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　　“目前金融产品电子商务销售明显滞后于其他行业，主要原因在于监管层对风险控制方面的考虑，但是随着网络支付模式基本成熟，金融产品电子商务市场正在逐渐开启，这将是一个数十万亿元规模的市场。”

"At present financial products e-commerce sales obviously lags behind other industries,The main reason is that the supervisor to risk control considerations,But as the network payment mode basic mature,Financial products e-commerce market is gradually open,This will be a hundreds of thousands of RMB one hundred million the size of the market."

　　⊙记者 赵明超 ○编辑 于勇

⊙ reporter ZhaoMingChao ○ editor in yong

　　淘宝网“双11”大战刚过，“双12”大战又来。在昨天的电商大战中，理财产品首次吸引了银行的参与，而销售业绩也非常亮眼，其中部分理财型保险产品销售额就超过千万元。随着金融企业参与电商大战的步步深入，以及越来越多金融企业的参与，金融产品电商化的大幕正在慢慢开启。

taobao"Double 11"War just after,"Double 12"War and to.In yesterday's electric business war,Financial products to attract the participation of the bank for the first time,And sales performance is very bright eye,Some of the financial model insurance product sales more than ten million yuan.As financial enterprises to participate in the electric business war at every step further,And more and more financial enterprise participation,Financial products electric business turn of unfolds is slowly open.

　　在昨天的促销活动中，淘宝理财频道也改版新装上市，共有5家金融机构入驻其中。包括两家银行和三家保险公司。银行分别是交通银行(601328,股吧)和光大银行(601818,股吧)；保险公司分别是太平洋保险(601601,股吧)、 泰康人寿和国华人寿。

In yesterday's promotional activities,Taobao financing channel is new revision listed,There are five in the financial institutions.Including two Banks and three insurance companies.The bank is the bank of communications, respectively(601328,guba)And everbright bank(601818,guba);The insurance company were Pacific insurance(601601,guba)/ Taikang life HeGuoHua life.

　　和此前淘宝网仅销售保险产品相比，此次最引人注目的是增加多款理财产品。包括国华人寿发行的三款理财型保险产品和光大银行推出的“定存宝”。其中国华人寿推出理财型保险产品，主要是三款万能险产品，其中一款产品预期年化收益率为4.05%，门槛是每份1万元；光大银行推出的“定存宝”，主要针对投资者闲置资金管理，其期限从3个月到5年不等，购买的最低投资金额仅50元，到期后可以按照约定存款日当日的同档期整存整取利率计算，和人民银行存款利率相比，一年期以下的产品利率有所提高，其中三个月利率为2.86%，比人民银行存款利率高0.26%，一年期的高出0.3%，投资者可以通过支付宝对自己的闲置资金进行委托，享受到短期理财的高收益。截至昨晚7点，该产品已经销售了超过5万笔。

And previous taobao only sell insurance products compare,The most noticeable is the increase of financial products.Including guohua life issued three paragraphs financing type of insurance products and everbright bank launched"Time deposit treasure".The guohua life out financing type of insurance products,Mainly three paragraphs universal insurance products,One product expected annualised rate of return is 4.05%,The threshold is 10000 yuan each;Everbright bank launched"Time deposit treasure",Aimed at investors idle fund management,The period from 3 months to 5 years,The minimum purchase amount investment only fifty yuan,After the end of the day, the deposit can be in accordance with the contract with the time scheduling withdrawal rate calculation,And the people's bank deposit interest rate compared with,The following year the product rate increase,Three of the monthly interest rate is 2.86%,The people's bank deposit interest rate than 0.26% higher,The year was 0.3% higher,Investors can through the pay treasure to own idle fund to entrust,Enjoy the short-term financing of high yield.By 7 o 'clock last night,The product has sold more than 50000 pen.

　　据了解，早在7月下旬，淘宝理财频道就已经低调上线，当时推出泰康人寿、太平洋(601099,股吧)保险、交通银行三家旗舰店，同其他淘宝商品一样，在这三个旗舰店内，可以购买交通银行贵金属、泰康人寿投连险、太平洋人寿分红险等产品。当时淘宝方面曾表示“交通银行一小步，网络金融机构发展的一大步，其中暗示着一种崭新金融业务模式的出现”。

It is understood,As early as in late July,Taobao financing channel has a low profile online,Taikang life was introduced/Pacific(601099,guba)insurance/Bank of communications three flagship store,As with other taobao products,In these three flagship store,Can buy of bank of communications in precious metals/Taikang life insurance for even/Pacific life insurance of share out bonus and other products.At that time in taobao has said"Bank of communications one small step,The development of network financial institutions a big step,Which implies a new financial business mode emerges".

　　但是，此后发展或许并没有预期中那样顺利。而在10月份，光大银行淘宝官方旗舰店已经进驻，但是运营了一段时间后又突然“人去店空”，淘宝网对此也没有任何解释，不过，此次再度入驻淘宝，个中缘由不言自明。

but,Then development may not go so smoothly as expected.But in October,Everbright bank official flagship store in taobao has,But operation for some time and then suddenly"To store empty",Taobao are without any explanation,but,This once more in taobao,The reason speak for themselves.

　　据了解，此次“双12”促销活动，淘宝已经联系了多家金融公司，此次选择了一些收益率较高、结构简单、操作流程快捷方便的产品，而这些因素也是掣肘金融产品电子商务发展的核心因素。

It is understood,the"Double 12"Promotional activities,Taobao has contacted several financial company,The choice of some of the higher rate of return/Structure is simple/Operation convenient products,And these factors are also impede the development of e-commerce in financial products core factors.

　　业内人士表示，此次金融理财产品网络化销售，或许预示着开启金融产品电商化的序幕。“目前金融产品电子商务销售明显滞后于其他行业，主要原因在于监管层对风险控制方面的考虑，但是随着汇付天下和支付宝等网络支付模式基本成熟，金融产品电子商务市场正在逐渐开启，如果基金、银行理财、信托产品等都可以在网络上购买，这将是一个数十万亿元规模的市场”。

The personage inside course of study says,The financial services products sales network,Perhaps indicate open financial products electric business change the prelude."At present financial products e-commerce sales obviously lags behind other industries,The main reason is that the supervisor to risk control considerations,But as the remittance world and pay treasure and other network payment mode basic mature,Financial products e-commerce market is gradually open,If the fund/Bank financing/Trust products can buy on the Internet,This will be a hundreds of thousands of RMB one hundred million the size of the market".

　　面对如此巨大的市场，国内已有多家机构开始金融电商化业务。中国平安(601318,股吧)就倾力打造了网络投融资平台陆金所，平安集团董事长马明哲、阿里巴巴集团董事局主席马云、腾讯董事会主席马化腾，这“三马”合作试水互联网金融，除了传统意义上的“拓宽销售渠道”外，还包括开拓针对“虚拟财产”的新险种。

In the face of such a huge market,China has many agencies began to financial electric business change business.China peace(601318,guba)Just lean strength to make the investment and financing platform for the network LiuJin,Peace group chairman Mr Ma/Alibaba group chairman of the board ma/Tencent MaHuaTeng chairman of board of directors,this"SanMa"Cooperation test the waters Internet financial,In addition to the traditional sense"Broaden sales channels"outside,Also includes development for"Virtual property"New insurance.

　　而沪上一家基金公司市场部负责人亦表示，他们公司为了筹划到淘宝网上开店销售基金已经准备了半年了，目前基本上“万事俱备，只欠东风”，“只要政策允许，随时可以开张。”

And Shanghai a fund company Marketing Department person in charge also said,Their company in order to plan to set up shop in taobao sales fund has been prepared for half a year,At present basically"All systems go,Only owe the east wind","As long as the policy allows,Can open."