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Due to the fierce competition and poor performance of mobile payment, VC/PE began to focus on vertical segmentation and consumer finance became the new favorite.
The giant "deer by deer" financial technology
After last year's pullback, investment in the financial science and technology sector has shown signs of warming this year, with the VC/PE giants, the "national team" fund raising their Numbers. Layout of entrepreneurial state, according to data released by the recent financial VC/PE has over hundred in the field of science and technology, including giant figure, including softbank China, tencent, alibaba, sequoia China, IDG, etc. Overall, the investment stage is dominated by A round, and the majority of enterprises are in the long-term financial technology companies.
Sequoia China, for example, since the beginning of the year, sequoia China participated in the large financial, rich way securities, avenue of gold, and other financial investment of science and technology company, involved in digital credit, Internet securities, housing finance and other fields. In addition, tencent's performance as well, in addition to the third round led Internet brokerage, securities, rich way tencent this year also implemented a strategic investment of Yi Xin car loans 4 billion yuan, from the strategic investment, the motion founder wang wei.
It is worth noting that more "national" funds are active. In early July this year, xiamen state gold completed the pre-a round of financing, and the investor was the national sme development fund. In early June, everyone completed the financing of the angel round of ten million, and the investor was the Chinese venture capital company. At the end of march, Inner Mongolia city invested 100 million yuan strategic investment vehicle financial services platform "money nannies".
The frequent establishment of financial technology equity investment funds is a bright spot in the financial and technological field since the beginning of the year. Clear division of private data show, target of $5 billion of the Milky Way financial industry mergers and acquisitions fund of science and technology, Shanghai HuaXi is responsible for the management of the great seal technology finance private-equity funds, guiyang jointly launched by the government and the China insurance investment fund your silver big data more than financial fund financial funds have recently set up science and technology, covering the mobile payment, the raise, credit, Internet brokerages, housing finance, car finance and other fields.
Mobile payment is not performing well
Reporter rough statistics found that since the beginning of the year, for VC/PE investment companies generally include finance, credit, the raise, financial services, such as categories, most associated with consumer finance, is developing rapidly in recent years, mobile payments was cast in the field of enterprise is not much.
At present, mobile payment presents alipay and the tenpay of the two oligarchs. In the fourth quarter of 2016, alipay and tenpay accounted for more than 90 percent of the market, according to iresearch. The yuan securities analyst li fen believes that mobile payment is a powerful network effect and scale effect, market concentration is also understandable, and permeability of the China mobile payments scene coverage has gradually become saturated, future online fusion and innovation will be pay scene support new impetus to the mobile payment market growth.
In the current stage of mobile payment, startups mainly provide related services to large payment companies. For VC/PE, the opportunity may be in the vertical segment of mobile payment. Best to pay the world, for example, up to now, pay all have already completed the four rounds of financing, investment amount more than $60 million, one of its main product is mobile POS, mainly to do business on the mobile phone operators pay controls.
Compared with mobile payment, the competition of consumer finance is less intense, and the scope of investment is more extensive, so it is more popular with VC/PE. Since 2017, China has invested in five companies in the field of financial science and technology, including three related to consumer finance, including first car loans, small umbrella insurance and so on.
From the point of environment, relying on investment driver to drive economic growth model into the bottleneck, vigorously guided rely on consumption driver to drive economic growth, policy tilt to consumer finance. According to iresearch, Internet consumer finance has grown from 6 billion yuan to 436.71 billion yuan in 2016, with annual compound growth rate of 317.5 percent. At present, the consumption financial scene has become the mainstream of Internet consumer finance companies, the campus, 3C, renting, home decoration, medical beauty, tourism and other scenarios become hot spots.