Rewrite the Technological Landscape

On April 14, 2015, a topic was on the hot search for a day.

A teacher in his thirties at Yu Province Experimental Middle School wrote a letter of resignation that sparked frenzied reposting, which became an internet sensation in 2015.

The content of this resignation letter is: the world is so big, I want to see it.

Looking at the news on the Internet, Meng Qian couldn't help but sigh with emotion. It was because of this incident that his girlfriend who might have talked about marriage in that time and space broke up with him. The other party was infected by these words and insisted on chasing freedom and Go to the south of Tibet to cleanse your soul, and you must go to Erhai Lake to understand life.

Meng Qian's rationality told him that his life should be so much work, so he should work overtime tonight.

At the same time, Meng Qian couldn't help wondering again, it's really strange that many well-known times in another time and space have not changed because of this butterfly.

With the development of the incident, there are many people like Meng Qian who stand on the other half of the public opinion. They prefer to live in a world that is not so romantic. They must be responsible for themselves and their families, and they cannot and dare not take it easy. presumptuous.

Human yearning for freedom and responsibility for life had a violent collision with this incident.

The final conclusion is that the root of everything is still money.

A sentimental event that the world is so big that I want to see, fermented and gradually turned into a cry about poverty in the end.

Coincidentally, four days later, on April 18, there were two very important press conferences in Hangzhou, one from Dafeng Group and Alibaba, both of which had a great relationship with money.

In 2014, the China Banking Regulatory Commission approved the application for the establishment of five private Internet banks, including Dafeng Bank of Dafeng Group and MYbank of Alibaba. On April 18, 2015, Dafeng Bank and MYbank officially opened.

The two banks developed conferences at the same time, so they naturally communicated, and it can be seen from the content of the conferences on both sides that there are indeed many similarities.

For example, regarding the access to the personal credit information system, at the beginning of this year, the Huaxia People's Bank allowed 8 institutions to fully access the personal credit information business, including Ali and Dafeng Group.

Ali immediately launched Zhima Credit, and Dafeng Group launched Nanzhu Credit, one named after the hardworking ants, and the other named after the bamboo that represents the gentleman.

With regard to the role of credit points, both sides mentioned functions such as deposit-free car rental, convenient visa, auxiliary authentication on dating websites, and deposit-free renting of houses.

The difference is that Dafeng Bank also realized the docking with the national credit information sharing platform before opening.

For example, the high-speed rail hegemony that will appear in the future, in addition to being unable to take the high-speed rail for a period of time, may also have certain restrictions when using Dafeng Bank products or even Dafeng Group products.

Of course, the specific restrictions should be carefully studied, and basic rights cannot be deprived of moral quality issues. Dafeng Group is not qualified for this, but some corporate services can not be provided, which belongs to our own business.

With credit scores, another important service is credit loans. No collateral is required, and credit-backed loans will be fully opened through these two companies.

But there are also differences between the two banks on this issue. Ali’s online merchant bank obviously pays more attention to small and medium-sized enterprises, which is normal. A bank must give priority to winning corporate customers, especially Ali’s support for e-commerce companies is more logical. It is an e-commerce platform.

Moreover, Internet banks are still weak real-name banks, and core transactions linked to individuals such as mortgages cannot be done.

MYbank has set a goal of serving 10 million enterprises in the next five years.

Dafeng Bank naturally also serves corporate customers, and also serves small and medium-sized enterprises, but at least judging from today's press conference, Dafeng Bank pays attention to the balance between corporate users and individual users.

"Recently everyone has discussed the fact that wallets cannot support dreams, and I have to admit that money is not everything, and without money it is absolutely impossible.

We can see that traditional banks mainly serve large enterprises, and emerging Internet banks begin to serve more small and medium-sized enterprises. We, Dafeng Bank, hope to help more individual users.

Enterprises need capital turnover, and ordinary people also inevitably have a time when they are short of money and need emergency. However, everyone knows that it is getting more and more difficult to borrow money.

Therefore, when we were preparing for the opening of Dafeng Bank, we focused on planning our personal credit loan products.

We will provide each user with a certain amount of credit based on big data, and I can say responsibly that the big data processing capability of our Dafeng Group is definitely the world's leading, we can process more data, introduce More parameters and more complex models are designed to allow more people to qualify for credit loans and a higher credit limit.

But no matter what, the money is exchanged for your reputation. "

Meng Qian just emphasized this, and everyone understands that the science of the credit information system has been very comprehensive recently, and everyone knows that if there are some bad credit information systems, it will affect their future.

There is no need to fail to repay the debt unless it is absolutely necessary, and the credit limit is generally not too high, let alone worthwhile.

As a bank, loans are a key product, and another important product is wealth management products.

Both sides have come up with their own wealth management products. Ali has the upper hand in this matter, because Ali launched Yu’e Bao in 2013, and Dafeng Group lags behind. The reason is that Dafeng Investment wants to build a similar Yu’e Bao. I don’t want to cooperate with other funds, and I spent a lot of time and energy in the middle, and Ali launched a similar product a full year late.

But at today's press conference, the huge advantages of Dafeng Investment's funds were revealed, because they were all their own funds, and when it was Shao Yibo's turn to introduce, he knew the situation of these funds well.

At today's scene, Shao Yibo focused on promoting technology funds, "Technology funds have always been the best-performing field of funds under our Dafeng Investment.

With the help of our Dafeng Investment’s comprehensive analysis capabilities for the technology industry, we have realized a huge information chain resource chain internally. Now we will put these high-quality funds in our Dafeng Bank for everyone to choose.

In addition, a topic that has attracted much attention during this period is the Yunzhilian Pioneering Park. Everyone knows that behind the Yunzhilian Pioneering Park is the Yunzhilian University Fund, and now we have successfully opened a certain percentage of the Yunzhilian University Fund to ordinary investment Or, you can choose to become an investor of Yunzhilianda Fund on our Dafeng Bank, and enjoy the corresponding rate of return. "

Obviously, Dafeng Group is working hard to promote capital to enter the technology industry, regardless of whether it is large capital or retail capital.

Meng Qian finally ran to the stage to make a summary, "The recent surge in A-shares coincided with the outbreak of Internet finance, and let us see an era of universal investment. With the launch of Dafeng Bank, we will focus on creating a series of capital open source We hope that Dafeng Bank can play an important role in this explosion of Internet finance and bring wealth and security to everyone.”

There are some things that Meng Qian can't say clearly. When the A-share market crashes in the second half of the year, P2P thunderstorms, and Internet financial companies run away on a large scale, a terrible financial avalanche is in sight, and a large number of retail investors will suffer heavy losses in the next two years.

It is difficult for Meng Qian to directly talk about these future things. He can only work hard to do his own thing well, provide compliant and legal investment products to the market, and try to let more funds come to safer places. After the tide recedes, let the market see that there are still trustworthy Internet financial companies.

Thanks for the hard work of finding a book!