Is the financial supermarket a dream or a gold mine!
To be honest, I used to not be interested in finance and investment management. However, since I've been responsible for operating CaiKe Online Accounting Website, I have started paying attention to and learning about finance and investment management. This is because CaiKe Online is an online accounting software targeted at individuals, and accounting is the foundation of investment management.
I once discussed a model with many people, which is to launch a "channel for online ordering of financial products" on the CaiKe Online platform. In fact, it's the B2C model of financial products, and we even came up with a very trendy name at the time: Financial Supermarket.
The idea of a financial supermarket has always been there, and I have been repeatedly thinking about how to implement it, how to do it, and how to combine it with CaiKe's resources and advantages. Many friends who understand the concept of the financial supermarket think it's very challenging. As an entrepreneur, I am fully aware of the difficulties involved, but as an entrepreneur, I really like such challenges. If there were no difficulties, it wouldn't be my turn to do it. It's precisely because there are many difficulties that others are unwilling to do it or cannot do it. If we can do it and do it well, we will succeed, and at the same time, it will further prove our capabilities.
Today, I saw that Sina launched a "Financial Supermarket" channel. For now, I don't know if Sina launched it in cooperation with someone else or if they did it themselves.
Financial products have some particularities, so there are currently fewer direct sales online. First, financial products involve money, and for everyone, if you want them to spend their money, they will definitely be sensitive about it. Therefore, they must understand it clearly and comprehensively before they might be willing to spend money to purchase, especially since the amount involved in purchasing financial products is usually quite large. In this way, the sales difficulty is higher than for general products, and customer service personnel need to answer questions regarding investment returns, etc. The cost of customer service is high, and the sales cycle is long.
However, to put it another way, financial products are also relatively suitable for online sales. If we create a B2C model for financial products, the scale will certainly not be less than Ctrip's. The profit model is also very clear.
The profit model of Mint.com, the largest online accounting website in the United States, is to launch a financial product supermarket. Members on the website purchase financial products through Mint, and Mint receives a certain commission. I believe that in the near future in China, such a model will surely develop!