Every reporter Zhu Dandan
Since 2016, the price of gold has risen sharply, and the "Internet + gold" game is also in the ascendant.
On September 13, the "2016 Internet Gold Industry Development Trend Report" jointly released by the gold investment and consumption platform "Gold Wallet" and the Retail and E-commerce Research Group of the National Finance Securities Research Institute showed that the proportion of residents' gold allocation was only 1.6%.
Xu Qian, a senior researcher in the retail and e-commerce group of the Guojin Securities Research Institute, believes that with the gradual improvement of investors' gold investment awareness, and the current gold asset allocation ratio of 1.6% is still at a low level, the proportion of gold in China's household asset allocation will continue to rise in the future.
At the same time, the Daily Economic News reporter noted that standing at the outlet of the Internet +, state-owned assets and venture capital accelerated the layout of Internet gold platforms, which can be divided into four categories. For example, the mainstream venture capital department represents the "gold wallet" invested by SoftBank on behalf of the enterprise; the Internet department, which represents the enterprise as Ali Jinbao, WeBank WeZhongjin, etc.; the traditional leading enterprises, representing the enterprises are Zijin Mining's Zijin Gold Bank, Shandong Zhaojin's Gold Panning Garden; the enterprise cross-border department, representing the enterprises are Gome Gold, Gangtai Jinduobao.
"In recent years, with the popularization of Internet users and the cultivation of online trading habits, the government has actively promoted the 'Internet +' plan at the national strategic level, and the Internetization of financial transactions has developed rapidly." Xu Qian believes that the development of gold trading Internet terminals has become the trend of the times. Although the Internet gold investment platform is a new industry that has developed for less than two years, it is facing a huge and long-standing private gold stock market. By revitalizing the stock, creating a "secondary market" to increase the liquidity of gold assets is also conducive to increasing the attractiveness of gold assets.
Industry insiders are even more expected that the scale of the Internet gold industry in 2016 will increase by 300% compared with 2015, and the market development space is vast. Extending the service to offline stores through the o2o model is conducive to the organic combination of gold investment and financing, product recycling and replacement, and terminal retail business, reducing the financing cost of the entire industrial chain.
In Xu Wen, the advantage of commercial banks that laid out gold business earlier is that offline outlets are rich in resources, brand endorsement is more reputable, and it is suitable to combine online and offline gold access to develop gold o2o business; compared with traditional channels, the Internet gold platform has further reduced the gold investment threshold, and the investment efficiency and popularity have been greatly improved.
The above report also pointed out that the essence of the Internet gold platform is to use the Internet model to efficiently match investment needs and gold demand, and obtain stable rental income. On the one hand, the Internet model has expanded the traditional gold investment channels; secondly, the characteristics of the young Internet user group have also made many customer groups that were not originally gold consumption or investment exposed to gold investment; finally, it has accelerated the cultivation of the professional gold investment market.
However, it is worth noting that the development time of China's gold industry is not long, and the industrial chain links are scattered, making it difficult for financial institutions to establish a comprehensive and reliable credit rating system for gold industry participants. On the one hand, this increases the difficulty and cost of due diligence for each financing project, on the other hand, it is difficult to expand the scale of lending through scientific risk pricing and reduce the financing cost of the industry.
In this regard, Xu Qian analyzed that at present, the Internet gold platform is beginning to use its own talents, technology, platform advantages, participants in the industry credit data collection, evaluation system construction, in order to control the overall operational risks, to win the trust of gold consumer investors in Internet gold products.