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3万亿黄金藏于民间,监管刚划好跑道,这里将商机丛生吗?

来源: 南方日报网络版     时间: 2019年01月19日 04:31:29
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(原)(标)(题)(:3万)(亿)(黄)(金)(藏)(于)(民)(间)(,监)(管)(刚)(划)(好)(跑)(道)(,这)(里)(将)(商)(机)(丛)(生)(吗)(?
文)(|墨)(克)(
黄)(金)(,作)(为)(人)(类)(历)(史)(上)(价)(值)(稳)(定)(的)(硬)(通)(货)(,一)(直)(备)(受)(青)(睐)(。
有)(数)(据)(显)(示)(,目)(前)(,中)(国)(民)(间)(黄)(金)(储)(备)(量)(已)(达)(万)(吨)(,整)(体)(估)(值)(近)(3万)(亿)(。
曾)(有)(一)(批)(互)(联)(网)(玩)(家)(和)(巨)(头)(,在)(2014年)(就)(进)(入)(了)(黄)(金)(市)(场)(,开)(创)(了)(“互)(联)(网)(黄)(金)(”模)(式)(。
但)(最)(近)(,监)(管)(出)(台)(了)(相)(关)(文)(件)(,对)(互)(联)(网)(黄)(金)(、黄)(金)(产)(品)(都)(做)(了)(定)(义)(。
互)(联)(网)(黄)(金)(行)(业)(开)(始)(了)(洗)(牌)(和)(整)(改)(,但)(同)(时)(,跑)(道)(和)(路)(线)(也)(被)(划)(好)(了)(。对)(于)(真)(正)(的)(好)(玩)(家)(来)(说)(,这)(反)(而)(意)(味)(着)(丛)(生)(的)(机)(会)(。
这)(个)(3万)(亿)(的)(巨)(大)(市)(场)(,才)(刚)(刚)(被)(激)(活)(……
01入)(场)(和)(退)(潮)(
2018年)(12月)(,监)(管)(部)(门)(发)(布)(了)(关)(于)(互)(联)(网)(黄)(金)(业)(务)(管)(理)(的)(暂)(行)(办)(法)(。
办)(法)(中)(规)(定)(,黄)(金)(产)(品)(仅)(限)(金)(融)(机)(构)(、国)(务)(院)(和)(金)(融)(监)(管)(部)(门)(批)(准)(成)(立)(的)(黄)(金)(交)(易)(场)(所)(向)(市)(场)(提)(供)(,其)(他)(任)(何)(机)(构)(或)(个)(人)(,不)(得)(向)(市)(场)(提)(供)(黄)(金)(产)(品)(。
“这)(意)(味)(着)(,互)(联)(网)(黄)(金)(的)(出)(路)(,可)(能)(只)(剩)(下)(代)(销)(这)(种)(方)(式)(了)(。”资)(深)(黄)(金)(分)(析)(师)(肖)(磊)(对)(互)(联)(网)(+黄)(金)(的)(出)(路)(,颇)(为)(担)(忧)(。
在)(暂)(行)(办)(法)(出)(台)(后)(,有)(业)(内)(人)(士)(统)(计)(,市)(场)(上)(剩)(下)(的)(互)(联)(网)(黄)(金)(平)(台)(,已)(经)(不)(到)(10家)(。
“对)(于)(行)(业)(来)(说)(,这)(其)(实)(是)(真)(正)(的)(好)(事)(。”互)(联)(网)(黄)(金)(头)(部)(平)(台)(“黄)(金)(钱)(包)(”的)(联)(合)(创)(始)(人)(张)(晶)(,却)(毫)(不)(悲)(观)(。
与)(此)(同)(时)(,他)(们)(也)(开)(始)(了)(转)(型)(之)(路)(。
“其)(实)(早)(在)(去)(年)(5月)(,监)(管)(出)(征)(求)(意)(见)(稿)(的)(时)(候)(,我)(们)(就)(开)(始)(想)(转)(型)(之)(路)(怎)(么)(走)(了)(。”张)(晶)(称)(。
“我)(们)(在)(7月)(就)(和)(平)(安)(银)(行)(达)(成)(了)(合)(作)(,12月)(份)(暂)(行)(办)(法)(出)(来)(后)(,我)(们)(做)(了)(一)(些)(条)(款)(的)(调)(整)(。”张)(晶)(表)(示)(,预)(估)(几)(个)(月)(后)(,全)(新)(的)(产)(品)(就)(会)(推)(出)(。
黄)(金)(,在)(金)(融)(中)(的)(地)(位)(一)(直)(不)(可)(动)(摇)(。而)(互)(联)(网)(+黄)(金)(的)(模)(式)(,也)(曾)(红)(极)(一)(时)(。
从)(2014年)(开)(始)(,市)(场)(上)(就)(出)(现)(了)(一)(批)(互)(联)(网)(玩)(家)(,譬)(如)(黄)(金)(钱)(包)(、黄)(金)(管)(家)(,等)(等)(。
“2015年)(股)(市)(低)(迷)(,P2P行)(业)(也)(出)(现)(了)(负)(面)(消)(息)(,引)(发)(了)(人)(们)(心)(中)(强)(烈)(的)(避)(险)(情)(绪)(。”肖)(磊)(认)(为)(,这)(恰)(好)(成)(为)(了)(互)(联)(网)(黄)(金)(发)(展)(的)(一)(个)(机)(会)(。
到)(2016年)(,互)(联)(网)(黄)(金)(迎)(来)(了)(一)(波)(热)(潮)(。当)(年)(,黄)(金)(价)(格)(持)(续)(上)(涨)(,从)(年)(初)(到)(11月)(份)(,国)(内)(金)(价)(上)(涨)(30%,诸)(多)(投)(资)(者)(进)(入)(。
各)(种)(各)(样)(的)(互)(联)(网)(黄)(金)(平)(台)(,在)(那)(个)(时)(候)(纷)(纷)(登)(场)(。肖)(磊)(表)(示)(,在)(最)(高)(峰)(时)(,此)(类)(平)(台)(的)(数)(量)(达)(到)(了)(四)(五)(十)(家)(。
网)(信)(、陆)(金)(所)(这)(些)(互)(金)(巨)(头)(,开)(始)(推)(出)(自)(己)(的)(黄)(金)(产)(品)(,企)(图)(分)(一)(杯)(羹)(。
与)(此)(同)(时)(,巨)(头)(系)(也)(加)(入)(了)(战)(局)(。
2017年)(初)(,微)(信)(所)(推)(出)(的)(“黄)(金)(红)(包)(”,更)(是)(将)(互)(联)(网)(黄)(金)(这)(个)(概)(念)(推)(向)(了)(最)(高)(点)(,甚)(至)(连)(腾)(讯)(CEO马)(化)(腾)(都)(亲)(自)(出)(来)(站)(台)(。
但)(知)(情)(人)(士)(透)(露)(:“黄)(金)(红)(包)(在)(推)(出)(不)(久)(之)(后)(,就)(被)(监)(管)(层)(以)(窗)(口)(指)(导)(的)(方)(式)(叫)(停)(。”
此)(后)(市)(面)(上)(确)(实)(再)(没)(看)(到)(黄)(金)(红)(包)(的)(消)(息)(,但)(这)(依)(然)(无)(法)(阻)(挡)(巨)(头)(们)(对)(黄)(金)(的)(热)(情)(。
它)(们)(开)(始)(纷)(纷)(推)(出)(了)(自)(己)(的)(黄)(金)(产)(品)(,如)(阿)(里)(存)(金)(宝)(、国)(美)(黄)(金)(、腾)(讯)(微)(黄)(金)(、京)(东)(京)(生)(金)(等)(。
互)(联)(网)(黄)(金)(这)(个)(概)(念)(慢)(慢)(出)(现)(,但)(其)(中)(的)(各)(家)(企)(业)(却)(良)(莠)(不)(齐)(……
02创)(新)(与)(危)(机)(
对)(当)(时)(进)(入)(这)(个)(领)(域)(的)(互)(联)(网)(黄)(金)(玩)(家)(来)(说)(,黄)(金)(理)(财)(,是)(一)(个)(核)(心)(模)(式)(和)(卖)(点)(。
它)(的)(出)(现)(,有)(其)(自)(然)(逻)(辑)(。
根)(据)(中)(国)(黄)(金)(协)(会)(的)(数)(据)(,目)(前)(为)(止)(,我)(国)(民)(间)(的)(黄)(金)(存)(量)(已)(超)(过)(万)(吨)(,个)(人)(黄)(金)(消)(费)(也)(在)(以)(每)(年)(1000吨)(的)(增)(量)(持)(续)(上)(涨)(。
但)(是)(,这)(些)(黄)(金)(很)(难)(流)(通)(。它)(们)(大)(多)(被)(原)(封)(不)(动)(地)(存)(在)(家)(中)(。
这)(种)(“藏)(金)(于)(民)(”的)(行)(为)(,让)(价)(值)(3万)(亿)(的)(资)(金)(在)(沉)(睡)(。
用)(户)(想)(把)(黄)(金)(变)(现)(也)(很)(难)(,除)(非)(包)(装)(完)(全)(没)(有)(拆)(开)(,和)(购)(买)(的)(时)(候)(一)(模)(一)(样)(,否)(则)(银)(行)(很)(难)(鉴)(别)(和)(兑)(现)(。
因)(此)(,用)(户)(只)(能)(将)(其)(折)(价)(卖)(给)(金)(店)(。
一)(边)(是)(民)(间)(黄)(金)(难)(以)(流)(动)(,另)(一)(边)(,金)(店)(对)(黄)(金)(却)(是)(极)(度)(渴)(求)(。
金)(店)(通)(常)(都)(摆)(满)(了)(黄)(金)(,但)(金)(饰)(品)(不)(可)(能)(快)(速)(出)(货)(,假)(如)(金)(店)(将)(店)(铺)(内)(的)(黄)(金)(全)(部)(买)(断)(,再)(卖)(出)(的)(话)(,将)(需)(要)(一)(笔)(巨)(额)(资)(金)(。
这)(就)(是)(珠)(宝)(行)(业)(的)(巨)(大)(掣)(肘)(——需)(要)(巨)(大)(的)(现)(金)(流)(。
张)(晶)(称)(,全)(国)(这)(样)(的)(中)(小)(金)(店)(“多)(达)(10万)(家)(,每)(年)(需)(要)(的)(资)(金)(是)(100亿)(”。这)(还)(不)(包)(括)(黄)(金)(产)(业)(链)(中)(的)(批)(发)(商)(、工)(厂)(、珠)(宝)(店)(等)(需)(要)(的)(资)(金)(。
“所)(以)(我)(们)(想)(到)(了)(一)(个)(模)(式)(:将)(用)(户)(的)(实)(物)(黄)(金)(收)(上)(来)(,再)(出)(租)(给)(这)(些)(金)(店)(,用)(户)(可)(以)(得)(到)(一)(些)(租)(借)(的)(利)(息)(。”张)(晶)(称)(,这)(就)(是)(黄)(金)(钱)(包)(最)(早)(的)(商)(业)(模)(式)(。
这)(样)(一)(来)(,能)(增)(加)(黄)(金)(的)(流)(动)(性)(,将)(沉)(淀)(资)(金)(激)(活)(。
而)(获)(取)(黄)(金)(的)(方)(式)(,主)(要)(有)(两)(种)(:一)(种)(是)(开)(设)(线)(上)(业)(务)(,用)(户)(可)(以)(通)(过)(网)(页)(直)(接)(购)(买)(黄)(金)(,再)(出)(租)(给)(金)(店)(。
另)(一)(种)(就)(是)(与)(线)(下)(门)(店)(合)(作)(,为)(用)(户)(提)(供)(存)(金)(服)(务)(。
在)(黄)(金)(钱)(包)(之)(后)(,出)(现)(了)(不)(少)(模)(仿)(它)(的)(平)(台)(。
“但)(很)(多)(平)(台)(只)(是)(打)(着)(黄)(金)(理)(财)(的)(口)(号)(,其)(实)(和)(P2P没)(什)(么)(区)(别)(。”多)(位)(从)(业)(者)(称)(。
在)(黄)(金)(理)(财)(盛)(极)(一)(时)(时)(,“1元)(即)(可)(参)(与)(黄)(金)(理)(财)(”“开)(户)(即)(送)(0.2g黄)(金)(”等)(宣)(传)(语)(满)(天)(飞)(。
用)(户)(可)(以)(在)(这)(些)(平)(台)(上)(开)(设)(账)(户)(,买)(进)(卖)(出)(,并)(获)(得)(年)(化)(4%-13%的)(收)(益)(。
以)(此)(前)(黄)(金)(盈)(家)(提)(供)(的)(“稳)(赢)(金)(”为)(例)(。平)(台)(声)(称)(提)(供)(产)(品)(保)(值)(处)(理)(,客)(户)(不)(承)(担)(金)(价)(波)(动)(风)(险)(,但)(并)(没)(有)(说)(明)(资)(金)(流)(向)(。
这)(样)(的)(产)(品)(边)(界)(,确)(实)(有)(些)(模)(棱)(两)(可)(,让)(人)(生)(疑)(。
而)(采)(用)(这)(样)(的)(玩)(法)(,无)(疑)(存)(在)(巨)(大)(的)(风)(险)(。
用)(户)(投)(的)(钱)(是)(否)(开)(了)(黄)(金)(账)(户)(,是)(否)(买)(了)(实)(物)(黄)(金)(,黄)(金)(是)(否)(被)(金)(店)(租)(借)(,这)(些)(都)(未)(可)(知)(。如)(果)(这)(些)(都)(没)(有)(做)(,“黄)(金)(”就)(只)(是)(噱)(头)(,平)(台)(的)(本)(质)(还)(是)(P2P。
如)(果)(用)(户)(真)(开)(设)(了)(黄)(金)(账)(户)(,又)(涉)(及)(平)(台)(是)(否)(违)(规)(的)(问)(题)(。
因)(为)(此)(前)(,黄)(金)(的)(所)(有)(交)(易)(、结)(算)(,仅)(能)(通)(过)(上)(海)(黄)(金)(交)(易)(所)(、上)(海)(期)(货)(交)(易)(中)(心)(和)(银)(行)(完)(成)(。
而)(当)(时)(,平)(台)(自)(己)(的)(黄)(金)(账)(户)(,却)(能)(进)(行)(支)(付)(、清)(算)(,自)(行)(进)(行)(黄)(金)(交)(易)(。
创)(新)(派)(的)(创)(新)(,慢)(慢)(变)(成)(了)(打)(擦)(边)(球)(,而)(巨)(头)(系)(却)(选)(择)(代)(销)(和)(导)(流)(平)(台)(,开)(始)(给)(银)(行)(的)(黄)(金)(产)(品)(导)(流)(。
比)(如)(微)(信)(推)(出)(了)(“腾)(讯)(微)(黄)(金)(”,用)(户)(可)(以)(在)(上)(面)(直)(接)(购)(买)(黄)(金)(,但)(背)(后)(的)(产)(品)(提)(供)(者)(,却)(是)(深)(圳)(工)(商)(银)(行)(。
巨)(头)(系)(、创)(新)(系)(、擦)(边)(球)(系)(,都)(混)(杂)(在)(互)(联)(网)(黄)(金)(市)(场)(中)(。在)(失)(控)(之)(前)(,监)(管)(就)(让)(其)(及)(时)(刹)(车)(……
03未)(来)(之)(路)(
监)(管)(政)(策)(的)(出)(台)(,让)(互)(联)(网)(黄)(金)(的)(乱)(象)(戛)(然)(而)(止)(。
一)(些)(玩)(家)(觉)(得)(无)(法)(再)(打)(着)(黄)(金)(的)(噱)(头)(玩)(理)(财)(,自)(动)(退)(出)(了)(市)(场)(。
悲)(观)(派)(认)(为)(,互)(联)(网)(黄)(金)(再)(无)(机)(会)(。
但)(张)(晶)(却)(不)(这)(样)(认)(为)(。
“监)(管)(政)(策)(的)(出)(台)(,就)(是)(要)(让)(行)(业)(归)(位)(。”他)(表)(示)(,金)(融)(机)(构)(应)(负)(责)(黄)(金)(账)(户)(的)(监)(管)(,而)(互)(联)(网)(则)(去)(负)(责)(获)(客)(、市)(场)(教)(育)(和)(落)(地)(,这)(才)(是)(“各)(取)(所)(长)(”。
在)(这)(个)(基)(础)(上)(,他)(们)(要)(做)(的)(第)(一)(点)(,是)(推)(动)(银)(行)(觉)(醒)(。
“尽)(管)(我)(们)(觉)(得)(黄)(金)(市)(场)(很)(有)(想)(象)(力)(,但)(很)(多)(银)(行)(还)(没)(注)(意)(到)(。”张)(晶)(称)(,目)(前)(银)(行)(并)(没)(有)(大)(力)(推)(广)(黄)(金)(产)(品)(。
比)(如)(,银)(行)(在)(线)(上)(页)(面)(,确)(实)(会)(有)(黄)(金)(产)(品)(,但)(它)(们)(通)(常)(藏)(得)(比)(较)(深)(,都)(是)(在)(二)(级)(目)(录)(内)(。
客)(户)(去)(银)(行)(办)(一)(张)(银)(行)(卡)(,极)(为)(简)(单)(,甚)(至)(不)(花)(钱)(,但)(去)(银)(行)(开)(设)(黄)(金)(账)(户)(,程)(序)(会)(复)(杂)(一)(些)(,且)(要)(收)(取)(一)(定)(的)(手)(续)(费)(。
“我)(们)(想)(推)(动)(银)(行)(开)(设)(黄)(金)(账)(户)(,让)(它)(变)(成)(一)(个)(基)(础)(设)(施)(,像)(开)(银)(行)(卡)(一)(样)(方)(便)(。”张)(晶)(说)(,实)(际)(上)(,黄)(金)(账)(户)(后)(面)(可)(以)(衍)(生)(出)(很)(多)(黄)(金)(产)(品)(,价)(值)(不)(可)(小)(觑)(。
第)(二)(点)(,就)(是)(用)(户)(教)(育)(。
老)(一)(辈)(对)(黄)(金)(有)(特)(殊)(的)(“执)(念)(”,觉)(得)(拿)(着)(一)(些)(金)(银)(首)(饰)(,才)(有)(安)(全)(感)(。
腾)(讯)(信)(息)(可)(视)(化)(实)(验)(室)(数)(据)(显)(示)(,过)(去)(5年)(间)(,中)(国)(人)(每)(年)(消)(费)(约)(1000吨)(黄)(金)(,是)(美)(国)(的)(6倍)(,总)(量)(约)(占)(世)(界)(黄)(金)(消)(费)(量)(的)(三)(分)(之)(一)(。
5年)(前)(,中)(国)(大)(妈)(狂)(扫)(黄)(金)(。有)(媒)(体)(预)(估)(,在)(10天)(里)(,大)(妈)(们)(抢)(购)(了)(300吨)(黄)(金)(,花)(费)(约)(1000亿)(人)(民)(币)(。
由)(此)(可)(见)(,老)(年)(群)(体)(对)(黄)(金)(有)(着)(偏)(爱)(和)(强)(大)(的)(购)(买)(力)(。
但)(一)(个)(不)(容)(忽)(视)(的)(现)(状)(是)(,年)(轻)(群)(体)(对)(黄)(金)(的)(投)(资)(意)(识)(还)(未)(觉)(醒)(。
“其)(实)(从)(投)(资)(的)(角)(度)(来)(说)(,黄)(金)(是)(一)(种)(避)(险)(资)(产)(,应)(该)(进)(行)(一)(定)(比)(例)(的)(配)(置)(。”张)(晶)(称)(,这)(个)(市)(场)(的)(潜)(力)(很)(大)(,要)(慢)(慢)(教)(育)(用)(户)(和)(进)(行)(开)(发)(。
而)(第)(三)(点)(,才)(是)(正)(常)(的)(代)(销)(和)(获)(客)(。
现)(在)(的)(线)(上)(导)(流)(,不)(再)(是)(在)(平)(台)(上)(直)(接)(开)(设)(账)(户)(,而)(是)(直)(接)(跳)(转)(银)(行)(的)(开)(户)(界)(面)(。
而)(线)(下)(导)(流)(,就)(是)(与)(线)(下)(门)(店)(合)(作)(,为)(个)(人)(用)(户)(提)(供)(“存)(金)(”服)(务)(。
“我)(们)(现)(在)(在)(北)(京)(有)(10多)(家)(合)(作)(门)(店)(能)(验)(金)(收)(金)(,这)(一)(系)(列)(流)(程)(已)(经)(标)(准)(化)(。”张)(晶)(称)(,这)(个)(活)(比)(较)(苦)(和)(累)(,他)(们)(可)(以)(帮)(银)(行)(做)(。
这)(也)(是)(互)(联)(网)(公)(司)(的)(一)(个)(定)(位)(:做)(基)(础)(服)(务)(设)(施)(建)(设)(。
到)(底)(是)(金)(融)(,还)(是)(科)(技)(?
在)(黄)(金)(领)(域)(,这)(个)(界)(限)(,已)(被)(划)(得)(清)(晰)(无)(比)(。
在)(这)(个)(过)(程)(中)(,劣)(币)(被)(驱)(逐)(,良)(币)(也)(找)(到)(了)(新)(的)(方)(向)(。
“早)(早)(划)(好)(跑)(道)(,对)(于)(行)(业)(来)(说)(,其)(实)(是)(真)(正)(的)(好)(事)(。”多)(位)(黄)(金)(行)(业)(的)(从)(业)(者)(认)(为)(,面)(对)(这)(个)(3万)(亿)(的)(黄)(金)(市)(场)(,行)(业)(终)(于)(在)(轨)(道)(内)(开)(始)(了)(真)(正)(的)(良)(性)(竞)(争)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
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