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InternetFinancial•Foreword:IbelievethattheInternethaschangedourlife,andtheInternetfinancialwillmakeourlifebetterandbetter.WhatistheInternetfinancial?•InternetfinancialisthecombinationoftraditionalfinancialindustrywiththespiritoftheInternetintheemergingfield.•Broadlyspeaking,withthespiritoftheInternetisreferredtoasInternetbankingfinancialformats.TheclassificationofInternetfinancial•Third-partypayment-----SuchasAlipayandTenpay.•Financingproducts-----SuchasZhejiangAlismallloancompany•Wealthmanagementproducts-----SuchasYuEbaoNoun：Grass-rootseconomicMeanswiththemainstreamandelitecultureorelitetheweaknessofthecorrespondingclassSimplyput,itreferstoalargenumberofpeoplewhohavealowerincomeandlowlevelofconsumption.Whatwillhappenwhenthegrass-rootseconomyintheInternet?•Tooursurprise,theInternetfinancialagaintoverifythelongtailtheory.•Manyindividualsgatheredtogether,willproduceasurprisingpower.•Forexample,onlyinfourmonths,morethan30,000,000peopleareusingtheYuEbao.ThenatureoftheInternetisequalityandopen•ThismeansthateveryonecanaccesstheInternetevengrass-roots.•Recently,thereisapopularwordsonline:Wakemeupeverydayisnotanalarmclock,norisideal,butthe'YuEbao.•Internetfinancialcreatedequalfinancialopportunitiesforgrass-roots.WiththedevelopmentofsmartphonesmobileInternetwillentertheexplosivegrowth•Withsmartphonesincreases,morepeoplewilluseAlipay、MicroMsg、Mobilebankingandsoon.ThiswillfurtherpromotethedevelopmentofInternetfinancial.•Next,Iwanttotellastory:Abowl,filledwithlargepiecesofstone.Somepeopleaskwhetheritisfullof?Foramomentandothersintothesand,butthisbowlisstillnotfull,andothersintothewater.•Ifthebankcomparedtostone,Internetfinancialissandandwater.•ThefollowingwewilltalkabouttheChineseInternetcompany.•SuchasBAT.•BrepresentstheBaidu.•ArepresentstheAlibaba.•TrepresentstheTencent.BAIFAOnOctober28,2013,Baidufinancialcenter--financialplatformislaunched,willworkwithallfinancialinstitutionscustomizationwithhighattractivefinancialproducts.BaiFaisbaidufinancialcenterlaunchedthefirstfinancialplanning,basedonthegoalofhelppeoplegetrich,toreducethefinancialfromthetraditionaltotheInternetusersfinancialmigrationthreshold.Background•Afterthehotbalanceoftreasure,thefinancialindustry,theInternetwillsooncelebratenewforces,baidu“BAIFA,andhasbeenwithtencentmicroforceofletterandrubbingtheirhands.Waitingforthetraditionalfinancialindustryseemstobeanunprecedentedimpact.SubversionbecomethenowadaysandoneofthekeywordsoffinancialismostcloselyrelatedtotheInternet.Manyexpertsinthefieldoffinance,however,representedbybaiduInternetenterprise,theinfluenceonthenatureofthefinancialindustryistheconcept,technologyandinnovationofthechannelsandotheraspects,willpromotethetraditionalfinancialcompaniesupgradeitself,fortheenterpriseitselfandthevastmajorityofinvestorstobringmoreInternetdividends.Baidu'sfinancialcenteristhecomprehensivebaidu,onthebasisofexistingresources,equalcooperationwithlargefinancialinstitutions,reshapetraditionalfinancialproductdesign,packaging,salesandserviceeachlink,toprovideuserswithinnovativefinancialproductsandservices.Detailedintroduction•BaiFaistheworld'slargestChinesesearchenginebaidulaunchedafinancialplan,Youcansimplyregarditasakindofwealthmanagementproducts.BaiFahastheattractivefeaturesoftheproduct.1yuanultra-lowinvestmentthresholdhasthebroadaudience.Rapidredemptioninstantcashtogivemoneythemostperfectliquidity.Themostbrightspotisexpectedannualyieldsashighas8%ashighyieldoftrustproducts.•BaidufinancecenterplatformfirstwiththehuaxiafundlaunchedproductsBaiFa,annualizedyieldupto8%,makingtheInternetfinancialearningshitanewhigh.Advantage•“BaiFabyChinainvestmentguaranteeco.,LTDguaranteesalltheway,theminimuminvestmentthresholdisonly1yuan.After-salessupportrapidredemptive,instantcashwithdrawals,convenientusercapitalflowsin,atthesametime,thehighestannualrateofreturnashighas8%.Characteristic•1,thelowestinvestmentthreshold1yuan.•2,limitedrelease;•3,aftersalessupportredemptive,instantcashwithdrawals;•4,baidu'sfinancialcenterandthehuaxiafundcooperation;•5,bytheChinainvestmentguaranteecompanyguarantee.Meaning•“BaiFaisthecombinationoftheinformationnetworkandfinancialinnovation,willbeconducivetothetraditionalfinancialsectorreformandinnovation,toprovidediversifiedinvestmentfinancingchannelsforthepeople,convenientpeopleinvestment,moreconducivetothefulluseofsocialidlefunds,improvingtheutilizationefficiencyofsocialcapital.•Ifthebankdoesnotchange,wechangethebank.Internetfinancialstrategiclayout•Third-partypayment-----alipay•Smallloancompanies-----zhejiangAliSmallloancompanyandchongqingAliSmallloancompany•Guaranteecompany-----chongqingshangchengGuaranteecompany•Holdingassetsmanagementcompanies-----TianhongFundcompany•Aliwithlargedataanalysistocompletetheloan•Forexample,Alismallmicrolendingdatain2012,total13billionloan,consistsof1.7millionloans,averagedailytocompletetenthousandforloans.•Thisisanytraditionalfinancialinstitutionsarehardtoimagine.YuEbao•SomepeoplesaythatbeforeYuEbaobankislyingtoearnmoney,nowneedtostandtoearnmoney.•BytheendofSeptember,YuEbaoaccounts