Monthly Archives: January 2014

Mobile payment under fierce battle lines

Had gone to 2014, at the occasion of the New Year festival, the first of Lu Ye wishes you a small partner in 2014 in good health and good luck.

In fact, in the last days of December 2013, the Lu Ye has been thinking about the Internet in which direction the financial industry will develop this year, but suffers busy with other things, not to use words to show in front of you. Here, Lu Ye on the Internet in 2014 to predict the financial sector following aspects:

First, the introduction of Internet banking regulatory policy

Because of the closed nature of China’s financial system , before this , the banking sector is one of the few traditional industries is not affected by the Internet , or 0.35% of the bank to demand of 3.5 percent a year , such as low-cost access to capital , and then to 6 percent of the loan lending interest rates go , earning deposits and loans spread , with natural state credit guarantee , banks earn huge profits , only ICBC net profit for the first half of 2013 amounted to 138.5 billion yuan , the profits and gains even more than half of the entire Chinese Internet companies also great. However, the big banks on loans to consider only state-owned large enterprises, small and medium micro enterprises are often unable to get loans to these companies add a shadow in development.

After the introduction of innovative Alipay balance treasure , Internet banking concept turned out , P2P lending platform network mushroomed birth , P2P platform enterprise projects mostly based on the entire network to raise funds on the platform , which eased to some extent, some cash flow problems encountered in the process of enterprise development , but the field of P2P illegal fund-raising , foot scandals market newspapers.

In fact , in 2013 the policy level , the central bank ‘s supervision of financial research on the internet has never relaxed , Liu Shiyu , vice president for research into several Internet financial firms , recently more outgoing full-time vice president of the China Banking Association published a signed article Ping Yang again , bluntly, ” Internet banking is no longer naked” , Internet Finance Committee set up in early December is the basis for the regulatory rules promulgated and bedding .

Therefore, Lu Ye believe that the Internet will be on the right track financial regulation , and even reason to believe that the “two sessions ” on behalf of the financial and members will not ignore the Internet in March “to see the possibility of the two sessions of Internet financial proposal is great, the internet financial regulation may be put on the national strategy.

Two , P2P networks will be industry consolidation loans

2013, P2P networks to raise loans to the public network headed off a collapse of the wave, Paolu common occurrences, October is peaked. Lu Ye think all levels of society to adapt Darwin’s theory of evolution , natural selection , survival of the fittest , P2P industry self- purification, elimination of poor risk control business is inevitable , of course, some people holding flowers small cost and then choose the foot dry P2P bound be severely punished by law.

Like 2011 hot buys, buy site in 2013 only U.S. groups, handle, rice, several. 2014 , P2P net loan will be fierce competition in the industry , industry consolidation , either to get capital investment , or take refuge in BAT , etc. For the first choice , it would appear favorable network, which has gained the love P2P network investment credit capital investment the upper hand , the other P2P must continue to oh.

Inter Or, choose the powerful combination of the industry, resource restructuring. Lu Ye predicted that 2014 will be Tuomohengfei credit P2P networks, may one day prior to the acquisition of the rumor, the next day it announced the acquisition of investments or acquisitions, anything is possible.

Third, Paypal wallet and micro-channel payment under fierce battle line

After the August 2013 launch of the micro-channel pay, on the next line during intense promotion, in the north of Guangzhou-Shenzhen and other cities already enjoy convenient micro-channel payments. When micro-channel payment gaining momentum in October, Alipay announced wallet to pay in person, in November announced an independent brand, and then cooperate with intime, the United States should be good, fast taxi, and actively layout of the line.

Micro- payment under the letter is with the top grade discount, 7-Eleven convenience stores in Guangzhou and other cooperation layout line, pays on -line micro-channel cooperation with millet, millet 3 launch specials, it is believed to stimulate micro- payment account number. In the micro-channel pay launched 100 days, the number of users reached 20 million, while the number of paypal users exceeded 100 million purse marks are spent three years.

2014 , Paypal wallet and micro-channel pay expand ” battle” will be online next , this is a war of no smoke , after six months of gestation in 2013 , 2014 will be a watershed for both sides , who seize the initiative, will initiative in the market accounted for the huge market potential the line , Lu Ye believed to Alipay payment wallet and micro-channel , this will be a protracted war .

Chen guangbiao to the acquisition, “the New York Times.”

” Recently, I’ll go to America to do three things, the first thing is to go to negotiate the acquisition of ” New York Times “.” Philanthropist, China Huangpu Recycling Resources Co., Ltd. Chen cursor go, words and deeds will be people attention.

Tonight ( December 30 ) , he appeared in the 4th floor , Luohu District, Shenzhen Peng Hotel conference hall , attended the ” overseas Chinese media Cooperation Organization” and co- organized by the Hong Kong Wen Wei Po , ” 2013 China International Media Awards ” live in obtaining after the “Success Stories ” title , he does so his acceptance speech .

Referred to the acquisition, ” the New York Times,” the audience laughing, ” put the satellite is to it.”

The night of December 24 , Chen cursor spent a Dongfeng truck to a vehicle, a total of 16 tons one hundred yuan in Nanjing makeshift open-air several meters high red account “assemble ” a three-sided ” wall of money ” and a “money table,” the ” studio ” , site promotional economic Census .

Network again in an uproar.

As for tonight, he again stunned the world, the acquisition of ” New York Times “, drew a stunned audience, guests and media, some even laughing: “? ! Put the satellite put too much of it,” Reporters micro-channel circle of friends was also questioned, “Standard brother, then you also believe that? ”

According to news media reports, Chen cursor and the ” New York Times” from August 2012 , Chen cursor spend about thirty thousand U.S. dollars in the ” New York Times ” published a half-page ad , declaring the Diaoyu Islands are Chinese territory ; August 5 this year , Chen ‘s son Chen cursor environment in the ” New York Times ” advertisements declared sovereignty over the Diaoyu Islands again ; August 11 , Chen cursor again in the ” New York Times ” published a half -page advertisement , calling Japanese Prime Minister Shinzo Abe not to visit Yasukuni Shrine .

Public information, ” New York Times ” (The NewYork Times) sometimes referred to as the ” Times ” (The Times). the New York Daily News is a publication of the issue in the world, has considerable influence on behalf of senior U.S. Newspapers / serious publications, has long been a good credibility and authority.

During the meeting, Chen cursor in an interview with reporters to ” buy” the New York Times, ” ” did not elaborate on the issue, said only ” under negotiation.” After the rush to leave, left a business card and then did not answer reporters Chen cursor phone, nor the reporter consulted about the acquisition, ” New York Times” SMS reply.

” Died in the wealthy, is a disgrace.”

In an interview with reporters, his hand on how to fulfill the social responsibility of Chinese entrepreneurs eloquent.

He said he has three levels of awareness of the social responsibility of Chinese entrepreneurs , one company responsible for the people , for the people to produce safe , reliable products , not swindling , not pollute the environment ; Second, entrepreneurs have to make their own may solve some multi- service employment, pay more taxes, not tax evasion ; three is the same as standard brother voluntarily and consciously put out of pocket a percentage of net out to do some ecological and environmental protection , helping the poor thing do some positive energy work.

“As an entrepreneur, as the Comrade Xiaoping said, the first money to help the rich, for our society, we should make some contribution.” Cursor Chen said, “Fortune water, you have to drink a glass of water, you there is a bucket of water, you can put yourself at home when you have a river, you have to learn to share with others. ”

” As the saying goes, money as dirt, students do not bring refuses to take life live on in respect of the philanthropist, died lonely than a single book on the miser glorious, great.” Chen cursor said he also cited the United States ” steel king” Carnegie famously said. ” died in the wealthy, is a disgrace.”

Baidu mobile phone users hurts guards

Recently, Baidu Security Labs released a mobile security report. The report shows Android platform security situation worsening, the number of infected users has continued to rise in the third quarter of this year has more than 5 million. Meanwhile, as the number of users growing steadily Andrews permeability security applications unexpectedly fell, unsafe environment also spawned demand for mobile phone users to optimize and secure software. To this end, December 18, Baidu announced its mobile system optimization products. ” Andrews optimization guru ” upgraded to ” Baidu mobile guards,” a strong move into the field of security. In Andrews optimization guru, based on the Baidu mobile guards were substantial capacity upgrades, new professional virus killing capacity, the main ” anti- smoking costs, the provincial traffic ” feature.

The move to Baidu , Information Technology Research Institute of Tsinghua University Associate Professor Chan Chun : “In the past on a desktop system , the processor from 32-64 It took 20 years of development , while the iPhone from 32 to the current 64-bit architecture , in just six years . Quickly upgrade phone hardware performance, and promote the outbreak of mobile applications, giving a powerful phone features, it also brings application redundancy, running slow, memory consumption efficiency. Ahead, with mobile Internet further penetration of everyday life to the users, their mobile payment, mobile banking and other services, letting greatly highlight the importance of mobile security. ”

Meanwhile, Chen Zhen pointed out that people demand for mobile security software core is actually: Optimizing + security, and now, Baidu mobile guards combined the needs of users, can be described as just right.

It is understood that Baidu mobile guards Andrews optimization guru in the continuation of the system optimization and harassment prevention lead, mobile acceleration, refuse removal, ranked first worldwide application management capabilities, the ability to further strengthen anti-harassment. Meanwhile, Baidu mobile guards developed ” anti- smoking costs ” feature, you can also scan a comprehensive mobile application, the first time the discovery and precise killing charge back applications.

In addition, Baidu mobile guards new virus killing function is also of concern, Baidu mobile antivirus engine (TrustGo) maintains the international advanced level in the field of mobile phone virus killing. Internationally renowned security software testing organization AV-Test of November the latest evaluation results show that Baidu mobile antivirus engines to 100% killing rate, zero false positives, performance out of a possible 13 points ranked first worldwide good results.

In fact, Baidu Mobile Guard has the ability to people in the industry have said good, we generally reflect today’s rates , the property is a mobile security difficulties, Baidu the release of mobile guards , pushing anti- smoking costs the function , identify universal user pain points , from traffic monitoring calls , smoking costs the virus killing the prepaid recharge service , a set of solutions which can fully meet user demand for mobile security , worthy of recognition .

Bigger the fight with giant

Lead: Never give up, always support the courage to challenge the giants of the 360, not Zhou combative personality, but 360 companies believe in “user education.”
An evening in December, the lanterns. A conference room next to the headquarters building of international electronic 798 Art District in Beijing, Zhou [ microbiology ] sitting on an inconspicuous seat, listened to some and not related to the product in comments.

This is an odd tiger 360 81.48, 1.00, 1.24%) Company (NYSE: QIHU) internal telco will, be cuckoo product is a new version of the 360 ​​Secure browser. At the moment, the atmosphere in the room has reached the apex, a lot of employees who are not related to departments sitting or standing, pointing to the product team who loudly complained that they are not satisfied:

“It was not smooth browser with 360, how to allow users to use more smoothly? ” ‘ In the case of the user should not be loaded, so that the product can automatically load again! ”

Another person right now in your browser screenshot function not satisfied that the user experience and certain products compared to competitors, are nothing but rubbish ……

No matter how intense and nonsensical telco’s problem, the browser product group of people cannot speak, can not even speak Zhou.

Such Zhou attended cuckoo will not know how many times. As long as there is time, he will listen to, and in accordance with their own understanding of the user to guide the direction of the product. In his opinion, in a giant siege sinister external environment, the user first 360 is the only way to survive, and it’s around the corporate culture and fighting in the market, is necessary.

Chinese Internet catfish

Yes, perhaps the odd tiger 360 today and in the future for a long period of time the most controversial companies in the world – this company in the industry today and dare the two largest Chinese Internet giant Tencent and Baidu [ microbiology ] ( 174.18 , 6.90 , 4.12% ) against , many small start-up companies but had become an ally of the 360 .

As founder of Qihoo 360 Zhou Hongyi, the investment community is across multiple areas, Internet security, search and other Internet veteran.

The internet industry in China, Qihoo 360 is always the image of a competitor described as ” showstoppers “; while Zhou seems that 360 is more like a Chinese Internet catfish.

In 2008, Qihoo 360 launched the free anti-virus software.

” I think as an Internet-based security services, sooner or later, to free, which is a big trend, as their first free.” Zhou recalled, ” then shareholders have opposed, because it means the loss of millions of antivirus software on income. I’ll take them to see a ” founding of the Republic “, which Mao Zedong said, ” People lost in person to lose both, in people, people who obtain land.” My understanding is the land revenue, who is the user if the user revenues will come back eventually persuaded everyone after 360 free antivirus first starts of our current users have exceeded 460 million, this is free to bring a miracle. ”

360 made ​​Free antivirus, free safety. Zhou Hongyi view, free safety, half commercial, half charity. That it is a commercial, because free safety may constitute free business model; say it is the public, because it reduces the use of high -quality security services user threshold, both to improve the level of safety, but also saves costs.

“360 antivirus free to help me with their own free concept, I also pay more attention to the importance of the user. 360 today, is also inseparable from the free business model and user -oriented philosophy.” Zhou said.

Believed in the ” user education”

Never give up, always support the courage to challenge the giants of the 360, not Zhou combative personality, but 360 companies believe in “user education.” Zhou praised all the time on their own ” user education” belief. ” the user experience from a tool into a belief” is his pursuit.

Wars always have to participate in 360 and 360 self-proclaimed ” subversive innovation ” relevant , and 360 more believed in the ” user education” about: If launched a free anti-virus software, security software into a comprehensive free era , marked 360 fraudulent phishing , purification search market , it is inevitable that touched the interests of some vendors.

In fact, the company developed to a certain size, will face earnings pressure, internal development pressure, then companies will instinctively tend to balance their own interests. Zhou believes that if the value of the enterprise for their own interests , ignoring the interests of users, standing on the opposite side of the user , it is equal to 360 standing on the opposite side ; while 360 have been relatively cautious on commercialization , is to avoid this . ” Tilt the balance instinct “on.

At the same time , the number of users in Qihoo 360 ‘s growing business from the core security needs to be more close to the user ‘s “Pan security” extends from the safe to the browser, and then search, search share from 5% to 10%, then 15% , while the number of employees with the gradual increase in the explosive growth and market share , Qihoo 360 ‘s stock continued to rise ……

Zhou Hongyi, the most valuable in the eyes of customers and employees is – he even changed the title of CEO , ” chief experience officer ” : “all user interests above the interests of the company , to win customers , the company has value .”

“My biggest motivation is to have a lot of users with 360 products. Many users of these products can help solve the problem, it makes us motivated.” Zhou said, ” but as the company grew and grew, once complacent, satisfied the status of the case, it will lose the innovative vitality. Progress, before lying on laurels, lost the entrepreneurial spirit. This is the biggest challenge I most intolerable is that we may encounter. ”

He believes that with the development of the Internet, the entire economy of the future environment will be a fundamental change. Traditional enterprises must be reformed to upgrade. At this time, business leaders need to break with tradition, conservative values, tolerance is more about different ideas, tolerance “think different”, there are different ideas to encourage innovators.

Quito 360 LOGO is a core element of green round ball, and down each surrounded by an arc.

It is said that when the original design of this LOGO, Zhou and management also hopes that through the full three-dimensional shapes to convey a 360 comprehensive, thoughtful, successful brand appeals. The upper and lower parts of the arc, representing 360 companies and users, they tried to show in this LOGO in between 360 and users communicate with each other, blending the close relationship with students. The center of the ball, ” + ” is directed at Internet Identity 360 security experts, the performance for the user to build a 360- determination for safe and reliable virtual network living environment.

周鸿祎