Introduction to the list
As the most important worldwide technology wave of this era, the Internet is changing all walks of life that we are familiar with with an inestimable speed and energy. As an enterprise, refusal or acceptance, active or passive, to some extent determines the fate of the future. At the same time, at the policy level, before and after the Third Plenary Session of the 18th CPC Central Committee, various expectations about deepening reform and policy innovation have been brewing another level of reform. The financial industry, as the king of all industries, is undoubtedly not only the backbone of commercial reform, but also the industry most affected by the reform itself.
On November 28, 2013, Shenzhen Finance Expo, Fast Company Chinese Edition and 21st Century Media jointly launched China's top ten financial innovation cases at the China Innovation Finance Forum of the 7th Shenzhen (International) Financial Expo, providing guidance and trend suggestions for the industry and the pan-financial field.
Yu 'e Bao
Alipay (China) Network Technology Co., LTD., Tianhong Fund
Combining the currency pool of electronic payment with that of wealth management is a bold practice of Alibaba Group in 2013. The cooperation between Tianhong Fund and Alipay has created a new model. It can not only improve the yield of Alipay users' fund balances, but also bring new business growth points for fund companies. After the launch of this project, it can be seen from the continuous emergence of similar followers inside and outside the industry that this is a significant imaginative innovation combining Internet thinking and policy breakthrough.
Internet finance payment security alliance
China UnionPay
At present, the payment industry is undergoing profound changes. The innovative payment mode represented by the Internet not only brings payment convenience to consumers, but also puts forward higher requirements for payment security. The Internet Finance Payment Security Alliance jointly initiated by China UnionPay and various institutions was established on October 17, 2013. The establishment of the payment security alliance conforms to the rapid development of innovative payment and the needs of cross-border cooperation, marking a new stage of industrial risk joint prevention, and the formation of a secure Internet financial payment ecosystem.
51 Credit Card Housekeeper
Hangzhou Enniu Network Technology Co., LTD
From an information management software, to information collection and processing tools. The combination of user and banking needs is an interesting practice of technology affecting finance. 51 Credit Card Manager not only solves the problem of constantly requiring user input in most financial management software with the help of email, but also summarizes the information in electronic statements and makes suggestions. There is an infinite wealth of data hidden in a small credit card bill. From an email, you can figure out what kind of car a customer drives, whether they have a pet, whether they're a heavy Starbucks user, etc. This will be an important entry point in the era of financial big data, which reflects the future color of mobile finance and has great development value.
Pleasant loan
Creditease Huimin Investment Management (Beijing) Co. LTD
With the help of a peer-to-peer advisory service platform, Yunyundai has opened up a new way for salarymen and ordinary income groups to borrow money that is different from the traditional bank mortgage guarantee. It also makes borrowers without collateral experience the convenience and efficiency of credit borrowing, and makes more people realize the value of personal credit. At the same time, through the transparent network interactive platform, individual borrowers post loan requests on Pleasant Loan, and after passing the credit evaluation, they get the financial support from the lender to change their lives and realize the value of credit. The individual lender gains both economic benefits and spiritual rewards.
Wanlitong
Shenzhen Ping An Financial Technology Consulting Co., LTD
Wanli universal one account integration of customer life and work in the application of financial services including savings, credit, credit card, securities, insurance, consumption. This not only enhances the loyalty and activity of Ping An Group's original customers, but also is of great value to the cooperative merchants. It not only attracts a large number of customers and points, improves the brand influence of merchants, but also enhances the stickiness and loyalty of members. At the same time, Wanlitong can also provide merchants with points data reports to help understand consumers. This case is a classic application in the era of financial mixed operation. The idea is bold and ingenious, and it has great enlightenment on how to understand the practical needs of customers.
Wechat bank
From Tencent, Shanghai Pudong Development Bank
In the era of mobile payment, bank card as a traditional payment tool is in a precarious position. In response to this situation, SPD Bank made a bold attempt to integrate with the popular social networking tool wechat to develop a new banking service experience. For example, SPD wechat Bank combines wechat interaction with reservation for withdrawal, making mobile phone a "mobile entrance"; Share financial status to wechat moments, and share the path of wealth appreciation with friends; In addition, it can realize real-time inter-bank transfer by remotely sharing QR codes or sound waves on the wechat platform. These design details greatly improve the customer's sense and experience of mobile banking.
Credit finance and insurance
One Datong Enterprise Services Co. LTD
Xinrongbao is a one-stop solution for L/C transactions launched by OneDatong. It covers three modules: certification, package loan and letter of credit buyout. Verify L/C terms and conditions through an expert team of One Datong to ensure transaction security. In international trade, letter of credit accounts for a large proportion of payment, because of financial pressure and certification risk, small and medium-sized enterprises are often unable to resolve, even dare not accept large orders sent to the door. Through expert group certification, Xinrongbao saves small and medium-sized enterprises from tedious certification work and eliminates the risk of non-payment due to inconsistent letter of credit; Packaged loans solve the problem of small and medium-sized enterprises without deposit stock, so that they easily trade; The letter of credit buyout alleviates the capital pressure of enterprises and solves the capital problem of small and medium-sized enterprises.
Angel pool
Tianjin Shengbang Investment Co. LTD
Angel Hui is the first platform in China to release crowdfunding rules for angel investors. Use Internet thinking to solve the pain points of angel investors and entrepreneurs. Give full play to the advantages of the Internet, which is efficient and transparent, and realize the rapid connection between entrepreneurs and angel investors.
Mutual fund for small and micro businesses
Minsheng Bank
Mutual assistance and cooperation fund for small and micro enterprises refers to a mutual assistance and cooperation organization composed of individual industrial and commercial enterprises, small and micro enterprises or actual controllers that meet the conditions for bank credit. Compared with the traditional advantages of coinsurance: Coinsurance loan is a relatively fast development of a form of loan over the years, but for small and micro enterprises great risk. The Mutual Guarantee Fund for small and micro enterprises of Minsheng Bank greatly reduces the risks of small and micro enterprises, and anyone who meets the basic loan conditions can join, which can completely solve the financing difficulties of small enterprises.
Zhongan Insurance
Alibaba Network LTD., Tencent LTD., Ping An Insurance (Group) Company of China LTD., Ctrip
Zhongan Insurance is the first Internet insurance company in China. From the perspective of resource structure, business composition and a series of operating models to be carried out in the future, it fully reflects the driving force brought by innovation. Zhongan Insurance does not simply sell existing insurance products through the Internet, but provides a series of overall solutions for Internet operators and participants through product innovation. Zhongan Insurance is the first innovative Internet insurance company consciously based on data.
