洪偌馨

Hong promised to back

　　2012年，互联网金融风暴强势来袭。

In 2012,,Internet financial storm strong incoming.

　　移动支付替代传统支付、人人贷替代传统存贷款、众筹融资替代传统证券业务……一个未来金融的新格局正随着互联网金融的发展壮大逐渐成型。

Mobile payment instead of traditional payment/All credit instead of traditional loans/Comprehensively expounded the replacement of traditional securities business...A new pattern of future financial is gradually with the development of the Internet financial shape.

　　“可能出现一个既不同于商业银行间接融资，也不同于资本市场直接融资的第三种金融融资模式，称为"互联网金融模式"。”中投公司副总经理谢平在中国金融40人论坛的演讲中如是指出。

"There might be a is different from indirect financing of commercial Banks,Is different from direct financing of the third kind of financial capital market financing mode,Referred to as"The Internet financial mode"."Cic XiePing, deputy general manager in China financial 40 people BBS so pointed out in his speech.

互联网公司的逆袭 Internet companies of the inverse

　　依托云计算、社交网络、搜索引擎等信息科技，第三方支付、人人贷公司，以及阿里小贷、腾讯财付通等众多互联网公司迅速崛起，并在银行、券商等传统金融机构的地盘上“攻城略地”。

Based on cloud computing/Social networks/Search engines, such as information technology,The third party payment/Every loan company,And ali small loans/Tencent wealth FuTong many Internet companies such as rapid rise,And in the bank/On the territory of the brokers and other traditional financial institutions"Capture territory".

　　如今的互联网公司不再只是金融机构的技术支持和辅助工具，它们通过对互联网数据的深度开发撬动了更多的金融业务，并逐渐搭建出一套不同于传统金融机构的业务模式。

Today's Internet companies are no longer the technical support of financial institutions and auxiliary tools,They through the depth development of the Internet data move more financial business,And gradually build a set of different from traditional financial institutions business model.

　　2012年6月底，随着第四批名单的公布，全国共有196家第三方支付企业获得央行颁布的“许可证”，其覆盖的业务范围包括了预付卡发行与受理、银行卡收单、互联网支付、数字电视支付及移动电话支付等。

At the end of June 2012,As the fourth batch of list,The national 196 third-party payment companies promulgated by the central bank"The permit",Covering the scope of business including the prepaid issued and accepted/Bank receipt -/The Internet to pay/Digital television and mobile payment, etc.

　　经过了几年的发展，第三方支付公司早已不再只是单纯地提供网关服务，由支付业务积累下来的信息和数据成为了它们最重要的资源。

After years of development,To provide third party payment company no longer simply gateway service,By the payment of information and data they become the most important resources.

　　如今，第三方支付公司的触角已经延伸到了更多的金融业务领域。今年5月初，支付宝、财付通、快钱三家支付公司正式获批证监会颁发的基金第三方支付牌照。除了第三方支付公司，腾讯、阿里巴巴等互联网“大鳄”也在2012年全面进军金融业。

now,Third party payment company's tentacles has extended to more of financial business areas.Early may this year,Pay treasure/Wealth FuTong/Quick buck three payment companies formally approved third-party licence issued by the China securities regulatory commission of funds.In addition to the third party payment company,tencent/Alibaba, such as the Internet"Big alligator"Also in 2012 into the financial sector in an all-round way.

　　今年8月，阿里金融旗下的信贷产品面向阿里巴巴普通会员全面放开。会员不用提交任何担保、抵押，只凭借企业的信用资质即可，用户24小时随用随借随还。截至12月初，阿里金融累计服务小微企业已经超过20万家。

In August of this year,Ali of financial credit products to alibaba ordinary members fully let go.Members need not submit any guarantee/mortgage,Only by virtue of enterprise credit certificate,Users with in 24 hours with borrow with also.By the end of December,Ali accumulative total financial service has been more than 20 small micro enterprises employing.

　　而腾讯也在9月宣布旗下的第三方支付公司——财付通将打通腾讯的核心业务，其中包括与微信合作拓展O2O市场。

And tencent also announced in September of the third party payment company, wealth FuTong will get through the core business of tencent,Including expanding O2O market in collaboration with micro letter.

商业银行的变革 The reform of commercial Banks

　　面对互联网公司的强势逆袭，商业银行等金融机构当然也不会坐以待毙。为了保住自己在金融领域的传统地位，这些机构大佬也在积极变革。与以前仅把网上银行作为销售渠道不同，银行也开始更加注重互联网金融的特性，包括客户体验、交互性能等。与此同时，银行开始把互联网技术与银行核心业务进行更为深度的整合。

In the face of the Internet companies strong inverse,Commercial Banks and other financial institutions, of course, also won't wait.In order to keep their tradition in the field of financial position,These agencies are also two positive change.And used only to the bank on the net as a different sales channels,The bank also began to pay more attention to the characteristics of Internet banking,Including customer experience/Interactive performance etc..At the same time,Banks began to make the Internet technology and the integration of core business in more depth.

　　7月10日，建设银行(601939,股吧)宣布旗下“善融商务”上线，它包括“企业商城”和“个人商城”两个平台，并带有“商城账户”支付工具。此外，建行还逐步将其他金融服务和非金融服务向平台上加载，以期构成四位一体的平台体系。

On July 10,,China construction bank(601939,Shares!)Announced its"Good financial business"online,It includes"Enterprise mall"and"Personal mall"Two platform,with"Mall account"Payment tool.In addition,Construction bank also gradually to other financial and non-financial services to load on the platform,In order to form four a platform system.

　　招行副行长丁伟曾向本报记者表示，银行做电商的根本目的在于稳定客户、黏合客户和服务客户。在发展电商业务的同时也要保有银行的核心优势，这与传统电商单纯盈利的目的是不同的。

Her deputy governors DingWeiCeng to our reporter said,Bank to do the business of the fundamental purpose of stable customers/Sticking and service to customers.In the development of the business of the business at the same time also want to keep the bank's core advantage,It with the traditional electric business pure profit is different. The purpose of.

　　互联网金融的勃兴离不开移动支付的发展，而商业银行也早已开始在这个领域“跑马圈地”。今年以来，招行、浦发、农行、建行已率先行动，陆续公布了各自在移动支付领域的战略规划和最新产品。例如，建行和银联推出的银联手机支付，农行与银联、中国电信合作的“掌尚钱包”，以及招行与HTC联合推出的搭载有招行“手机钱包”应用的NFC手机。

The development of the Internet financial prosperity cannot leave the mobile payment,And commercial Banks have already started in this field"Horse race enclosure".Since this year,her/Shanghai pudong development/Agriculture bank/CCB has took the lead in action,Have released their own strategic planning in the field of mobile payment and latest products.Such as,Construction bank and the launch of the principal unionpay mobile payment,Agriculture bank and unionpay/China telecom cooperation"Zhang is my wallet",And action travel and HTC jointly launched the launch of her"Mobile phone purse"The application of the NFC cellular phones.