Shenzhen Fan Hua United Investment Group Co., Ltd.

HR Commissioner/Assistant | 200 1-4,000 yuan/month1year undergraduate course

Finance/Banking/Investment/Fund/Securities | Enterprise Nature: Joint-stock enterprise

2. How about Shenzhen Fan Hua Co., Ltd.

Shenzhen fanhuahang co., ltd.

legal representative

Di bin

registered capital

300 million RMB

Date of establishment

20 12-03- 15

3. How about working in finance in Fan Hua?

The first loan was dragged to Fan Hua by the pheasant business. I borrowed 330,000 yuan and received 50,000 yuan of beheading interest. Fan Hua's own salesman made a mistake in deducting the account, and charged me a late fee from 250 yuan to find Fan Hua Company, pushing the salesman to both sides of the company to kick the ball!

Fourth, the industry inventory of e-commerce finance

20 12 five inventory of e-commerce financial industry in China

The year of 20 12 is a year in which financial enterprises develop to the network in an all-round way, and it is also a year in which internet enterprises expand to the financial field. Traditional e-commerce, represented by Alibaba, began to appear on the Internet at the level of capital flow to better serve members and help enterprises expand financing channels; Commercial banks represented by construction behavior are using e-commerce platform as a channel to increase the efficiency of using the Internet to avoid the risk of marginalization. This paper mainly combs the representative commercial and financial markets throughout the year and makes the following five major inventories: e-commerce is involved in finance and financing.

Event 1: Suning Appliance established Suning Small Loan Company and entered the field of supply chain finance.

On February 6, 20 12, 12 Suning Appliance announced that its wholly-owned subsidiary had jointly invested in the establishment of the company with the Electric Appliance Group. The registered capital of Suning Microfinance Company is planned to be RMB 300,000,000.00 Yuan, of which RMB 225,000,000.00 Yuan is contributed by Hong Kong Suning, accounting for 25% of the total registered capital.

Event 2, Kim

2012165438+127 October, JD.COM officially opened its supply chain financial service system to the outside world, and signed a strategic credit line with Bank of China Beijing Branch to provide suppliers with supply chain financial products from five major state-owned banks and several joint-stock banks. This application is another important measure for JD.COM to enter the financial field after the acquisition of online banking.

Event 3, type a

20 12 On August 29th, Ali Credit can apply only by relying on the trading information of the enterprise on Ali platform, and can be used and borrowed 24 hours without any guarantee. In the first half of the year, Alibaba's financial department put in more than 40,000 loans to small and micro enterprises. The rapid development of Ali's financial business is inseparable from the construction of e-commerce ecosystem based on its own logistics, information flow and capital flow platform.

Comments: The development of supply chain financial services by e-commerce enterprises mainly has three meanings: First, it is conducive to accelerating the construction of an open platform for e-commerce; Secondly, promote the integration of supply chain and materials, effectively reduce risks, increase the stickiness to consumers and users of the complete financial services sector of the supply chain, and improve their competitive advantage. Banks collectively do e-commerce financial services is the protagonist.

Event 1: CCB's "good financial business" was launched.

"Shanrong Business" was officially launched. CCB "is a good business starting point, serving customers and providing financial support services.". Shanrongshang provides customers with all-round financial services from payment and settlement, custody, guarantee to financing services; In terms of e-commerce, it provides B2B and B2C customer operation modes, covering the fields of commodity wholesale, commodity retail and house transaction, and provides customers with supporting services such as information release, transaction matching, community service, online financial management and online customer service.

Event 2, Bank of Communications Network City "Jiaobo Fair" tested water e-commerce

The new multi-functional e-commerce platform "Expo", which Bank of Communications has made great efforts to build, has been opened to customers one after another. The Expo is divided into four exhibition halls: enterprise hall, commodity hall, payment hall and financial hall; The enterprise pavilion mainly provides online sales and fund settlement services for enterprises; The commodity museum brings together well-known brands at home and abroad, so that customers can enjoy safe and reliable online shopping services; The collection and payment hall allows citizens to complete various payment services without leaving home; In the financial hall, there are all kinds of investment and wealth management products such as funds, insurance and precious metals.

Event 3: China Merchants Bank builds an e-commerce platform across borders to promote the development of financial e-commerce

20 10 September, China merchants bank credit card online mall-"very e-purchase" was officially launched. Since the launch of the "Extraordinary E-Purchase" credit card website, the sales volume has increased year by year. 20 12' s sales in the first half of the year reached 378 million yuan, up 44.8% year-on-year.

Comments: Facing the trend of disintermediation, the reform of banks is imperative, among which the effective combination and use of the Internet to expand financial e-commerce is a very important development strategy. The outside world examines bank e-commerce with the thinking of traditional e-commerce, and criticizes the shortcomings of bank e-commerce with factors such as warehousing and logistics, but in fact, the purpose of banks doing e-commerce is not the same as that of traditional e-commerce enterprises. For bank e-commerce, whether it is B2C or B2B, it is the development focus to carry more financial services in its overall business, and its main profit model still focuses on credit service providers. Bank e-commerce is not only an additional service channel, but also a re-transformation of its original business model based on the Internet, which is an important attempt and springboard for deepening financial reform in the future. The diversified development of e-banking and the competition for customers are still the focus.

Event 1: With the increasing contribution of online banking and mobile phone revenue, banks started the price war of electronic payment.

Around 20 12 National Day, major banks started the price war of electronic banking. According to the analysis, with the acceleration of interest rate marketization, the way for banks to obtain high returns by high interest rate spreads is getting narrower and narrower. In this case, it is an urgent problem for banks to change their profit model. Therefore, it is for this reason that e-banking is launched to win more customers.

Event 2: CCB continuously issued two new exclusive wealth management products for online banking.

20 12, 1 June, 2008, China Construction Bank issued the 6th and 7th issues of "Gan Yuan-* * * exclusive" online banking wealth management products. The former is expected to have an annualized rate of return of 5.3%, raising a scale of 3 billion yuan, with no lower limit and a term of 165438+. The latter expects an annualized rate of return of 4.9%, with an upper limit of 3 billion yuan and no lower limit, with a term of 59 days.

Event 3: Private banks enter the era of "online banking"

According to the relevant person in charge of CCB's private bank, CCB's private bank is marching into the network. Through the exclusive function of online banking of private banks, customers can apply online to become contracted customers of private banks, enjoy distinguished, private, professional, stable and convenient comprehensive services, and directly submit various wealth management needs to account managers.

Event 4: Banks compete for online banking cakes and online wealth management products.

In order to attract customers to use online banking, many banks will give customers certain discounts when opening online banking. For example, in some areas of ICBC's activities of "opening an account with prizes and trading courteously", online banking and account messengers can participate in the lucky draw once in the current month; As long as corporate customers have online transactions every month, they have the opportunity to win prizes every month. Some banks will waive the e-certificate fee for VIP card users, or give them a 50% discount; Many banks, such as ICBC and CCB, have their own online shopping malls. Customers can shop in the online mall, some can enjoy the unique discount of bank customers, and some can also exchange points for gifts.

Event five, super online banking has become an artifact of sweeping money, and funds are freely circulated among banks.

Personal online banking service based on online banking interconnection (commonly known as "super online banking") realizes zero-cost management of multiple accounts for personal online banking users.

Comments: With the development of Internet and mobile Internet, traditional financial enterprises gradually realize the importance of e-banking, and e-banking has also made great contributions in replacing traditional service channels. Facing the trend of gradual electronicization, firstly, the competition in the field of electronic banking will become more and more fierce in the future, which will be carried out from multiple dimensions such as service type, service quality, service charge and service channel; Secondly, in the field of e-banking, besides charging, marketing, financial innovation and service awareness are the main factors that really win customers, and relying solely on price advantage will not promote the benign development of an industry; Finally, e-banking will gradually move towards the mobile terminal, and mobile financial services developed from mobile banking will become an important channel for the development of financial enterprises, which will not only be closer to customers' lives and increase customers' stickiness, but also accumulate a large amount of data for financial enterprises and provide data support for future precision marketing, customized services and credit business. Selling insurance online is just right. Virtual property insurance has become a new favorite.

Event 1: A number of insurance companies obtained the first batch of online insurance qualifications.

Nine insurance intermediaries, including Beijing Datong Insurance Brokerage Company, Shenzhen Hui Ze Insurance Brokerage Company, Fan Hua Century Insurance Sales Company, Beijing Huayi Insurance Sales Company, Xinyizhan Insurance Sales Company, Aviation Insurance Brokerage Company, Shenzhen Zhong Min Insurance Brokerage Company, Beijing Bao Hui Insurance Brokerage Company and Yang Zijiang Insurance Brokerage Company, obtained the first batch of insurance online sales qualifications approved by the CIRC.

Event 2: China Life joined hands with Kuaiqian to promote online insurance sales.

China Life Insurance and Kuaiqian Company jointly launched the insurance internet marketing strategy cooperation to jointly develop professional and comprehensive electronic payment solutions for insurance products, improve payment efficiency and security, and improve customer consumption experience.

Event 3, Taobao disguised to improve the return freight insurance.

2010165438+10.9, the return freight insurance was officially registered and sold on Taobao, and the unified price was 0.5 yuan. At 20 12, 12, 12, 12,16,5438+0.5 yuan +02,16,5438+06,5438 respectively.

Event 4: "Sanma" joined hands to sell property insurance, and the financial industry was brewing an Internet revolution.

Ping An, Alibaba and Tencent announced the joint establishment of a new company-Zhongan Online. The CIRC said that the new company to be applied for is a property insurance company, and its business scope is limited to property insurance, and other businesses are not within the application scope. This move marks the horizontal combination of Internet industry and traditional industry in China, and it is a new stage of e-commerce development.

Comments: The application of the Internet is very important for the insurance industry. First of all, the most important source of funds for insurance is the insured users, which can bring the greatest convenience to users and gain greater business development space. Secondly, the insurance industry has entered the Internet era, and the insurance demand for virtual wealth will prompt more virtual property insurance. Finally, due to the contractual nature of insurance, the electronic process is relatively easy, which makes the e-commerce platform have inherent advantages in the insurance sales process, and the e-commerce platform will become an important channel for insurance online sales in the future. Crowdfunding and everyone's loan have gradually become bigger. Internet finance calls for legal norms.

Event one, the hypermarket publicly peddles "everyone's loan"

At the end of August, Jaeger-LeCoultre Fortune Company promoted its "Renren Loan" products in a hypermarket in Hongkou District, Shanghai. Affected by the financial crisis, banks have tightened monetary policy, and small and medium-sized enterprises, micro-enterprises and self-employed individuals often have to borrow from the private sector. In this context, the network loans generated by the combination of traditional private lending and network technology are booming. "Everyone's loan" has entered a stage of rapid development in China. Related products have achieved an annualized rate of return of 12%, and the investment threshold is only 50,000 yuan.

Event 2: roll call time tested the China version of crowdfunding.

As of July 20 12, roll call time has been online for one year, and the website * * * has received about 5,500 project proposals, and 3 18 projects have been approved, of which the project success rate is 47%, and 150 projects have successfully achieved their goals, with a total fund of nearly 3 million yuan. The maximum raised amount of a single project is about 339,500 yuan, and the average raised amount of each project is 9,267 yuan, and the average supported amount is 107 yuan.

Event 3, between P2P vagrancy in China and the illegality of backdoor wealth management products.

At the scene of Shanghai Financial Expo, the investors behind some financial products are actually lenders of P2P model. Instead of signing a sales agreement for financial products, they signed a consultation and service agreement with the lending platform, and then signed a loan agreement with the borrower. Intermediary companies have been deeply involved in the transaction process, and no longer simply provide platform services such as credit analysis, so it is really easy to step on the red line of illegal fund-raising.

Event 4, crowdfunding platform: Ouya game console received an investment of 8.6 million US dollars.

A company named Ouya is about to launch a game console of the same name based on Android system. The company completed its release and promotion on Wednesday and received nearly $8.6 million from 63,000 supporters on the crowdfunding platform KickStarter.

Comments: "Renren Loan" is the Chinese translation of P2P(PeertoPeer) loan. Individuals who have money and investment ideas lend money to others who need to borrow money through intermediaries. The rise of renren loan in China first shows that the traditional capital lending channels in China have not played a role, the demand for private lending is strong, a large number of idle funds need to be exported, and the capital demanders cannot obtain financial support through formal channels and need other channels to seek financing; Secondly, the Renren loan model is divorced from legal supervision. If it is not bound by law, it will increase China's financial risks. Once it is combined with formal products such as trusts, it will rapidly expand the scale of China's shadow banking and leave great hidden dangers for the healthy development of China's financial industry. Finally, Renren Loan uses the Internet to derive a variety of new financing forms, which are worth learning from traditional enterprises such as banks, trusts and wealth management companies.