In China, you can visit Ping An Jin Lu Institute.
The space is huge, and private enterprises are more energetic in innovation and development. Strong execution.
As long as the operation is standardized, there will be good development.
For example, the Tian Hong Fund cooperated with Alipay has brought a large number of customers and funds, and the flow is huge.
The wealth management industry is a comprehensive financial industry with strong demand in the future, especially the third party. One-stop service for financial institutions must be the future trend.
What needs to be solved is the problem of financial license, so payment license, insurance license, internet banking license, online small loan license and so on are so popular that the popularity of the market can also be reflected.
So the future prospects can be expected.
There are also a large number of employees in banking, insurance and securities who have transferred to internet finance and private enterprises.
20 18 the closure of private enterprises is only a matter of stock. In fact, a large number of small and medium-sized private enterprises faced the problem of tight capital chain in previous years. Usually banks will persist for two or three years after the emergence of loans overdue, and many bank loans are guaranteed by private enterprises, so the debt problem is easily transmitted. Therefore, some heavily indebted private enterprises will still close down in 20 19 or even in 2020. It will take some time for industrial upgrading and transformation. The transformation of some industries with traditional overcapacity has been very difficult, because there are too many fixed assets investments and their own liabilities are too high. Only after some enterprises go bankrupt can supply and demand be balanced, and it still takes time for enterprises in new industries to replace closed enterprises.
In fact, the policy has always been good, but the effect is not obvious. The analysis is as follows:
First, private enterprises lack funds, good projects develop slowly without financial support, and lose market share opportunities.
Second, the business philosophy is outdated and backward, and the modern enterprise management system is very mature, but it is difficult to implement it in private enterprises. In order to solve the problem of insufficient funds, we often get together to keep warm. The partnership has no articles of association, no system, and insufficient funds to hire senior managers. In the event of a bad form or impact, some people will immediately dissolve the enterprise as soon as they shake it.
Third, the assistance of various departments is too superficial. Although the superior policy has made various instructions and issued various guiding opinions, the procedures of various departments cannot be changed. They don't help or can't help the self-protection of dereliction of duty. Take banks as an example, lending is risky, and enterprise management itself is also risky. Therefore, banks look at the running water of enterprises, and enterprises can use collateral to protect their own interests. The bank's approach is understandable. People are also commercial banks, and they have to pay taxes to maintain their operations. This problem is that superiors need to make policies and goals mandatory.
The fourth is high taxes. At present, the tax point has basically reached around 20 o'clock, and tickets for three o'clock are basically not needed. Because the slightly larger items are in the hands of large companies, and large companies also need to deduct taxes from small companies, the value-added tax business of 17 is basically ruined.
The fifth is the real estate impact. Bank funds are willing to give real estate to small and micro enterprises. It is better to be a private enterprise for a lifetime, and corporate funds flow to the real estate market. Leading to insufficient funds for private enterprises to withdraw.
Sixth, the guild can't play a role. One family made money, others followed quickly, and it didn't take long to form an industry in one place, but the competition was also fierce, with mutual price reduction, malicious competition and sacrifice of product quality. No one cares, no department management, and gradually loses its advantage.
Seventh, enterprises have no plans. The cultural level of enterprise leaders is limited, and there is insufficient planning for the future. Market development will eliminate backward things, and some enterprises will only follow suit without their own ideas and plans.
Eight is insufficient risk management and control. Most of the enterprises I visited did not implement risk margin, let alone investment holding. When the cold current strikes, enterprises lose their sources of funds, and the capital chain breaks, and they will die.
Nine is the increase in labor costs. With the transformation and upgrading of the country and the end of Manulife era, the shortage of human resources has emerged, and the labor cost has soared, which has increased the burden on enterprises.
Tenth, the idea that functional departments and enterprises are the flesh of Tang monks is still deeply rooted. Some departments still violate the discipline, apportion and demand from enterprises, and enterprises generally do not refuse to keep them, although they know it is unreasonable. To some extent, private enterprises are also vulnerable groups.
Under the influence of international trade, it is expected that the inertia of 19 will decline, and enterprises will be shuffled into a new era, so it is imperative to transform and upgrade enterprises. Don't be too pessimistic about the existing economic form, a large number of backward industries will die out and develop into environmentally-friendly and efficient emerging industries.
The above humble opinion is my personal feeling, don't spray it! thank you
Will continue, because weeds can't burn, but spring breeze.
At present, the domestic financial industry is mainly banks, P2P, securities companies, fund companies, insurance companies, financing guarantee companies and investment companies. Among them, the state-owned industry is dominant, or semi-monopoly.
In recent years, various financial industries have been "shocking". Under the pressure of the "semi-monopoly" of state-owned financial institutions, the strong supervision of regulatory agencies and the economic downturn, how should the private wealth management industry develop? Personally, I think we should develop from our own advantages!
First, innovation! Compared with the traditional products of state-owned industries, the products of private industries are more innovative. Innovation is the core competitiveness of the financial industry!
Second, efficiency! Compared with the complex process of state-owned industries, private industries are more efficient.
Third, the cost! The cost of private industry in capital operation, personnel expenditure and investment in business premises is lower than that of state-owned industry.
Fourth, profit! It is an indisputable fact that the profits of similar businesses are higher than those of state-owned industries.
Finally, the most important thing is to strengthen the risk control and compliance management of private industries, which is the guarantee to bring word of mouth and development! I believe that if we do this well, the future development of the private sector will be smoother!
The prospect is bleak, and financial supervision tends to be state-owned and relational. In the normal development, the same violation of regulations of large state-owned enterprises only needs one person to bear, while private enterprises need the whole enterprise to bear. Regardless of the compliance of various innovative products, in terms of supervision, private enterprises should do a good job in industry. Finance is not the way out and choice for private enterprises. No matter how big it is, the risk of violation will come, and it is very likely that it needs rectification.