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The author:(作者)qqpublished in(发表于) 2013/11/21 1:41:56 Micro Edition “balance treasure“ to be on-line in early December，
Micro Edition "balance treasure" to be on-line in early December-micro letters balance treasure, Tencent-IT information Micro Edition "balance treasure" to be on-line in early December
Recently, Tencent, sources close to the situation said Tencent intervention of Internet financial services forms already completed and to be formally launched in early December. Meanwhile, Tencent's financial services primarily within micro-grafting at the mobile device side of the letter.
"Tencent has preliminarily drawn up and includes the nation's largest fund company, Huaxia Fund, as well as scale in front of e, GF and the parent company of four fund companies to cooperate. "According to people familiar with the story, its caifutong in micro-system play a role through monopoly trade, cooperation mode with four fund companies like" balance silver ".
According to an micro-Partner Conference on November 18, said the previously opened to service on the basis of the nine advanced interface, micro also plans new five interfaces, provide a complete solution for location, or upgrade services in e-commerce capabilities, to enliven the micro-payment and transaction services.
Which, according to Beijing, a senior Internet industry analysis, current balance 30% Po has extended to cover PayPal users around, there is room to grow in the future, if the current pattern does not change, "balance treasure" scale ceiling may reach 200 billion to 300 billion yuan, this figure is also the nation's largest Fund, Huaxia fund management company's public offering of business level.
In other words, tianhong Fund at the end of fund companies ranked in the great war, in one fell swoop to the top. And, according to industry analysts, slightly anxious to cooperate with the fund companies during the year, are no more sniper tianhong Fund means.
Tencent's financial model
Over the past half a year, Alibaba, Baidu, to various platforms, networks of infiltration has left domestic financial patterns changed dramatically. Among them, Alibaba's "balance of treasure" scale of 100 billion yuan.
"Whose only rival Tencent and Alibaba, which also have a client sticky, former financial features stronger customer groups have the advantage of the latter, functional extension more space. "Before that, a large financial institution management in Beijing admitted when interviewed.
But this pattern is quietly changing.
According to the person familiar with the story, the next step, including LBS (location based services), clouds, such as access, path is calculated its opening five new interface while the merchant service. Meanwhile, the line of micro-payment function is only a strong wind.
Only from the application experience, these functions will completely cover the current coupon sites, maps, navigation, such as transactional replication can provide to shops and services.
Is based on the company's strategy in the area of electronic commerce form matured, serving the payment and transaction flows during its Internet financial services, also compared Alibaba "balance treasure" showed up late, six months after the final.
"Prior to ending at the end of line, tentatively in early December. "Familiar with the situation said.
By coincidence, the reporter learned that currently China, e, GF and the parent company of four fund companies have designed a new fund products or customized for financial services provided by Tencent.
Type from the Fund, according to people familiar with the situation said, the first cooperative Fund for monetary funds, in cooperation with the "balance of treasure" is similar to directly access the caifutong, caifutong the balance of providing value-added services.
"Caifutong will play in the future of micro-payment and transaction capability monopoly money channel roles, micro offers new or dramatically increase the stickiness of caifutong and activity, increased precipitation amounts. This probably will change compared to PayPal, caifutong market share in payment insufficient and weaknesses such as lack of customer activity. "On November 20, a brokerage analyst in Beijing said.
End of PK
"In accordance with the currently developed by micro-finance development of the Internet, the next step, including stock funds, bond funds and money funds, financial products and banking and insurance products, and other species but at the same time entrusting in the micro-letters on the line. "According to the person familiar with the argument.
From looking at the context, micro-Po on Fund sales business logic and balance similar to revitalize the stock balance through the Monetary Fund, adopted after the diversified financial products online, set up a comprehensive financial services platform.
But details from development, the two sides still differ.
Or for losing the first effect, judge the current competitive landscape had been transformed, unlike Ma's strategy, selection and national champion of Tencent pony leading fund companies, for instance, Huaxia Fund is the nation's largest fund company, e, GF and parent company management also ranked near the top in the industry.
According to analysts, select launch before the end, perhaps at the end of influence taking into account when the collector. "The end" in the financial sector has always been an important node of the official and unofficial considerations, this node's size and performance, among other factors, will dominate the business development of the next calendar year.
Meanwhile, the Po scale has broken the balance of billions of dollars, tianhong fund size in the fast-growing. The first half of 2013, Huaxia fund management ranks of the company to 214.834 billion yuan, harvest, e, South, Bosera, GF management scale of more than billions of dollars. Tianhong fund management scale only 13.647 billion yuan.
Although there is growth in balance treasure, end of tianhong fund size shocks China AMC is not hard to imagine.
Preparation time, and Tencent involved Internet financial causes of late. This preparation behind the Ma can reverse Ma's first advantage, which has never been worth the wait. (Edit Jie Chen)
微信版“余额宝”拟12月初上线 - 微信,余额宝,腾讯 - IT资讯微信版“余额宝”拟12月初上线
日前，据接近腾讯人士透露，腾讯介入互联网金融服务的形态已经搭建完成，并拟在12月初正式上线。同时，腾讯的金融服务将主要嫁接于移动设备端的微信之内。
“腾讯方面已经初步拟定与包括国内最大基金公司华夏基金，以及规模靠前的易方达、广发和汇添富等四家基金公司进行合作。”按照知情人士的说法，腾讯旗下财付通在微信体系内扮演垄断的交易工具角色，与四家基金公司的合作模式类似“余额宝”。
另据一位参加11月18日微信合作伙伴大会的人士透露，在此前向服务号开放的九大高级接口的基础上，微信同时拟新增五个接口，提供完整的地理位置解决方案，或将服务于电子商务功能的升级，用以盘活微信的支付和交易等业务。
而按照北京一位互联网某业内人士的分析，目前余额宝已经覆盖支付宝用户的三成左右，未来仍存增长空间，如果目前的格局不发生变化，“余额宝”的规模上限可能会达到2000亿-3000亿元，这一数字也是目前国内最大的基金管理公司华夏基金的公募业务规模水平。
换句话说，天弘基金可能在年末基金公司排名大战中，一举登顶。而据业内人士分析，微信急于在年内与基金公司合作，不无狙击天弘基金的意思。
腾讯金融模式
在过去的半年时间，从阿里巴巴，到百度，再到各类电商平台，网络巨头的渗入已经使得国内金融形态发生巨变。其中，阿里巴巴的“余额宝”规模达1000亿元。
“能够和阿里巴巴抗衡的只有腾讯，两者同样具备客户粘性，前者金融属性更强；后者客户群体具备优势，功能外延空间更大。”在此之前，北京某大型金融机构管理层人士受访时坦言。
不过这一个格局正在悄然发生变化。
按照上述知情人士的说法，下一步，包括LBS(基于位置的服务)、云端存取、计算到达路径等五大新接口同时向商家服务号开通。与此同时，微信的线下支付功能也已是只欠东风。
仅从技术应用经验来看，上述功能将完全覆盖目前团购网站、地图导航等能够提供给商铺的推广和交易服务。
或许是基于腾讯在电子商务领域的战略形态逐渐成熟，其为支付和交易期间资金流量服务的互联网金融服务，也在相比阿里巴巴“余额宝”迟到半年之后最终露面。
“将在年底收官之前上线，初步拟定12月初。”上述知情人士透露。
巧合的是，本报记者多方了解到，目前华夏、易方达、广发和汇添富等四家基金公司均为设计了新的基金产品，或为腾讯提供的金融服务量身定做。
从基金类型来看，据知情人士透露，首批合作的基金均为货币型基金，合作模式与“余额宝”相似，直接对接财付通，为财付通的余额提供增值服务。
“财付通将在微信未来的支付和交易功能中扮演垄断的资金通道角色，微信提供的新功能或大大增加财付通的用户粘性和活性，增加沉淀资金量。这可能将改变相比支付宝，财付通在支付领域市场份额不足，以及客户活性不足等弱点。”11月20日，北京某券商分析人士指出。
年末大PK
“按照微信目前制定的互联网金融发展脉络，下一步，包括股票型基金、债券型基金和货币型基金，以及保险理财产品和银行理财产品等各类委托理财品种也将同时在微信上线。”按照上述知情人士的说法。
从脉络上来看，微信与余额宝在基金销售业务上逻辑相似，先通过货币基金盘活存量余额，后通过上线多元化理财产品，搭建综合的金融服务平台。
不过从发展的细节来看，双方仍然有所不同。
或出于失去首发效应，对目前竞争格局已经转变的判断，不同于马云的战略，马化腾主导的腾讯选择与国内龙头基金公司合作，譬如华夏基金为国内最大的基金公司，易方达、广发和汇添富等管理规模也在业内排名靠前。
按照分析人士的说法，选择年末之前推出，或许是出于想在年末收官时就出影响力的考虑。“年末”在金融行业一直是官方和非官方考量的一个重要节点，这个节点的规模和业绩等因素，也将主导下一个自然年的业务发展。
与此同时，余额宝的规模已经破千亿元，天弘基金的规模也随之快速增长。此前的2013年上半年，华夏基金公司以2148.34亿元的管理规模位居第一,嘉实、易方达、南方、博时、广发的管理规模也超过千亿元。而天弘基金的管理规模仅136.47亿元。
但按照目前余额宝的增长速度，天弘基金的规模年末冲击华夏基金，并非难以想象。
准备时间良久，或是腾讯介入互联网金融姗姗来迟的原因。而这场准备背后，马化腾能否逆转马云的首发优势，从而也变得更值得期待。（编辑陈洁）
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