See Baidu through Q4 earnings: the deeper financial future-Baidu post Q4 earnings, Baidu-IT information
On February 26, Baidu and 2015 2015 was released fourth-quarter earnings reports earnings for the year. Earnings data shows that Baidu's revenue in the fourth quarter for 18.699 billion yuan, an increase of 33.1%, mobile revenue share continues to rise, reaching 56% in 2015, Baidu's total revenue for the year to 66.382 billion yuan, an increase of 35.3%, results beat Wall Street expectations.
Notable data, in the fourth quarter, Baidu in the significant progress on the new layout. In the field of Internet financial, Baidu officially formed the financial services group (FSG), and has launched a hundred per Bank and an insurance end of December 2015, Baidu purse reached 53 million active accounts, an increase of 189%.
By results of heat, Baidu in US stocks on Thursday rose 10.7%. Li said the earnings reports, Baidu will become the beneficiaries of China's consumption upgrade and will become the driving force of China's consumption upgrading, promote growth, mobile ecosystem long-term healthy development. As a member of the BAT, Baidu business layout of extensive and intensive, non-BAT outside the small Giants by comparison. Connecting people and services, O2O business financial operations, people and capital, as well as many artificial intelligence, high-tech technologies such as unmanned reserve is the central pillar of support Baidu's future vision. From the long-term investment value, Baidu is still worth watch.
Baidu points of financial business
Major structure is December 14, 2015, Baidu Baidu financial business set up financial services group (FSG), one of the pillars. In force as a key direction, Baidu finance business in as little as two or three months has achieved certain results.
Especially the BAT this year red envelopes in the great war. As the core of financial services payment center and Baidu Baidu bright eye wallet record. Baidu fought for the purse, so Chinese new year red envelopes from world war two into three kingdoms, realize their strategic goals.
So-called strategic goals reflected in the links, on the coordinated operation. Mobile phone Baidu, Baidu Baidu wallet linkage map, Baidu Baidu's core ecological products such as rice, by the entrance of these flows, links users five scenes, clothing, shelter, along with their technical superiority and even stars, cultural marketing, played an actual transformation effect.
Repeated talk about synergy, linkage and transformation, this is because red hair thing, not just throw money makes people happy, but to realize their values--red activate consumption, big water, cultivate users, shaping the payment entry. From actual results, Baidu's wallet led his O2O significant business growth. According to statistics, national movie box-office breaking 600 million on new year's day the day, joint Baidu Baidu wallet glutinous rice to preempt more than 40% movies online platform shares, for the national box office share of contributions 28.3%, ranked first all viewing platforms. According to the just released Baidu reported in late December 2015, Baidu purse reached 53 million active accounts, an increase of 189%.
In a Word, to Baidu Baidu purse for the core financial business has become in the near future, Baidu's biggest attraction. Because it represents the direction of Baidu's main force for some time to come.
Fully paid, Baidu it's time
Red war is just a skirmish on the line, but also to wallet service, real logic and is paid vs. BAT red war had just ended the smoke does not, Apple Pay as well as the MWC on millet, LG, Samsung and other mobile phone manufacturers with NFC again, and pay was demonstrated by the fact that market remains promising.
Today mobile payments market is everyone wants to take a bite out of it. Not just the BAT, including traditional and emerging powers such as China UnionPay and millet are also of General Motors. Apple Pay seems to be Apple's payment channels, really just a puppet of the Union. Apple has been here "piped", just a payment portal, the real capital flows or in the Cup. In the past two days, xiaomi to Czech Furui pass 600 million yuan from the Corporation to buy paid licences, enter the Internet field. Exclamations in the industry, millet Pay may have been on the road.
Each put paid to occupy, the purpose of which is to seize the O2O times online and offline marketing, so that when the wallet and the money disappeared, staking, and the largest piece of cake. And micro-purse with Alipay, Baidu now pay the same for the time being.
Because Baidu's advantage to two points. Is the linkage of the inner logic of the full line of products. Second, O2O business cooperation. Today Baidu O2O at all costs, appears to affect stock prices and earnings over time, robust fourth quarter and full year revenues increase and GMV growth of bright eyes, that Baidu service trading platform in the fast-advancing, its finance and cover emboldened is also growing. Baidu actually has vision. Since O2O behind a large payment requirements, does not have its own payment channel is tantamount to giving away market. And with its own payment channel, you can do so by O2O business-led growth of the center of their payment.
Just like this, Baidu, Baidu Baidu is your cell phone map, Baidu glutinous rice product with O2O, because these products have scenarios, consumer, combined with preferential stimulation, it is easy to flow more, driving Baidu wallet real consumption, Baidu's wallet as a payment Center shaping is more reliable.
This pattern is to form comprehensive coverage of portal, content integration platform for trading products and services, formed cover discovery, connection with a payment service transaction seamless closed-loop, and with core partners and third party service providers, continued expansion of ecological services.
Pay is not only to pay, there's more
Do pay just to pay, of course, there is more behind the true ambitions of the pay. Payment of subsequent business associated with this imaginative. Pay credit is behind the scenes, behind the credit is credit, financial services, and insurance business. These random items, than the payments clearing market, two orders of magnitude larger.
From this point of view, we can easily understand why micro purse mechanically, forced cash withdrawal fees. Micro wallet large amounts of capital are still deposited in a commercial bank, is not as a fund to be used by the app free, the app could pass the money profit. PayPal balance of its treasures as the Monetary Fund's status is not affected by this provision of the Bank restrictions. Micro letter through interception withdrawals capital expansion micro-precipitation pool, financing through the financial considerations.
So, some days before discussions on micro purse should become an independent application popular in circles. Because now the micro-wallet product architecture is mostly easy to pay, it is difficult to finance. Once as an independent application, similar to the ECR is likely to be a large area of use. Recently ECR friends frequently push advertising, if you withdraw charges associated with this matter, one can find out that micro-payment scenarios, and settling funds to liquidate the deep anxiety.
Of course, back on Baidu himself to talk, we can in the wallet found on Baidu Baidu financial ambitions of Empire. Baidu by O2O and co-ordination across all product lines, constructing the scene to pay, the financial business has been raised.
November 2015, Baidu Union set up hundreds of Bank of China CITIC Bank, soon combined Allianz and high water jar capital initiated the establishment of an hundred insurance, fast layout of two major banking and insurance financial line of business. Along with the development of related financial products, Baidu finance this level can also make more revenue-raising measures. Compared to pure Internet financial company, Baidu has O2O business and payment services backed by this Internet financial ecology construction of complete scenes and closed-loop, were more likely to play a financial role of chemical reactions for solid business.
Written in the last:
General,, Baidu Q4 earnings has two big highlights, a is in mobile end of transformation continued in-depth, Baidu glutinous rice, and Baidu map, and phone Baidu, and Baidu wallet, products is became support Baidu future of pillar, and by Baidu glutinous rice, and Baidu outside sold, and Baidu wallet, and Baidu direct, and Brazil O2O Servicers Peixe Urbano common constitute of electric business of trading total (GMV) compared increases up 397%; II is Baidu financial business is for Baidu future of shares provides more big of imagine space, Hundred per Bank and an insurance is expected to play a greater role. In addition to the following two highlights, Baidu in the unmanned, artificial intelligence and other black investment in science and technology also takes effect, new set up autonomous Division puts forward "business for three years, five years producing" business objectives. Although these two big black hard work of science and technology in the short term, but this is precisely the direction of Baidu's most attractive development in the future.
For Wall Street investors, the Q4 results exceeded its expectations, net profit rose 663% is still Baidu in a worthy long-term bullish stock business. Up to now, the bright earnings makes Baidu shares surged more than 10%, closed at $ 176. This reflects investor of Baidu services transformation consistent promising.
Author: Wu Junyu; micro-signals: 852405518, micro letter public, "deep".
透过Q4财报看百度：转型更加深入，金融成为未来 - 百度发布Q4财报,百度 - IT资讯
2月26日，百度公布了2015年第四季度财报以及2015年全年财报。财报数据显示，第四季度百度营收为186.99亿元人民币，同比增长33.1%，其中移动营收占比持续上升，达到56%；2015年全年百度总营收为663.82亿元人民币，同比增长35.3%，业绩超出华尔街预期。
值得注意的一个数据是，第四季度，百度在新业务布局上进展显著。在互联网金融领域，百度正式组建金融服务事业群组（FSG），并先后发起设立百信银行和百安保险；2015年12月末，百度钱包活跃账户数达到5300万，同比增长189%。
乘财报之热，百度周四在美股盘后大涨10.7%。李彦宏针对此次财报表示，百度将成为中国消费升级的受益者，而且会成为中国消费升级的驱动力，推动服务业增长，促进移动生态长期健康发展。作为BAT中的一员，百度业务布局之广泛和深入，非BAT外的小巨头们所能比拟。连接人与服务的O2O业务、人与资本的金融业务以及诸多人工智能、无人驾驶等高科技技术储备是支撑百度未来想象力的核心支柱。从长期的投资价值来看，百度依旧值得看好。
百度金融业务成为最大看点
百度金融业务是2015年12月14日百度重大架构调整组建金融服务事业群组（FSG）之后的一大支柱。在作为重点发力方向之后，百度金融业务在短短两三个月的时间内便取得了一定的成绩。
尤其是今年春节的BAT红包大战中。作为支付中心和百度金融业务核心的百度钱包战绩亮眼。百度钱包的参战，让春节红包大战从双雄变成了三国杀，真正实现了自己的战略目标。
所谓的战略目标体现在勾连场景、协同作战上。百度钱包联动了手机百度、百度地图、百度糯米等百度生态的核心产品，通过这些流量入口，勾连用户吃穿住用行的五大场景，再加上自家的技术优势乃至明星、文化营销，发挥了实际的转化效果。
反复谈协同、联动和转化，这是因为，发红包这件事情，不只是砸钱让全国人民开心，而是要实现自己应有的价值——通过红包激活消费，做大流水，培育用户，塑造支付入口。从实际成绩来看，百度钱包带动了自家O2O业务的显著增长。根据数据统计，大年初一当天全国电影总票房破6亿，百度钱包联合百度糯米抢占4成以上在线电影平台份额，为全国票房贡献28.3%的份额，位列所有观影平台第一。根据刚刚发布的百度财报显示，2015年12月末，百度钱包活跃账户数达到5300万，同比增长189%。
一句话来说，以百度钱包为核心的百度金融业务在近期内已经成为了百度最大的看点。因为这代表了百度未来一段时间的主要发力方向。
全身心做支付，百度正当其时
线上红包大战只是前哨战，也是为了钱包服务，真正的逻辑还是在于支付大战。BAT的红包大战刚刚谢幕硝烟未散，Apple Pay以及这次MWC上小米、LG、三星等各个手机厂商再次发力NFC，其实就是证明了支付这个市场市场依旧大有前景。
如今的移动支付市场是所有人都想咬一口的肥肉。不仅仅是BAT，包括银联乃至小米等传统和新兴势力也虎视眈眈。Apple Pay看似是苹果的支付渠道，实际上只是银联的傀儡。苹果在这里已经被“管道化”了，仅仅只是一个支付的入口，真正的资金流向还是在银联。而在近两日，小米科技以6亿元从捷付睿通股份有限公司手中收购支付牌照，进军互联网支付领域。业内惊呼，小米Pay可能已在路上。
各家投入支付这场占据，其目的正是抢占O2O时代的线上、线下市场，以便在钱包和纸币消失之时，能够在跑马圈地，分得最大的的一块蛋糕。与支付宝和微信钱包一样，百度现在做支付同样正当其时。
因为百度如今的优势在于两点。一是全线产品的内在逻辑的联动。二是O2O业务的配合。百度今天不惜代价做O2O，看似在一段时间内影响了股价和财报，第四季度和全年营收的稳健提升和GMV增长的亮眼表现，说明百度向服务交易平台转型在快速深入推进，其金融及支付的底气也在不断增强。百度实则具备远见。因为O2O的背后有着大量的支付需求，没有自己的支付渠道，等于是将市场拱手送人。而有了自己的支付渠道，则可以通过O2O的业务带动自家支付中心的成长。
也正是如此，百度正在让手机百度、百度地图、百度糯米这些产品全面发力O2O，因为这些产品有场景、有消费，再配合优惠刺激，很容易将流水做到更大，带动百度钱包实际消费，将百度钱包这一支付中心塑造的更加可靠。
这种格局正在形成全面覆盖入口、内容和服务交易产品的一体化平台，形成涵盖发现、连接与支付的服务交易无缝闭环，并通过与核心合作伙伴及第三方服务提供商合作，持续壮大服务的生态。
支付不仅是支付，背后还有更多
做支付当然不仅仅只是为了支付，支付的背后还有更多真正的野心。支付与此相关的后续业务极具想象力。支付场景背后是征信，征信背后是信贷业务，理财业务，甚至保险业务。这些随便一项，都比支付清算的市场，大两个数量级。
从这个角度来看，我们也很容易能够理解为什么微信钱包会冒天下之大不韪，强推提现收费。因为微信钱包中的大量资金沉淀其实依旧是存放在商业银行，未作为理财资金可由微信自由使用，微信也无法通过这部分资金获取收益。而支付宝旗下的余额宝则因为货币基金的身份不受央行此项规定的限制。微信此举也有通过截留提现资金扩充微信沉淀资金池，转入理财通这样的金融理财场景的考量。
所以，前些天有关微信钱包该不该成为独立应用的讨论在圈子里流行开来。因为现在的微信钱包产品架构还是主要易于支付，难于理财。一旦成为独立应用，类似于理财通很可能会得到大面积的使用。最近理财通的朋友圈广告频频推送，如果将提现收费这件事联系在一起来看，其中可以透视出微信对于支付场景拓展以及沉淀资金不变现的深层焦虑。
当然，回到百度的身上来谈，我们可以在百度钱包的身上发现百度金融帝国的野心。百度通过O2O和全线产品的配合，构建了支付场景，背后的金融业务已然呼之欲出。
2015年11月，百度联合中信银行成立了百信银行，随后不久又联合安联保险、高瓴资本发起设立百安保险，迅速布局银行和保险两大金融业务线。随着相关金融产品的不断开发，百度在金融理财这个层面上也可以做出更多提高营收的措施。相比纯互联网金融企业而言，百度拥有O2O业务和支付业务作为后盾，这种互联网金融生态的构建具备完整的场景和闭环，也更容易发挥金融对于实体业务的化学反应式的作用。
写在最后：
总体而言，百度Q4财报有两大亮点，一是在移动端的转型持续深入，百度糯米、百度地图、手机百度、百度钱包等产品正在成为支撑百度未来的顶梁柱，且由百度糯米、百度外卖、百度钱包、百度直达号和巴西O2O服务商Peixe Urbano共同构成的电商化交易总额（GMV）同比增幅达397%；二是百度金融业务正在为百度未来的股价提供更大的想象空间，百信银行和百安保险预计会发挥更大的作用。除了这两大亮点之后，百度在无人驾驶、人工智能等黑科技领域的投入也在逐渐呈现效果，全新成立的自动驾驶事业部明确提出“三年商用、五年量产”的业务目标。虽然在短期内这两大黑科技很难见效，但这恰恰是百度未来最具魅力的发展方向所在。
对于华尔街投资者而言，Q4业绩超出其预期，净利同比增663%的百度依旧是一家值得长期看好的中概股企业。截止目前，亮眼的财报使得百度股价盘后大涨超过10%，收盘报176美元。这也反映了投资者对百度服务交易转型前景的一致看好。
作者：吴俊宇；微信号：852405518，微信公众号“深几度”。