证券时报记者 杨丽花

The securities times reporter talking Yang li-hua with

　　在庞大的互联网用户群的诱惑下，深陷红海的金融企业都渴望攀上电商。交通银行(601328,股吧)在淘宝开店、9家险企入驻淘宝保险频道、马云和马明哲在网上放贷、基金公司对在淘宝开店更是望眼欲穿……金融产品电商化的甜头就在眼前，在网络金融的大道上，有小心翼翼的试探，也有摩拳擦掌的激情。

In the vast Internet user group of temptation,In the red sea financial enterprises are eager to ascend electric business.Bank of communications(601328,guba)Open a shop in taobao/Nine risk enterprises in taobao insurance channel/Mr Ma and Mr Ma on the net lending/Fund companies to set up shop in taobao is dream...Financial products electric business change effort is in sight,In the network financial avenue,A careful test,Also have muscled passion.

用户群体庞大 The user group huge

　　网络金融悄然膨胀 The network financial quietly expansion

　　工业和信息化部电信管理局数据统计显示，截至今年6月底，我国网民数量达到5.38亿人。依托庞大的用户群体，金融与电商的联姻一开始就很阔绰：

Ministry of industry and information administration of telecom data statistics show,By the end of June this year,The number of users reached 538 million.Rely on the huge user community,Finance and electric business alliances start very rich:

　　阿里巴巴公布的数据显示，其2010年起自营小贷业务，目前已累计投放280亿元，为超过13万家小微企业、个人创业者提供融资服务，其中今年上半年小额贷款业务投放贷款130亿元，合计发放170万笔。

Alibaba figures showed,Since 2010 the self-management small credit business,At present already accumulated on the 28 billion yuan,For more than 13 to thousands of small micro enterprise/Individual entrepreneurs to provide financing service,Among them in the first half of this year small loan business on the loans 13 billion yuan,Total issue 1.7 million pen.

　　中国平安(601318,股吧)旗下的P2P借贷平台公司陆金所成立于2011年9月，注册资金4亿元人民币，截至2012年9月10日，陆金所的稳盈-安e贷投资系列交易额已经过亿。

China peace(601318,guba)Its P2P lending platform LiuJin company which was established in September 2011,The registered capital is 400 million yuan RMB,By the end of 2012 on September 10,,LiuJin of steady surplus - Ann e credit investment series turnover has been hundred million.

　　保险业务发展更是顺风顺水：九大保险公司入驻淘宝保险频道，单一家保险公司仅车险电商网上销售年已经达40亿，除了单纯的保险产品外，连投险也在网上大行其道。

Insurance business development is automatics:Nine insurance company in taobao insurance channel,A single insurance companies DianShangWang auto insurance only on sales years has reached 4 billion,In addition to simple of insurance products outside,Even throw risks are also popular online.

　　现在没有人会忽视网络金融的巨大能量。银行、基金等在寻找与电商联姻的突破口，电商也意欲利用自己的客户群体拓展金融业务。

Now no one will ignore financial network of the great energy.The bank/Funds are looking for and electric business the breach of the marriage,Electrical business is also intended to use their customer group expand financial business.

　　银行进驻淘宝 Bank in taobao

　　目前形式大于实质 At present form is greater than the essence

　　今年7月23日，交通银行与阿里巴巴共同宣布推出“交通银行淘宝旗舰店”，这是国内银行业首度登陆淘宝。目前交通银行网店只能购买贵金属，购买其他产品都需要跳转到交通银行官网，并且使用交通银行借记卡购买。

July 23,,Bank of communications and alibaba jointly announced the release"Bank of communications taobao flagship store",This is the first time the domestic banking sector in taobao.At present the traffic bank online purchase only precious metals,To buy other products need to jump to the traffic bank's official website,And use the traffic bank debit card purchase.

　　在刚刚过去的国庆长假期间，交通银行开始推出了“基金营养组合概念”，根据投资者不同的风险偏好，设计了6个不同组合。比如，购买了激进成长(880002)这一产品也就意味着购买了一个包含5只固定配比的基金组合。虽然看起来交通银行在网上销售其他金融产品的道路上又进了一步，但是该产品并非由基金公司为其在淘宝上的旗舰店专门开发，而是把交通银行原来的“智慧选基组合”复制到淘宝上。

In just the past National Day long vacation period,Bank of communications to begin to roll out the"Fund nutrition combination concept",According to the investors different risk preference,Design for six different combination.For example,Buy the radical growth(880002)This product also means that bought a contains 5 only fixed proportion of the fund portfolio.Although it seems that bank of communications on the sale of other financial products on the road again into the step,But the product is not made up of fund company for its on taobao's flagship shop specialized development,But the bank of communications of the original"Wisdom to choose base combination"Copy to the taobao.

　　阿里巴巴集团介绍说，和交通银行在淘宝开设旗舰店的合作意向早在去年5月份就已确定。不过，在真正意义上的金融产品电商化道路上，交通银行走得小心谨慎，除了贵金属业务外，交通银行更多地是利用淘宝平台进行宣传展示。此外，交通银行在淘宝上大力推荐理财经理预约服务，由客户选择交通银行网点的理财经理提供一对一服务，没有实现金融产品销售完全网络化。

Alibaba group said,And bank of communications in taobao opened flagship store cooperation intention in early in May last year has been determined.but,In the true sense of the financial products electric business change on the road,Bank of communications go very carefully,In addition to the precious metal business,Bank of communications more is the use of taobao platform propagandize display.In addition,Bank of communications on taobao strongly recommended finance manager booking service,By the customer choice of bank of communications network financial manager to provide one-on-one service,No realize financial products sales network completely.

　　金融与电商联姻 Finance and electric business alliance

　　诸多问题待解 Many problems for solution

　　通常情况下，一个新兴业态要么小心推进，要么在灰色地带野蛮发展，而网络金融两者兼具。一些网络金融业务进展迅速，但也亟须规范。

usually,A new format or careful propulsion,Either in the gray area savage development,And the network financial both.Some network financial business progress quickly,But it is urgent to regulate.

　　比如中国平安旗下的陆金所，投资者是在网上购买稳盈-安e贷投资系列产品，通过陆金所平台借给相应的贷款人，其本质属于P2P贷款平台，而中国当前的法律对此模式并没有明确的规定。

Such as China peace its LiuJin have,Investors are purchased online stability waxing - Ann e credit investment series products,Through the platform LiuJin lend corresponding lenders,Its essence belongs to P2P loan platform,And China's current legal this pattern and no clear rules.

　　在保险业务方面，虽然网上销售的多数是标准化的保险产品，但是也涉及连投险产品。统计显示，2011投连险逾七成亏损，其中激进型亏损最高达29.21%。就风险来看，该类产品与银行理财产品、基金有诸多相似之处，也应该受到类似的法律约束，都要面对理财账户管理问题、一对一的投顾服务问题等。

In the insurance business,Although the majority of online sales is standardized of insurance products,But also involves even throw risk products.Statistics show that,2011 cast even risk more than seventy percent loss,The radical type loss highest 29.21%.With respect to the risk to see,This kind of products and bank financing products/Fund has many similarities,Also should be similar legal constraint,All want to face financial account management problem/One-to-one throw the service problems, etc.

　　阿里巴巴向金融机构敞开怀抱的同时，又反复强调监管层态度，表示“愿意与各金融机构及监管部门探讨任何能够更好满足客户投资理财需求的业务模式”。也因此，交通银行在淘宝开店，是小心谨慎推进；基金公司在淘宝开店的构想，尚无明晰的路线。

Alibaba to financial institutions with open arms at the same time,And reiterated supervision layer attitude,said"Willing to work with all financial institutions and supervision department to explore any to better meet customer demand in investment and financing business model".so,Bank of communications in taobao set up shop,Is cautious propulsion;Fund company in taobao the idea of open a shop,There is no clear line.

　　不过，电商与金融的联姻似乎已是大势所趋。在今年8月份召开的中国平安中期业绩发布会上，马明哲透露，其正在与马化腾、马云筹建一家公司，尝试开展互联网金融业务。

but,Electric business and financial marriage seems to have is the trend of The Times.In August of this year at the China ping an interim results conference,Mr Ma said,It is working with MaHuaTeng/Mr Ma construction company,Try to carry out Internet financial business.