Why Lei doing "millet Bank"? -Lei, Remy banks, phone, Internet banking-IT information
On June 13, the Chengdu Hongqi chain company limited notice of disclosure of listed companies was the secret: a new hope group, Sichuan silver m technology limited liability company Chengdu Hongqi jointly initiated the establishment of the "Sichuan hope Bank", Bank category for private banks, developed a registered capital of 3 billion yuan, CBRC, China has now been approved.
Which, Sichuan silver meters technology limited responsibility company (Xia said Silver meters) of corporate representative for Lei, shareholders for millet technology, silver meters intends funded 885 million Yuan Yuan, accounted for unit 29.5%, holding proportion is slightly lower than Liu Yonghao new hope group of 30%, and "30%" is currently private bank single big shareholders holding proportion of ceiling, but, announcement said, Sichuan hope Bank name, and investment total and holding proportion still needed about competent sector approval.
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Guo tianyong, Director of banking Research Center, China Central University of finance and that "he and several other companies working with Lei, is undoubtedly the fancy Internet millet gene, it is possible to create another Internet Bank, banks, after all, the trend is moving in the direction of development of the Internet. ”
The day before, on June 12, millet, Vice President Zhang Jinling publicly revealed that millet equity investment and financing platform will launch in the near future the Internet-"m financing suit", Chief Executive of the former Zhao Minghui, Deputy Director of the market Department of the Shanghai financial Office appointed Mi Chou first equity investment and financing as the main entry point to the Internet, and millet in the future financing needs and with the aid of the ecological chain m raised to achieve.
These two messages, a boon for millet ecological chain.
Millet Internet finance
In May 2015, rice financial has been on the line. Services provided include current treasure, treasure and related financial services such as loans on a regular basis, is a formal financial Web site looks like.
Millet before the financial line, millet has a financial payment and virtual currency. Millet has a virtual currency "meter money" businesses, there are binding bank cards, mobile phone recharge online payment business, as well as credit card business platforms such as diversion. Campus users for millet, millet has also developed Internet + financial products such as payment.
January 2015, official website of millet millet low-key online wallet page, supports binding a credit card, debit card, support charge. Meanwhile, millet also bought Czech furuitong, a third-party payment, holding 65%.
In addition, the millet is also very interested in Internet security. In September 2015, Tiger securities, Internet stock brokerage announced have been millet million series a investment in technology will be the formal access millet's ecosystem.
Open the Bank, set up Internet banking platform, can do business in the financial sector include millet's territory, Lei layout is accelerating the pace of Internet finance.
However, for now, in the field of Internet finance, millet is slow a little. From large Internet enterprise financial plate layout view, Ali has obviously in leading status, Beijing East in chased process in the fast rise, in recently respectively completed b round and a, round financing zhihou, Ant gold clothing and Beijing East financial valuation has respectively up to about 390 billion Yuan Yuan and 46 billion Yuan Yuan, formed has covers levy letter, and supply chain financial, and consumption financial, and financial, and insurance, and Bank, and all raised, zainei of full of Internet financial business system. Two other Giants were started as a business Internet banking, enter counted as in millet at the time? "Ecological chain" can form a complete loop and millet finance system? Lei explosions thought the Internet-driven "millet ecological chain" Empire dreams will be realized?
Eco mode: in addition to the money and the Internet thinking anything else?
From 2014, the millet has taken the company's positioning in "strategy-driven company," Lei have claimed in public, millet for transition from individual breakthroughs to build eco-Empire. Each millet had acquisitions or investments, and millet will be referred to the concept of the ecological chain. Millet was never a mobile technology company. As of May this year, millet ecological chain altogether more than 600 enterprises, voted 55, more than 30 of which are start-ups, has more than 20 companies out of the specific products, valued at $ 100 million, 7 valuation of 1 billion to 2.
Lei in the publication "MIJIA meters", said that in the past two years, every 15 days, there is a new startup add millet ecological chain, which includes the millet Air Purifier chupin Fang Zhimi technology chupin Fang Yunmi, millet Water Purifier Technology 29 zero-based incubating startups.
In the past two years, in addition to phone (millet flat) television, millet (millet boxes), millet, routing three kinds of products, including air purifiers, water purifiers, mobile power, millet bracelet ... ... Are all from the 55 millet chain enterprises, which means that in addition to millet's own three categories of products produced, and ecological chain of 55 companies in the production of millet.
In April 2015, the ecological chain Ninebot millet (naenbo) announced the completion of the global balance Pathfinder Segway (Segway) 100% equity and property acquisitions. This is millet acquisition of global companies for the first time in the ecological chain.
In May 2015, millet or release 199 mechanical keyboards.
In addition, the millet products have invaded every aspect of life, millet router, wristbands, sport cameras, camcorders, blood pressure monitors, plugs, light bulbs, scales, headphones, audio, product across multiple fields, one after another .
In May this year, Lei personally, live released their unmanned aerial vehicles and revealed that millet was likely to launch robot products. Earlier this year, Lei has said publicly that will prepare millet millet research laboratory, research into the VR and robotics. Millet company insiders have revealed that millet VR products will be launched in the second half of this year, robots still in research stage.
Ecological chain investment by millet, millet continuous output values, methodologies and resources, including e-commerce platform, marketing team and brand, and so on, will reach all walks of life.
On in this year May millet no machine released Shi, out has is problem, official explained is battery insufficient, but, this a bug caused has industry people for millet ecological chain mode of questioned: millet so fast to into so more industry, which part involved high-tech of products began reflected millet lack technology development power of short Board, millet tries to through funds advantage quickly in all industry expansion of practices in high-tech industry whether line have pass also is need reflection.
雷军为什么要做“
小米银行”？ - 雷军,
小米银行,
小米手机,互联网金融 - IT资讯
6月13日，上市公司成都红旗连锁股份有限公司的一则公告披露了这一秘密：新希望集团、四川银米科技有限责任公司将与成都红旗共同发起设立“四川希望银行股份有限公司”，银行类别为民营银行，拟定注册资本为人民币30亿元，目前已获中国银监会批复。
其中，四川银米科技有限责任公司（下称银米）的法人代表为雷军，股东为小米科技，银米拟出资8.85亿元人民币，占股29.5%，持股比例略低于刘永好新希望集团的30%，而“30%”是目前民营银行单一大股东持股比例的上限，不过，公告称，四川希望银行名称、投资总额和持股比例仍需有关主管部门审批。
▲图片来自网络
中央财经大学中国银行业研究中心主任郭田勇认为，“刘永好及其余几家川企与雷军合作，无疑是看中小米的互联网基因，有可能打造另一家互联网银行，毕竟银行业的趋势正在朝着互联网方向发展。”
在此前一天的6月12日，小米副总裁张金玲公开透露，小米近期将上线互联网股权投融资平台——“米筹金服”，首席执行官由原上海市金融办市场处副处长赵明辉出任，米筹将首先以互联网股权投融资为主要切入点，将来小米生态链企业的融资需求都可借助米筹来实现。
这两条消息，对于小米生态链来说都算是利好。
小米的互联网金融布局
2015年5月，小米金融已经上线。提供的服务包括活期宝、定期宝和贷款等相关金融服务，已是一个正规金融网站的模样。
小米金融上线之前，小米已经拥有了类金融的支付和虚拟货币业务。小米拥有虚拟货币“米币”业务，也有绑定银行卡、手机充值等在线支付业务，还有办理信用卡等平台导流业务。针对小米的校园用户，小米也开发了分期付等互联网+金融产品。
2015年1月，小米官方网站低调上线小米钱包页面，支持绑定信用卡、储蓄卡，支持充值。同时，小米还收购了一家名为捷付睿通的第三方支付，持股65%。
此外，小米还对互联网证券很感兴趣。2015年9月，互联网美股券商老虎证券宣布，已获得小米科技的亿元A轮投资，将正式接入小米的生态圈。
开银行、搭建互联网金融平台，把金融行业能做的业务囊括进小米的版图，雷军布局互联网金融的步伐正在加快。
不过，目前来看，在互联网金融这个领域，小米的动作还是慢了一些。从大型互联网企业金融板块布局来看，阿里已明显处于领先地位，京东在追赶过程中快速崛起，在最近分别完成B轮和A轮融资之后，蚂蚁金服和京东金融估值已分别高达约3900亿元人民币和460亿元人民币，形成了涵盖征信、供应链金融、消费金融、理财、保险、银行、众筹等在内的完整的互联网金融业务体系。其他两家巨头都是电商起家做互联网金融，小米在这个时候进入算不算乱入？“生态链”和小米金融能否形成完整的自循环体系？雷军的互联网爆款思维驱动"小米生态链”帝国梦能否实现？
生态链模式：除了钱和互联网思维还需要什么？
从2014年以来，小米高层多次将公司定位于“战略驱动型公司”，雷军曾在公开场合宣称，小米欲从单兵突破阶段过渡到搭建生态帝国。每一次小米有收购或是投资动作，小米生态链的概念就会被提及。小米从来不是一家做只做手机的科技公司。截至今年5月，小米生态链一共看了600多家企业，投了55家，其中有30家以上是初创企业，有20多家公司出了具体产品，估值一亿美元的有7家，估值十亿的有2家。
雷军在发布“MIJIA米家”时说，在过去的两年里，每15天就有一家新的创业公司加入小米生态链，这其中包括了小米空气净化器的出品方智米科技、小米净水器的出品方云米科技等29家从零开始孵化的创业公司。
在过去的两年里，除了小米手机（小米平板）、小米电视（小米盒子）、小米路由三类产品，其他包括空气净化器、净水器、移动电源、小米手环……全都是来自这55家小米生态链企业，也就是说除了小米自身出品的三类产品以外，还有55家公司在出品各种小米生态链产品。
2015年4月，小米生态链企业Ninebot(纳恩博)宣布完成对全球平衡车开创者Segway(赛格威)100%股权和财产的收购。这是小米生态链企业中第一次收购全球化公司。
2015年5月，小米或发布199机械键盘。
除此之外，小米的产品早已入侵生活的方方面面，小米路由器、手环、运动相机、摄像机、血压计、插座、灯泡、体重秤、耳机、音响，产品横跨多个领域，层出不穷。
今年5月，雷军亲自上阵，用直播发布了自家的无人机并透露，小米很可能将推出机器人产品。早在今年年初，雷军就曾公开表示，小米将筹建小米探索实验室，研究进军VR和机器人领域。小米公司内部人士曾经透露，小米的VR产品将在今年下半年推出，机器人产品还在研究阶段。
通过小米生态链投资，小米不断输出做产品的价值观、方法论和已有的资源，包括电商平台、营销团队、品牌等等，将触角伸向各行各业。
就在今年5月小米无人机发布时，出了一点问题，官方解释是电池不足，不过，这一bug引起了业内人士对于小米生态链模式的质疑：小米如此快速地进入这么多行业，其中部分涉及高技术的产品开始体现小米缺乏技术研发力量的短板，小米试图通过资金优势迅速在各个行业扩张的做法在高技术行业是否行得通还是需要反思。