Three-body and New Finance: Fleet Destroyed by Water Drops

There is only one "earth" and only one market. If small and medium-sized financial companies do not break through the ceiling of "wisdom", they will face the Hamlet problem of whether to do finance or not: do it or not? For a time, Three-body was very popular. Ma Yun, Ma Hua Teng, Li Yanhong, Zuckerberg and even Obama are all readers of Three-body.

Why is it so hot? China ancient writers like to express their feelings in the scenery and wrote countless famous sentences. Three-body is not only a novel, but also a textbook suitable for many fields.

1, three-person routine

First of all, let the old readers review and let the new readers know about some plots of Three-body:

The technology of threesome is very developed, which is beyond human understanding, but their planet is very unreliable, which may make threesome "genocide" at any time. So they frantically searched for a planet to immigrate to. Like most science fiction novels, they discovered the earth and began to invade.

The speed of the three-person spacecraft is 1% of the speed of light, and it takes more than 400 years to fly to the earth, and during the flight, the development of science and technology basically stagnated. At the same time, they found that if the earth's science and technology continues to develop at the present speed, three people will be killed. As a result, Santi sent a multifunctional ultra-micro robot named Naoko to fly to the earth first, which drew a perfect "full stop" for the development of human basic science. To put it simply, there may be several "Newton and Einstein" among human beings, but they can't develop any new theories.

On the human side, I know that the three-body people are coming to invade the earth. After several trial and error, the application of science and technology finally reached its peak. Star spacecraft, the main battle weapon of human beings, uses nuclear fusion raw materials, and the speed can reach 15% of the speed of light, which is more than the three-person body and carries various weapons. As a result, the fleet sent by the three-body people lost more than two-thirds in space navigation. Man feels completely invincible. In order to show off their strength, more than 2000 star-rated warships on the earth were all dispatched to the three-person body, and once covered the sun with flags.

In Neptune's orbit, the human fleet encountered a three-person detector, which was the size of a truck, the shape of a water drop and smooth as a mirror. Magnify the surface substance of this "water drop" by10,000,000 times. What humans see is not such molecules, but a surface that is still as smooth as a mirror. That is to say, this water drop is hard to imagine, and what is even more frightening is that it can turn around 170 degrees without slowing down. This is definitely black technology. In just 50 minutes, almost all the more than 2,000 warships representing the highest combat power of mankind were destroyed by "water drops", not by weapons but directly.

The economic foundation determines the superstructure, and the scientific and technological foundation determines everything.

From the world of Three-body to finance.

2. The "star battleship" of financial technology

Who is the three-person water drop detector in the financial industry? Who is the star battleship of the earth? Put this problem on hold for the time being.

As described in the novel "Three-body", the innovation of financial technology is also divided into the innovation of technical basis and the innovation of technical application (that is, business model). These two kinds of innovations are mostly based on the deposit, loan and remittance business of traditional banks. Among many innovations, loan business is the most involved place for new financial enterprises, and the scientific and technological foundation is also developing at a high speed: biometrics is a new scientific and technological foundation and one of the anti-fraud means for many new financial enterprises. Many enterprises rely on new technology to realize the second-level audit of loans.

But the development of science and technology has gradually reached the bottleneck.

First of all, most enterprises' scientific and technological innovation is slow. In some companies' prospectuses, biometric technology is still the core advantage. Giants such as New Network Bank are still telling the story of second-level audit in industry activities. For many enterprises, the development of financial technology seems to be stagnant.

At the same time, under strict supervision, the innovation of science and technology application is also reaching its peak. Cash loans are across the board, online lending assets are frequently banned, and joint lending is also a hidden worry. Gradually, only the holder can think about how to break through the ceiling of technology application. For most unlicensed small and medium-sized companies, there is not much room for innovation.

The orientation of the new financial industry is to make up for the deficiency of traditional finance, the stagnation of scientific and technological foundation, the peak of scientific and technological application, and some stubborn diseases that cannot be eradicated, such as high interest rates, violent collection and long-term borrowing. In addition to these ills, there is a more direct problem: the market space of new financial companies is shrinking. In this shrinking space, traditional finance has to decisively enter the market to grab food, so there is a phenomenon of "seeking loans" in the new financial industry.

In recent days, I have received many sales calls approved by "lending institutions". Some pretend to be acquaintances and say: XXX, do you still remember me? I'm Zhang San and Li Si who contacted you. Some said: the loan you applied for here before has passed; Some said: there are activities now, and there is no interest on the loan.

Small and medium-sized new financial companies are like a huge "star fleet", which seems to be extremely prosperous, but in fact they are vulnerable to possible "water drops".

3. The man who broke the ceiling

Many people are used to attributing the success of Ant Financial to Alibaba's resource support. Indeed, Ant Financial was born in Taobao, a child born with a golden key, but there are many children born with a golden key, and not everyone has succeeded.

Every phenomenal product of Ant Financial has a * * * character, breaking the ceiling of "science and technology foundation". When the ceiling of science and technology foundation is broken, a new industry will appear.

20 1 1 year, it is understood that new financial services are in universities, and cash and credit cards are still the mainstream payment methods. Also in this year, Alipay obtained a payment license; After only a few years of development, who would have thought that we could travel all over China with only one mobile phone without a wallet? In 20 13 years, most people's financial management method is deposit, and online lending is just budding but chaotic. Also in this year, Yu 'ebao was launched. People suddenly find that financial management is so simple that even part-time college students can do it.

Get out of finance and enter the internet. The rise of almost all internet giants has broken the ceiling of science and technology and launched products that people can't think of. (Although, many of them learn from overseas experience)

In the recently hit "Entrepreneurial Times", a voice transmission that breaks people's cognition can set off a huge wave in the Internet industry. Later, Tencent's chat function, Baidu's search engine and Ali's e-commerce were not successful in breaking the ceiling and creating "water drops"?

But what small and medium-sized new financial companies lack is this ability to create water droplets.

4. Be prepared for danger in times of peace and drive away "wise men"

Like people on earth, the new financial industry also has wise men. Who is Naoko? Supervision?

After reading New Finance, I think that the restriction of supervision on the new financial industry is more reflected in the development of science and technology application; However, in the development of science and technology foundation, although there are restrictions, it is still relatively inclusive.

It is often difficult for people to think of danger in times of peace. "Safety" is the "wise son" of the new financial industry.

Since 20 17, the new financial listing tide has continued to this day, and many entrepreneurs have realized wealth freedom in private and open markets; There are also many companies that cleverly follow the footsteps of giants, "Don't compete with financial institutions, be good friends of financial institutions". It seems that the earth people with star-rated warships can really join hands with the three-body people and move towards peace together; Or open up overseas markets, copy this domestic mature technology and model as a whole, and continue to make money.

As mentioned above, small and medium-sized new financial enterprises are equivalent to "star fleet". Is that "water drop" traditional finance? Water droplets include not only traditional financial giants who still have license advantages, but also emerging financial technology giants such as Ant Financial.

How many small and medium-sized companies are left after the giants are fully mature? We can think about how many search engines are still alive outside Baidu; In addition to QQ and WeChat, there are several social platforms that can call names. Do Meituan and Didi still have rivals?

There is only one "earth" and only one market. If small and medium-sized financial companies do not break through the ceiling of "wisdom", they will face the Hamlet problem of whether to do finance or not: do it or not?