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Where there is a will, there is a way.

 
 
 

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年过半百,经历坎坷.少年遇"文革",下乡八载,虽历经磨难,唯斗志不减,农耕间隙自学不辍,终守得云开日出,考进大学.大学毕业后先后经历了中学执教,国企管理,外企高管,最后回归重执教鞭.目前在家精心培养有志掌握英语的中小学生. 我最大的愿望就是看到孩子学有所成,桃李天下.

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我新发表的文章《“搅局者”改变中国》  

2014-02-24 09:27:40|  分类: 默认分类 |  标签: |举报 |字号 订阅

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前言:阿里巴巴,腾讯和小米是中国企业创新的典范。阿里巴巴的淘宝和支付宝改变了老百姓消费和支付的方式,现在炽热的余额宝又改变了老百姓管理资金的方式;腾讯的QQ和微信则改变了老百姓通信交流的方式,而现在腾讯正利用微信高达6亿使用者的优势迅速将微信演变成支付和消费的平台,与阿里巴巴展开正面交锋。小米则改变着移动通讯时代的产品营销的方式,创造了短短几年一个超级企业从无到有,从小到大,从弱到强的神话。

这些企业在传统的行业垄断者眼里都是搅局者,从旧霸主手中攻城略池,抢夺地盘。但正是这些搅局者赋予中国经济无穷的活力。这样的搅局者越多越好,他们之间的竞争越激烈越好,这样,老百姓才能享受到越来越多的实惠。

Game changers reshaping China

 

Wu Guangqiang

 

RECENTLY, my son has been elated by a small “windfall:” earnings from his Yu’ebao account. According to my son, he gets a daily message from Yu’ebao informing him how much he has earned from his account, the value of which is increasing day by day with yield rates much higher than those of bank deposits — currently its seven-day annualized return is about 6.3 percent. 

Yu’ebao was a sensation in 2013. It is a currency market fund co-launched by Alibaba, China’s largest e-commerce giant, and Tianhong Asset Management, a fund house, on June 13, 2013. Its AUM (asset under management) has rocketed from then until the present, from 0 to 400 billion yuan (US$65.9 billion), with 60 million investors, making it the largest fund in China, leveraging its enormous Taobao, T-mall and Alipay customer base. 

Besides higher returns, Yu’ebao attracts its investors with its convenience in money transferring, allowing its investors to withdraw their money instantly into their Alipay accounts while regular monetary fund investors usually have to wait an extra day for money to be transferred to their bank accounts. 

The splash made by Yu’ebao’s success has spurred other Internet companies, such as Tencent and Sina.com, to launch similar services. Many have hailed Alibaba’s innovative move, seeing it as a challenge to China’s haughty, bureaucratic banks, most of which are State-controlled. In fact, fearing that depositors’ massive transfer of money from banks to Yu’ebao and other similar funds may eventually lead to a cash shortfall, the five big State-owned banks have been obliged to raise deposit interest rates by the official ceiling of 10 percent, a move never before made. 

There remain some uncertainties in Yu’ebao’s prospects, given the fact that the 400 billion yuan is just 0.26 percent of the banking sector’s total deposit base and that none of these e-commerce companies and e-finance platforms have an established base of borrowers or banking skills, while they do not even have a lending license; so it’s still too soon to predict a revolution in China’s banking system. 

Yet Yu’ebao and its like will certainly transform China’s banking sector and revolutionize the way that money is managed. Their continued efforts will force banks to gradually raise interest rates on short-term deposits and it’s predictable that competitive pressure will make all the funding sources of the banks be subject to market rates in the next five to 10 years. Thanks to the likes of Yu’ebao, people enjoy mobile banking with their smartphones, allowing purchases, payments and money transfers to occur anywhere, at any time, with the touch on the screen on a mobile phone. 

Two other major game changers last year were Tencent and Xiaomi. 

Tencent has been making inroads into new businesses like online payments, by way of WeChat, a popular mobile text and voice messaging communication app. With about 600 million users, WeChat’s overwhelming domination in online social networking is giving Tencent a great competitive edge in exploring new territories. 

During the past Chinese New Year holiday, millions of WeChat users were scrambling for a “hongbao” (red envelope) product, which lets users send gift money to their friends and relatives. The function allows users to bind their bank cards to their WeChat accounts, and then designate sums of money to put in a virtual red envelope that can be sent electronically to other users. By getting 5 million users to bind their bank cards to their accounts, Tencent has made a decisive step in building up lucrative e-commerce business on WeChat. Its cutthroat competition with Alibaba is in the wind. 

Xiaomi is a dark horse in the smartphone market, whose phenomenal rise has redefined how business is run in a mobile communication era. Founded on June 6, 2010, led by its CEO Lei Jun, Xiaomi emerged from nowhere to become a superstar in the smartphone and app business. It launched an Android-based smartphone in 2011, and sold 18.7 million phones in 2013. On New Year’s Eve, Xiaomi set a new aim of 40 million smartphones in 2014. 

It is the emergence of such game changers that will endow the Chinese economy with endless momentum.

 

(The author is an English tutor and a freelance writer.)

 

 

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