While the Internet tide is sweeping the world, Internet finance has been standing on the cusp of the storm in recent years. A few years ago, it was very popular, and it was once a sweet treat. Various platforms and apps such as online lending, P2P , crowdfunding, etc. were launched, and there were surging waves ; but now, the industry is full of all kinds of negative news. The scenery is gone, and the cold winter is really coming.
This is actually a microcosm, and the problem has always existed.
Internet finance is a domestic name, and its corresponding name abroad is fintech , that is, "financial technology". It is not difficult to find that the latter is a little higher, and this domestic thing is a bit blunt no matter how you look at it.
In fact, there is a problem with this. While the Internet is impacting traditional finance, it ignores many valuable things behind it. Playing with money, who wouldn't; this meat is so fat that everyone wants to touch it. The most prominent point is that risks are not fully recognized, and the most important thing in the financial industry is risk control. This exposure is too large. Just a simple combination of the Internet and money will involve more than N funds into the tide, smashing the defense line of financial security.
Two or three years ago, there was a buddy who was doing fundraising. At that time, the stock market was booming, and their days were very moist. Once we chatted, I said that this thing is too low and immoral, it will not last long. Later, everyone saw that all kinds of running, closing down, jumping off the building; the tide receded, who was swimming naked?
The regulatory level has long recognized the problem. Capital is idling in the financial system, and social investment is deviating from the real to the virtual. The deep-seated problems are not addressed here. Now, things may be slowly getting better, and there is only one way out. Three feet of freezing, not a day's cold; spring may not be too far, but it will take some time.
From another perspective, Internet finance solves many pain points of traditional finance, and undoubtedly promotes the development of the entire financial industry. The products and services of many banks are no longer comparable to those of a few years ago. At the same time, some valuable companies took advantage of the wind to fly to the cloud, and even formed industry unicorns, such as Wacai, 51 Credit Card, etc. The glitz has faded, the industry has become rational, and it will continue to develop steadily.
So, it is not to deny Internet + . On the contrary, the Internet or emerging technologies will inevitably continue to promote industrial upgrading and social development and progress.
There is nothing new in the market, that is, companies can provide customers with valuable products and services that can meet the needs or potential needs of users. In terms of Internet thinking, it is to solve some "pain points". Yes, do you hurt, I have medicine, this is the operation.
The industry will recover first, we will wait and see.