On August 18, the ants Ant gold service rollout of mobile money platform treasure. This is PayPal in addition to ants take first Gold release new Standalone APP.
Bao and treasures, in addition to the balance shift to the ants gather treasure, new APP has a variety of fund management, to provide users with a-shares and Hong Kong equities, stocks and other financial information.
According to appannie statistics, in the AppStore's ranking, August 18 financial class ranked 8th, China ranked 108; 19th economics ranked 5th, China ranked 77, is a rising trend. Born with a Golden Spoon, there are huge resource advantage, rich Ant jubao trend better than the general business finance APP.
Ant-gold service why will split money from PayPal, an independent APP? I think there are two reasons:
1, from logic, with Tencent would like to heap all businesses are micro-believe it or not, like PayPal take a diverging path.
In the letter "I" in the purse under the Tab bar, there are 20 functions, equivalent of PayPal payments, utilities, movie tickets, O2O and financial functions.
Micro letter has become more and more enormous, on my phone, in addition to photographs, micro application has been the largest in memory, full 3 g.
There is no indication, micro-letters to cut out some of the functions, on the contrary, more Tencent in breaking head wanted to squeeze in. Bloated app beyond Zhang Xiaolong and even Ma's control, but the show was a black hole devouring all desires.
Ant Super APP PayPal although not as micro-gold suit, but still in the TOP5, why do ants follow a streaming user, APP matrix mode?
Ant-gold suit wealth business group President Yuan Leiming's argument is that businesses are concentrated in a single APP makes the APP very heavy, much worse user interference. Product Director Liu Lejun think ants gather treasure, payments and financial markets, it's hard to hit all the points with a product, because there are so many competitors, using a portfolio approach to distributed competition.
Funny thing is, Liu Lejun was product manager for micro, Micro-product manager, large flow of black holes, or triage-type APP matrix is more representative of the future?
2, from the concrete business, Ant gold clothing launch Ant jubao products filter is user, made "firewall" and reduce systemic risk and moral hazard.
Alipay's birth is based on the Department's Internet payment, pay was born around utilities, airline tickets, mobile payment, birth balance treasure until 2013, 2014 development moves treasure.
Treasure if balances are mass products, treasures a certain threshold. Treasures of complex product systems, especially after liquidation functions of doping, it includes targeted financing tools, universal insurance, bonds, and so on. After the liquidation took a personal loan, coupled with guarantees and insurance, ordinary investors and cannot understand the complex relationships.
PayPal using PayPal the most basic population is client-oriented, ability to identify and undertake the risk these people are weak, whether balance treasure or treasure, in addition to commercial guarantees, there are ants gold suits, credit.
Yuan Leiming said Treasury has exceeded 260 billion scale, so far none of the cases payment risk, plus the balance of treasure, both close to 900 billion, to ensure that such funds are not a problem, is very difficult.
If Ant gold clothes using PayPal to get involved in securities trading, bring turbulent users at the same time, also caused a lot of trouble, stocks likely will lose money too much, but the little white users are stock losses blamed on the PayPal reputation--it has great possibilities, increasing divorce rates also can be found in micro-letter.
Similarly, the various stocks, index funds and other riskier products, is unable to drop PayPal client sales, platform hidden reveals costs are too high, Ant-gold service cannot let PayPal take the risk, Ant jubao split screen after the user, leaving the real risk tolerance of investors, reducing the moral hazard of his.
Some think that Ant to get the treasure, it is in response to the Central Bank, born on the new rules on third-party payment, this is not true.
Draft provisions individual comprehensive payment account, where all pay account balance payment should be no more than 200,000 years; personal consumption account, where all pay monthly payment transactions on the accounts of years shall be not more than 100,000 yuan.
Treasure of ants in order to circumvent the account transaction limit?
Third party payment draft released in late July, Ant even the Organization overcome immediately, according to Apple's audit rules, bug-free on line AppStore is almost impossible.
Yuan Leiming revealed that Ant treasure from the Lantern Festival this year has started, internal code name "dumpling", Ant-gold suit all high risk money cut from the payment instrument ideas.
Ants in early July gold had an inkling when the Service announced the new strategy, PayPal has added social features, develop the O2O business, rumors of a stock-trading function and delays on the line, showed up with PayPal to take root social payments and areas such as mobile payments, financing, and payment will be set separately.
Ant treasure will be on existing financial markets what vibration?
1, thoroughly shuffle in the financial market.
In the area of monetary funds balance Po changed the rules in a year. Hung and beat before this Ant-gold suits and takes advantage of the traditional financial institutions, technology, user scale and complimentary strategy.
T+3 industry managed to redeem by ants jubao technical advantages to "T+1", and 1.2% Fund transaction costs have also been canceled before. This will allow online Fund sales compounded by weak profits, shuffle effect more obvious.
Top every day under the net wealth of the Fund before the net, sales in 2014 Fund surged 5.37 times times, total sale of 229.7 billion yuan revenue of 373 million Yuan, a loss of 5.65 million Yuan.
Relying on the net wealth of traffic, daily Fund net sales the largest independent sales organization, became a well-known online Fund supermarkets.
Ant-gold suit dimension attack, net wealth flow advantages, technical advantages, Ant-flow of gold clothing, and users will soon be translated into huge power forward. Balance Po 600 billion yuan a year, treasures from 0 to 260 billion a year, Ant funds sold on the treasure, will also be exponential growth, Ant gold service platform sales total financing amount will easily break a trillion yuan.
2, Ant ju Bao will be the first entry of the Fund, will this inlet flow becomes very important.
Fund are now more than 2000 companies in the domestic market, selling a variety of ways, such as direct Bank sales, because Ant gold take overwhelming advantage in the user, prior to its users than all of them.
Ants will be Fund flow entrance, similar to the control of information portal Baidu. Paul Frank iPad Mini Case
The result will be, good prices be higher search prices are getting higher and higher; relative to previous, more and more investors Fund can contact. Paul Frank iPad Mini Case
Among the new rules is still forming, cards in advance is important. Fund managers, should go to the Ant's headquarters?
3, direct investment in overseas assets of imagination
Based on previous performances, MA dad and Abacus Ant gold suit, never appear in front of little interest at this point, Ant treasure the future of imagination, is the stock trading and investments in overseas markets.
In the Ant on the treasure, has reserved a-shares and Hong Kong stocks and Wall Street entrance, believe that function already debugged, only policy is set, soon to go online.
Mutual recognition of mainland China and Hong Kong Fund entered into force on July 1, Hong Kong's funds through sales agencies and fund companies to enter the mainland market on the Mainland, could soon be in Ant treasure online, Hong Kong is an international financial centre, Hong Kong is behind the global assets of the Fund, therefore amounts to indirect open global investment channel for domestic investors.
Another direct channel, domestic fund companies through the QFII quota investment fund, which is a channel of direct investment of foreign assets by domestic investors, Yuan Leiming admitted will be launched in the third quarter foreign fund products.
Along with the appreciation of the US dollar, devaluation, overseas asset allocation for investors is an important way to spread the risk gets high yield.
Of course, once you have opened Internet channel overseas investment, before the convenience and efficiency of investment and minimal rapid outflow of funds on the traditional system of exchange controls will have a big impact.
Irresistible. Open a high yield and overseas investment channels, massive input from the PayPal user will Ant legions to buy buy buy.
"The author" Super xiansheng, concerned about the Internet and new technologies. Wang Chao micro public accounts: Chao-xiansheng, hear the sound of progress.
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