From the topic of harmony, you can see the economic hot spots. This year,  Internet + will be the focus of BBS.

In Internet + as against the background of national strategy, almost every industry are the wave with scores, searching for the transformation of the age of the Internet or upgrade, for the financial industry, have already started the transformation, especially the great development of the Internet financial, has been given the open pratt &whitney dream of the financial times. Whether it's a traditional financial giant, a fledgling Internet upstart, or a passive host, or a proactive one, a change is brewing.

Change is happening

On June 10, focused on short-term financing short Internet P2P platform integrating network held a conference, announced the formation of industry after the first bad creditor's rights fund, the size is 100 million RMB, mainly used for the buyback and disposal of assets, overdue to ensure priority of principal and interest of investors. In the conference, short network CEO Wang Kun to disclose a series of Numbers: melting various P2P platform has become the new tuyere nearly two years, only 2014 more than 800, 2014, the total turnover reached 250 billion for the whole year, up 250% from 2013.

P2P has become the most prominent protagonist in the current Internet financial banquet, but other subdivisions do not admit defeat. Balance treasure raised a hot wave of the Internet finance, equity raise let once the VC/PE elite and civilian public investment, third-party payment platform, greatly improving the pay the convenience of...Taking equity-based crowdfunding as an example, with the advent of mass entrepreneurship and innovation, this exotic product has been rapidly blossoming in China. According to public data, by the end of 2014, the total number of equity-based crowdfunding platforms in China has reached 128, with the total financing size exceeding 1 billion.

The traditional financial industry is also embracing the Internet. Take the insurance industry as an example. From 2011 to 2014, the number of companies operating Internet insurance business in China rose from 28 to 90, and the scale premium increased from 3.2 billion RMB to 87 billion RMB, with an average annual growth rate of 200 percent. Some new forms of insurance, such as mutual insurance, have also been accompanied by the Internet crossing regional limits.

Tian Lihui, a professor at the financial development institute of Nankai University, believes that Internet finance has started to promote the development of China's inclusive finance and has a promising future. He told new financial reporters that the low cost of Internet finance, wide audience and easy to continue, can promote the development of inclusive finance. In fact, QR code of third-party payment, the financial management of monetary fund channel, the Liu Jin P2P platform, the commercial credit of JDbaitiao, Alibaba's Yu'ebao, etc., has been to provide for the common people pratt & whitney financial way.The convenience and coverage of Internet finance can form economies of scale and provide personalized services, which can not only meet the financial needs of most people, but also directly narrow the differences between urban and rural areas.He said.

The CEO of lazy cat financial services LTD. , Xu Yangliang what also said in an interview with the new financial journalist, Internet promotion pratt &whitney financial significance lies in two aspects: on the one hand, it meets the needs of individual business or small business: on the other hand, the Internet by providing a variety of products to meet the public financial requirements.

Rely on technology, the Internet financial broke the shackles of traditional financial information at a lower cost, lower investment threshold and more convenient channels and means, has quickly become a new investment hot spots, and even created a Shared economic model.

A lower threshold

On June 2, a group called the equity of WiFi master key raise formally subscribed investment project, the subscription intention, 7.3 billion RMB, super raised nearly 223 times, breaking the record of the raise of the, created the myth. Three years ago, equity crowdfunding was still small, and now the crowdfunding model is gaining official recognition. Zhang Xiaojun, a spokesman for the China securities regulatory commission, said that the pilot scheme for equity-based crowdfunding was initially formed and was performing the necessary procedures.

The new financial reporter observed that, from the current model of the various platforms, basically follow the method of leading and investing.