China Internet Financing Industry Report, 2014: Industry Shares, Size, Trend, Analysis, and Forecasts to 2014 Report Available at MarketResearchReports.Biz

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China Online Lending Industry Report, 2014

(PRWEB) May 14, 2014

Internet financing refers to the service pattern in which relevant companies carry out cooperation with financial institutions to provide customers with wealth preservation and appreciation through internet technology and platform. With the development of internet technology and significantly-growing number of netizens, internet financial products and platforms are constantly emerging in China since the second half of 2013.

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Leading Chinese e-commerce companies (Alibaba, Suning, Jingdong) and internet companies (Tencent, Baidu, etc.) have launched internet financial products, e.g. Alibaba’s Yu’ebao, Baidu’s Baizhuan, Tencent’s Li Cai Tong have all become the mainstream internet financial products in China.

In China, most of the existing internet financial products are, in essence, monetary funds, like Yu’ebao docked with TianHong Income Box Money Market Fund, and Baizhuan docked with ChinaAMC Cash Income MMF E. Many internet financial products have realized T+0 monetary fund redemption, characterized by low investment threshold (starting at RMB1 in many cases), convenient and efficient purchase and redemption, and high rate of return (generally higher than the bank’s 1-year fixed term deposit), thus attracting a large number of users.

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Introduced on June 13, 2013, Alibaba’s Yu’ebao is currently the biggest internet financial product. As of March 31, 2014, its subscription amount totaled RMB541.3 billion, accounting for 37.13% of monetary fund subscription. Since its inception to March 31, 2014, Yu’ebao has realized cumulative earnings of RMB7.5 billion for its customers, as high as RMb5.7 billion in the first quarter of 2014. Since its inception to the end of 2013, Yu’ebao’s average annualized rate of return had stayed at 4.9%, which climbed to 5.2% since its inception to the end of the first quarter of 2014.

With regard to financial platform, major internet companies and third-party fund sales institutions are stepping up the field layout: Taobao, Hexun, Baidu, Tencent, Netease, Sina and Jingdong have successively launched their financial platforms, mainly divided into the following categories:

E-commerce platform: Taobao and Jingdong mainly provide e-commerce platform for financial institutions, which set up shops at Taobao or Jingdong to sell financial products.

Table of Contents

1. Overview of Internet Finance
1.1 Internet User
1.1.1 Netizen
1.1.2 Mobile Netizen
1.1.3 Online Payment User
1.2 Financial Institution\'s Deposit and Social Financing
1.2.1 Financial Institution\'s Deposit
1.2.2 Social Financing
1.3 Overview of Internet Finance
1.3.1 Definition
1.3.2 Business Model

2. Internet Financial Product Market
2.1 Definition and Classification
2.1.1 Definition
2.1.2 Classification
2.2 Policies and Institutions
2.2.1 Policies
2.2.2 Fund Sales Institutions
2.2.3 Fund Sales & Payment Institutions
2.3 Market Overview and Competition Pattern

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3. Internet Financial Platform Market
3.1 Overview
3.1.1 China Internet Financial Platform
3.1.2 Foreign Internet Financial Platform
3.2 Comprehensive Financial Platform
3.3 Fund Trading Platforms
3.3.1 Fund Development
3.3.2 Fund Sales Model
3.3.3 Platform Profit Model

4. Main Internet Financial Product
4.1 Alibaba’s Yu’ebao
4.1.1 Profile
4.1.2 Profit Model
4.1.3 Subscription Amount
4.1.4 Fund Flow
4.1.5 Earnings
4.2 Tencent’s Li Cai Tong
4.2.1 Profile
4.2.2 Subscription Amount

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The report provides in-depth market analysis, information and insights on social media marketing in retail banking industry:

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Social media presents a valuable opportunity for retail banks. As internet access and smartphone adoption increase, a growing number of internet users are becoming involved with social networking. Companies are changing their business models and product offerings to be able to cater to the ballooning market of social media users. Banks and other financial institutions are engaging customers with social media, which is shaping up as a strong channel to promote new schemes, identify customer needs and receive feedback. Although the use of social media remains risky territory for many banks, some have started to explore opportunities in this channel and have set out many best practices examples that can act as guiding principles for other banks and financial institutions.

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A primary question plaguing the banking industry on the use of social media concerns return on investment (ROI). There are doubts over the credibility of social media as a key component of business models due to a lack of tools to measure quantifiable results. The potential benefits are more of qualitative in nature. Despite initial skepticism by retail banks, social media is expected to emerge as a complimentary channel, rather than replacing existing channels such as television and newspapers. Financial services companies use various channels to market products and services, and consumer opinion is now measured as an aggregation of experiences across these channels. Over the next five years, banks are expected to focus more on synergies that can be generated by social media and other key channels, rather than calculating ROI in the social landscape.

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China Online Lending Industry Report, 2014

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With the continuous expansion of scale, China’s small and medium-sized enterprises are seeing rapid growth in capital requirements, but often shut out by large commercial banks on the grounds of unsound financial system, lack of pledged assets, etc.. Thus, a variety of private lending models have emerged, and online lending industry following the development of internet technology came into being.

Since the establishment of the first domestic peer-to-peer (P2P) unsecured online petty-sum lending platform – PaiPaiDAI in Shanghai in August 2007, China has experienced swelling online lending platform and market size. Based on statistical data, the number of online lending platforms grew from 50 in 2011 to 800 or so in 2013, accompanied by transaction size of about RMB100 billion in 2013.

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However, some problems are also interlaced with the dramatic development. It is estimated that 71 platforms declared bankruptcy in 2013, including 54 in the fourth quarter alone. The industry characterizes “no threshold, no standard, no regulation” behind the prosperity, resulting in mess and chaos.

The steady progression of online lending industry in the future will depend on the introduction of relevant laws and regulations. There are no laws and regulations aiming specially at online lending in China as of March 2014.

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