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