancingmodel