林洁琛

LinJieChen

　　主持人：

The host:

　　第一财经研究院新金融研究中心主任 柏亮

The first financial institute new financial research center director BaiLiang

　　嘉宾：

guests:

　　北京大学

Beijing university

　　金融数学系主任、博士生导师 吴岚

The financial director of the department of mathematics/WuLan doctoral tutor

　　东方弘道投资管理有限责任公司

Oriental immense investment management co., LTD

　　执行董事 张逸龙

Executive director ZhangYi dragon

　　酷卡无线创始人、CEO

Cool, the founder of the wireless card/CEO

　　大头无线创始人 马腾

The wireless founder marten

　　3W咖啡创始人 许单单

3 w coffee founder xu only

　　“阿里巴巴最近的战略里，首先是平台，第二是数据，第三才是金融。所以阿里已经做了一个很好的典范，指明了一个方向，它把交易的每一个细节都变成数据化。当数据是可控的时候，金融产品可能就会是可控的。”

"Alibaba recently in the strategy,The first is platform,The second is the data,The third is the financial.So ali has done a very good example,Specify a direction,The transaction every detail into digital.When data is controllable time,Financial products may be controlled."

　　主持人：互联网金融的概念也有很多不同，什么是互联网金融，是建立于互联网技术上的金融创新，还是建立在端对端的完全网格状的互联网理念上的金融创新？大家从不同的角度来谈谈行业的特点，理解这个行业的商业机会。从投资的角度，应该如何来看这个行业，它未来发展的趋势如何？

The host:The Internet financial concept also have many differences,What is the Internet financial,Is based on the Internet technology on the financial innovation,Or based on end-to-end fully gridded Internet idea of financial innovation?Everyone from different angles to talk about the characteristics of the industry,Understand the industry business opportunities.From the point of view of the investment,How to see the industry,It is the trend of the development of the future?

　　张逸龙：金融行业就是信息的行业，利用信息的不对称来赚取利润，互联网解决了什么问题？实际解决了信息的扁平化，把所有的信息由原先不对称、由金字塔型转化为信息的扁平化，我认为这个机会是可以去尝试的。

ZhangYi dragon:Financial industry is the information industry,Use of asymmetric information to make a profit,To solve the Internet what's the problem?To solve the actual information of the flat,All the information from the original asymmetric/The pyramid into information flat,I think this opportunity to be able to go to.

　　阿里巴巴最近的战略里，首先是平台，第二是数据，第三才是金融。所以阿里已经做了一个很好的典范，指明了一个方向，它把交易的每一个细节都变成数据化。当数据是可控的时候，金融产品可能就会是可控的。互联网金融商业机会是存在的，互联网把这个商业机会变成模式，我们认为机会大于风险。

Alibaba recently in the strategy,The first is platform,The second is the data,The third is the financial.So ali has done a very good example,Specify a direction,The transaction every detail into digital.When data is controllable time,Financial products may be controlled.The Internet financial business opportunity is there,The Internet business opportunities into mode,We believe that opportunities outweigh the risks.

　　我们可以观察到，金融排斥现象为人人贷网络借贷模式提供了市场空间，银行由于服务低端客户的收益与成本不匹配，同时业务线应变较慢，无法高效应对这批人群风险分散化、多样化的业务特性。互联网企业的进入，在技术上解决了这一难题，去除了中小企业融资信息不对称的障碍，不仅作为工具提升交易效率和降低成本，同时基于互联网大数据与便捷信息流而产生的征信手段的创新，拓宽了金融业服务的目标人群。

We can observe,Financial rejection for all credit network model for lending market space,Because the bank service low-end customers do not match the income and cost,At the same time business line strain is relatively slow,Can't deal with this group of people high risk decentralization/Diversified business characteristics.The Internet enterprise into,In the technology to solve the problem,In addition to the small and medium-sized enterprise financing obstacles of information asymmetry,Not only as a tool to improve transaction efficiency and reduce cost,At the same time, based on the Internet big data and convenient information flow as a result of the inquiry means of innovation,Broaden the finance service target population.

　　同时在中国的个人信用体系还很不完善的今天，个人信用价值仍没有得到充分体现，网络小额贷款主要是以个人信用评价为基础的贷款，它的发展同时有助于提高社会个人信用体系的建设。

At the same time the personal credit system in China is still not perfect today,Personal credit value has not been fully reflected,Network microfinance is mainly personal credit evaluation as the foundation of the loan,Its development at the same time help to improve the personal credit system construction.

　　主持人：酷卡无线做了很多移动工具来为用户提供服务，脱离在线工具，这是一个很新的领域，同时也是一个风险很大的领域，如何从中寻找到它的服务价值和它的商业价值？

The host:Cool card wireless do a lot of the move tool to provides services for users,From online tools,This is a very new fields,At the same time is also a very risky areas,How to find the it service value and its commercial value?

　　马腾：我们做的是信用卡的业务助手。通过这款信用卡业务助手的软件，首先，可以快速查询信用卡账单，是国内第一家完成本地信息的信用卡相关软件。其次，着眼于用户消费这个领域，信用消费占日常消费的比重是越来越大了。随着时间的推移，社会的进步，这个趋势是不可逆转的。

marten:We do is credit card business assistant.Through this kind of credit card business assistant software,First of all,Can quickly inquires the credit card bill,Is the first complete local information of credit card related software.secondly,Focus on the user consumption in this area,Consumer credit accounted for the proportion of daily consumption is more and more big.With the passage of time,The progress of the society,The trend is irreversible.

　　我们一直关注的是手机信用消费，互联网金融创新对于我来讲是移动互联网的金融创新。从脉络上来看，我们一直要关注的问题，是它的服务对象，从最小的一群人变得越来越大众化，让更多的老百姓去接触到金融服务。

We have been on the phone credit consumption,The Internet financial innovation to me speaking is mobile Internet financial innovation.See from the context,We have to pay more attention to the problem,It is the service object,From the smallest a group of people become more and more popular,Let more people to access to financial services.

　　“目前来看，互联网金融中最看好P2P行业，因为这个行业是互联网在金融行业的一个创新。”

"So far,The Internet the most promising financial P2P industry,Because the industry is the Internet in the financial industry innovation."

　　主持人：研究小微金融，吴岚老师如何看待像人人贷这样的互联网金融?

The host:The small micro finance,WuLan teacher how to treat everyone as credit such Internet financial?

　　吴岚：人人贷创业之初，我觉得他们做这个事情特别有意义，可以推动中国个人信用的发展，可以建立个人金融信用数据，这样的商业模式，对于社会有正面价值，可以积累真实可靠的数据。

WuLan:Everyone at the beginning of the credit business,I think they do this thing has a special meaning,It can promote the development of personal credit in China,Can build a personal financial credit data,This business model,A positive value to society,Can accumulate reliable data.

　　今天讨论的应该是小微金融这个概念，这并非是新生事物，但是互联网是创新的，在中国通过互联网来做小微金融是业务的创新和渠道的创新。渠道创新会带来新机会与新风险。未来10年，中国金融多样化和普及化是一种趋势，大企业在现有利益下可能缺乏创新动力(310328,基金吧)。互联网的大量数据和较强时效性之下，如何利用时效性把利益最大化，是未来互联网金融发展需要思考和探索的。

Today's discussion should be small micro financial this concept,This is not a new thing,But the Internet is innovation,In China through the Internet to do small micro finance is business innovation and the innovation of the channel.Channel innovation will bring new opportunities and new risks.The next 10 years,China's financial diversification and universalness is a kind of trend,Large enterprises in the current interests may lack of innovation power(310328,Fund it).The Internet a vast amount of data and strong under timeliness,How to use the benefit maximization aging,Is the future of the Internet financial development needs thinking and exploring.

　　主持人：从互联网角度来看，如何为金融提供新的服务和新的模式？

The host:From the perspective of the Internet,How to provide new financial services and the new model?

　　许单单：从互联网研究来看，纯互联网公司已经成功，O2O模式（Online To Offline，也即将线下商务的机会与互联网结合在一起，让互联网成为线下交易的前台）并不多。互联网可以极大地解决传统行业的信息不对称，它的平台可被快速的扩张，数据可以被快速的存储与快速的分析，新领域用户获取成本低于线下。

Make only:Research from the Internet to see,Pure Internet companies have been successful,O2O mode(Online to offline,Also the offline business opportunities together with the Internet,Let the Internet be offline trading desk)Is not much.The Internet can greatly solve traditional industry of information asymmetry,The platform can be rapid expansion,Data can be fast storage and rapid analysis,New field for the user cost less than offline.