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2013年被誉为“互联网金融”元年,BAT(百度、阿里和腾讯)等巨头纷纷重拳出击,推出了属于自己的理财产品,切走了理财市场的一部分蛋糕。互联网企业“搅动”金融业,对于推进金融改革、倒逼银行让利,正面作用很大。但是,就这一年来互联网巨头的表现来看,这个市场尚且处于原始的“圈地”阶段,运作不规范、侥幸心理较重,行业处于野蛮生长的态势十分明显。让互联网理财早日告别野蛮生长,走上循序渐进的正途,已成当务之急。“互联网思维”下的角色缺失互联网公司每次发布新的理财产品,主打的亮点都是出奇的一致——保本保收益,而且是高达7%到8%的收益率水准。这种典型的违规行为,在互联网巨头闯进金融领域之初,在其看来几乎是理所应当的,直到各界一致声讨的时候,这些企业方才“领悟”。不管这些互联网巨头是假装糊涂还是真不知道,
In 2013, it was honored as the first year of “Internet finance”. Giants such as BAT (Baidu, Alibaba and Tencent) fought hard and launched their own wealth management products, cutting away part of the financial market. Internet companies’ “stirring” of the financial industry has a positive role in advancing financial reforms and forcing banks to make profits. However, judging from the performance of the Internet giants in the past year, this market is still in the original “enclosure” stage. The operation is not standardized and the chances are heavy, and the industry is in a state of brutal growth. It is now imperative for Internet finance to bid farewell to barbaric growth and embark on a path of gradual progress. The role of “internet thinking” is missing Each time the Internet company releases new wealth management products, the main highlights are surprisingly consistent - guaranteeing the protection of profits, and is as high as 7% to 8% rate of return. This type of irregular behavior was considered by the Internet giant when it first entered the financial sector. It was not until the consensus of all circles that these companies were able to “understand”. Regardless of whether these Internet giants are pretending to be confused or not sure,