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The author:(作者)归海一刀published in(发表于) 2014/5/27 8:47:52 Operators involved in network finance expert： but baby，
Operators involved in network finance expert: baby-calls, kids playing, but Bao, Tian Yi Bao, and packages, balance Po-IT news Operators involved in network finance expert: play, but babies
"Guided reading" performance pressure, three carriers involved in the network banking banking baby melee before you upgrade.
According to the voice of economic authorities wide financial review reported, and now all kinds of financial products like mushrooms abound. In Internet banking and traditional banking outside of these two camps, telecoms operators and from Rafaela, joined the program in dispute between financial products.
On May 20, China Unicom has launched the "call treasure", the user part can be expensive to purchase when stored frozen, referred to the cooperation fund for financing business, income used to pay telephone charges. Prior to this, China Telecom was launched in March has been a month of value-added banking services "added Yi Bao". After the 4G licensing, move the release "and" payment brand also is media that is the important step of moving into banking.
Carriers get their hands on network finance, are to a large extent the result of sluggish business development. This cross-industry development is a genius or a blind experiment? Economy contributing commentators, the voice of economic management College, Beijing University of posts and telecommunications, Professor Kan Kaili views and comments on the matter.
Economic voices: Telecom operators expand their business has made many attempts to try before we are relatively easy to understand. But this time it started doing network of Telecom Finance, let people think scratching their heads. Telecom market is still a seller's market, operators do finance, put his own good business not to do something else, a little art. What kind of criticism sound?
Kan Kai : Telecom operators is currently the operational pressure is very heavy indeed, especially in recent years, micro letters, also called OTT, like Ali's business does to a large extent the impact of traditional telecom services market, especially for voice and SMS. On one hand, micro-information or call mass increased above the letter, on the other, telecom operators revenues in particular profit, have taken a big hit, they were actually being in traditional business areas is a big challenge. In this case, the operator is a little nasty, sick trying everything, sit still, they thought of other ways the Internet and Internet-based companies to compete, as well as to compete with virtual operators, so the traditional operators could be eight Immortals, all its stuff, various areas have to give it a go.
Economic voices: telecom carriers worried, but judging from the Telecom and China Unicom have launched services, they could put away the cake to make up? They are currently looking for a fund company to work together, make their own channel, this type of cooperation is not new, but the operators do not have management experience in banking business, on the strength, experience less than the competition. For telecom operators involved in banking services, and what you think would be the result? They can win? Or to reflect their characteristics to attract customers to join?
Kan Kai : I find it difficult to attract customers to join. Airtime, for example some carriers stored customer to do investment banking, banking earnings to pay the phone bill, consumers will think: why would I want to put the money on your banking? Now because there are so many financial firms, there are many kinds of financial products, such as Alipay, balances the treasure called "the babies", and their banking experience richer, consumers can pick and choose the most suitable for yourself, your most trusted financial company or fund company and choose the most suitable financial products so as to achieve higher returns. Telecom operators ' lack of experience in finance, I find it difficult to compete these "babies".
Economic voices: many people feel that telecom operators to do this kind of art, art still in second, we are most worried about a problem is that telecom operators that may have failed to harm the three carriers own strength or even affect the quality of communications services?
Kan Kai : I don't worry too much, judging from the present situation, both the products and the "baby", could not occupy too much part of the telecom operator's network capacity. Critical is it to put on the human, material and financial resources to get this stuff, and if we fail, not competitive, going slowly began to extremists, shaxue.
Economic voices: next, the operators are supposed to rational to find new development path?
Kan Kai : real strengths of Telecom is a telecommunications network, are absolute experts in relevant technical and operational, so they use the Web to do advertising for all Internet companies in particular broadband service to provide the best service for them. This is what the strengths of the telecom operators, but also their future development directions.
运营商涉足网络理财，专家：玩不过宝宝们 - 话费宝,添益宝,和包,余额宝 - IT资讯运营商涉足网络理财，专家：玩不过宝宝们
【导读】业绩压力大，三大运营商涉足网络理财，理财宝宝混战再升级。
据经济之声《央广财经评论》报道，眼下，各种理财产品像雨后春笋般层出不穷。在互联网理财和传统银行理财这两大阵营之外，电信运营商也从半路杀出，加入了这场趋于白热化的理财产品之争。
5月20日，联通推出了“话费宝”，用户购买合约机时预存的花费会有一部分被冻结，交由合作的基金公司进行理财业务，收益用于支付电话费。在此之前，中国电信在3月份就已经推出了一款月增值理财服务“添益宝”。而在4G牌照发放之后，中移动发布的“和包”支付品牌，也被媒体认为是移动涉足理财的重要一步。
电信运营商染指网络理财，很大程度上是主营业务发展乏力的结果。这种跨行业发展是神来之笔还是盲目尝试？经济之声特约评论员、北京邮电大学经济管理学院教授阚凯力就此事发表观点和评论。
经济之声：电信运营商在拓展业务方面有过很多尝试，之前的尝试我们都比较容易理解。但是这次电信运营商开始做网络理财，就让人觉得摸不着头脑。电信市场依然是卖方市场，运营商做理财，放着自己的好生意不做去做别的，有点不务正业。怎么看待这样一种批评的声音？
阚凯力：电信运营商目前所受到的业务上的压力确实非常大，尤其是最近几年以来，微信、易信还有像阿里的来往等等这种所谓的OTT业务，确实在很大程度上冲击了电信运营商的传统业务市场，尤其是话音和短信。一方面，微信上面发的信息或通话海量增加；另一方面，电信运营商的收入尤其是利润，受到了很大的打击，它们在传统的经营领域确实受到了很大的挑战。在这种情况下，可能运营商就有点急了，有病乱投医，坐不住了，它们想用其他的方法和以互联网为基础的互联网公司竞争，同时还要去和虚拟运营商进行竞争，所以传统运营商可能是八仙过海，各显其能，各种领域都要试一把。
经济之声：电信运营商着急了，但是从电信和联通已经推出的相关服务来看，它们能不能把分走的蛋糕给补上？它们目前是找一家基金公司合作，自己做渠道，这样的合作方式不新奇，但是运营商没有理财业务的管理经验，所以在实力上、经验上要比竞争对手差一些。对于电信运营商涉足理财服务，您觉得会是一个什么样的结果？它们能够赢吗？或者说能体现出自己的特色来吸引客户的加入吗？
阚凯力：我觉得很难吸引客户加入。比如说一些运营商把客户预存的话费去做投资理财，用理财的收益来交话费，消费者就会想：我为什么要把钱放在你这去理财呢？现在因为有很多理财公司，有很多种理财产品，像支付宝、余额宝这些所谓的“宝宝们”，它们的理财经验更丰富，消费者可以挑选最适合自己、自己最信得过的那些理财公司或者基金公司，然后挑选最适合自己的理财产品来取得高收益。电信运营商缺乏金融方面的经验，我觉得很难竞争得过这些“宝宝”们。
经济之声：很多人觉得电信运营商来做这个事有点不务正业，不务正业还在其次，大家最担心的一个问题是，电信运营商这种不务正业有没有可能会损害三大运营商自身的实力，甚至影响到通信服务的质量？
阚凯力：这我倒不太担心，从目前的状况来看，无论是理财产品还是“宝宝”们，不可能占据电信运营商网络容量的太多部分。关键是它要投入人力、物力、财力去搞这个东西，如果搞不成，没有竞争力，到时候恐怕也就慢慢偃旗息鼓，歃血而归了。
经济之声：接下来，运营商应该怎么理性寻找新的发展路径呢？
阚凯力：电信运营商真正的强项是拥有电信网络，是相关技术和运营的绝对专家，所以它们用自己的网络做好广告，为所有的互联网公司尤其是宽带业务提供最好的服务就可以了。这就是电信运营商的强项，也是它们将来的发展方向。
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