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1、互联网金融的本质（TheessenceofInternetFinance）NowthishotInternetbanking,allthefinancialindustrytotakethepointoftheInternetside,feeltheseeminglyoutdated,butfrommyownunderstandingoftheassetmanagementindustry,thereisnocausalrelationshipbetweenwhatis,theInternetisnotapanac
2、ea,anythingsistheinevitableresultoftwosides,therearealsoinevitableadvantagesbringdisadvantages.Inthefieldofhighcapacitythresholdandhighamountofthreshold,theInternetisactuallyineffective.Becausetheabilitycannotbecopiedinbatches,cannotquantifyoperation,theadvant
3、agesoftheInternetwilllose.Thehighamountoffield,reflectstheunitrevenueandunitcostcanbebalanced,onlythoseunitscostisveryhigh,buttheyieldsrelativelysmallindustry,needacommontechnologyofmassoperation,reflectingtheinnovationforalargenumberoftrivialthingstechnicalwa
4、y.Andwhatdowecallthecoreoftheassetmanagementindustry?Infact,itistheabilitytocreatewealthandgainhighreturnsinthemarket,whichdeterminesthecorecompetitivenessofAssetManagementCo.Thisabilitysofarfromtheglobalperspective,itdependsmoreontwoaspects,thefirstisthehuman
5、factor,thisisnonsense,butthetruthis,thecorecompetitioninthisfieldisoneofthecompetition,theassetmanagementindustrygavebirthtocountlessbrightstar,becomealegend,theGodisnowalive,calledBuffett.Whatarethesecondfactors?It'stheweather.Althoughmanypeopledonotagreewith
6、thisfactor,theyhavetoadmittheexistenceofthisfactor,evenforthevastmajorityofinstitutions,thisfactorishigherthanthefirstfactormentionedabove.Theassetmanagementindustryhasbeenacyclicalindustryforalongtime,especiallyinchina.Underthesetwoconditions,theInternetcanpl
7、aywhatrole?CantheInternettransformthehumanbody?Orcanitchangethecycle?Ipersonallyfeelthatneitherofthetwoisrealistic.NowmanypeoplesaythattheInternetgeneratesbigdata,canhelpassetmanagementindustrymoreeffectivelyenhancethelevelofassetmanagement,andthustheformation
8、ofcorecompetitiveness,howtosay?Thefeelingisrightandwrong,andtheindividualmayberight,butgenerallyspeaking,it'shardtosay.Fromtheenvironmentpointofview,becausethemarketisthefinalinves
