In the past two years，It is increasingly popular for Internet companies outside the tourism industry to set up 188bet online live casino divisions，They all announced their Internet 188bet online live casino strategies in a high-profile manner。Ali、Tencent、Both Baidu and JD.com entered the 188bet online live casino market earlier，In addition，58同城、Xiaomi also released an Internet 188bet online live casino strategy in May this year。LeTV, a capital operation master who can be called the dark horse of the stock market, will not be absent，Former Vice President of Bank of China、Senior researcher Wang Yongli left the Bank of China in early August，Join LeTV and may become the vice president in charge of Internet finance；Meituan、The 188bet online live casino business of Dianping and Didi Kuaidi is under preparation；Even Zhou Hongyi, who vowed not to engage in Internet finance, immediately changed his decision and established it360 188bet online live casino Department，Start applying for the central bank’s third-party payment license immediately，“Your Wealth” will also be officially launched in August。

Travel O2O Era，The tourism industry has also launched its own 188bet online live casino strategic concepts。As the company with the most comprehensive 188bet online live casino licenses in the tourism industry，Tempus International proposes the "Tourism × Internet × Finance" grand strategy based on the cash-driven characteristics of the industry。By providing business management system to small and medium-sized agents in the lower reaches of the industry chain、Payment settlement services and 188bet online live casino solutions，Established "Rong Yi Xing" small loan to support the development of small and medium-sized agents，Greatly improve the kinetic energy of downstream agents，At the same time, promote the development of its own main business。Currently Tempus has completed the nationwide layout of its business network，simultaneously，National layout through acquisitions，Rapidly developed into a national company and extended its advantages to the large tourism market，In the future, we will focus on building a comprehensive tourism platform、Internet 188bet online live casino platform、The big tourism ecosystem of data platform。

Uxin Travel announced in May this year that it will build a comprehensive business platform for outbound tourism in the future、Overseas Education Service Platform、Immigration and property purchase service platform、Destination Life Service Platform、A comprehensive outbound comprehensive service platform composed of outbound Internet 188bet online live casino service platform and "outbound cloud" big data management and analysis platform and other sub-platforms，Said by Cao Jian, Vice President of Zhongxin，Tourism finance is an indispensable part of Uxin’s construction of the tourism O2O ecosystem。

Also，OTA enterprise，Ctrip once independently launched “Ctrip Bao” and “Cheng Zhangbao”，The official website promotes this as a 188bet online live casino prepaid product，The income is not capped，Linked to Ctrip valuation；Qunar cooperates with 188bet online live casino institutions such as Ping An Bank，Launch of balance 188bet online live casino products，Fund sales agency，Small consumer loan “take it and spend it”；Lv Mama launched the “Little Donkey Installment” consumer loan；Caesar and CITIC launch “Island Travel” consumer trust，Users can enjoy related travel services at preferential prices。

Compared to the small-scale attempts of other OTA companies，Tuniu is undoubtedly quite radical on the road to Internet finance，First September 16th，Officially announced that two of its commercial factoring companies have been approved，Total registered capital is RMB 1.3 billion，Tuniu has thus become the first domestic online travel company to enter the tourism commercial factoring market。Next，September 18，Tuniu officially announced that it has been approved for an independent fund sales license，And thus became the first online travel company with fund sales 188bet online live casino qualification，Officially enters the field of fund sales。

The factoring 188bet online live casino provided by Tuniu’s two commercial factoring companies can provide Tuniu’s existing partners and related enterprises in the tourism industry with commercial factoring needs，Provide commercial factoring lines of more than 1 billion yuan。

After obtaining the independent fund sales license，Its 188bet online live casino management platform has the service capability to meet users’ one-stop asset allocation needs，Open up the scenario-based integration of tourism and 188bet online live casino management from multiple angles。You can see it from its official website，Tuniu 188bet online live casino Services is a “one-stop” Internet 188bet online live casino service platform provided by Tuniu for consumers and suppliers，Relying on its own tourism resources and 188bet online live casino resources，Provide a full range of 188bet online live casino products and services to individuals and businesses through Internet technology。For personal 188bet online live casino services: Tuniubao、Fund management、Regular 188bet online live casino management、Appointment for 188bet online live casino management；188bet online live casino services for personal travel: first payment、Cattle installment、Margin、Niu guarantee、；Outbound 188bet online live casino services for individuals: outbound insurance、Ox exchange-foreign currency exchange、Shopping tax refund、Cow Assets；Investment and financing services for suppliers: corporate 188bet online live casino management、Advance payment。

Commercial factoring license and fund sales license，All require strict approval from the government’s 188bet online live casino department，So now Tuniu is in addition to tourism business，This time we have put so much effort into Internet finance，Its 188bet online live casino business will definitely be its focus in the future。

As an OTA company，Why does Tuniu value Internet finance so much，Bold bet on fund sales 188bet online live casino？

Judging from the current hot market of Internet finance，Internet companies mostly want to rely on the huge traffic they control when deploying 188bet online live casino services、Monetizing massive users and big data，And further improve user stickiness，Improving the Internet ecological closed loop，The more typical one is Baidu、Tencent、360、Internet companies such as Zhaopin Recruitment。There is another kind of huge traffic in the above、Based on user base，I also master a large amount of cash flow transaction business，Various e-commerce companies are typical，For example, Alibaba’s Ant 188bet online live casino，JD Finance，Meituan Finance，Internet companies such as Tuniu Finance。

First，my country’s current 188bet online live casino market is changing，The rapid rise of independent 188bet online live casino agencies

The gradual expansion of the team of independent 188bet online live casino agencies will promote changes in the entire 188bet online live casino industry，Sales channels and service methods will be more improved，It will also improve the entire ecological chain of the fund industry。simultaneously，This open application for a 188bet online live casino license is also encouraged by the regulatory agency，There are favorable policies。

China Asset Management Association data display，As of the end of 2014，There are 1,897 public funds in my country’s market，345 more than at the end of 2013。Since 2015，As of March 8, 80 new funds have been established。With the continuous expansion of the fund market，The market space for 188bet online live casino is also growing，There are more and more organizations that want to share the cake。

The latest data released by the China Securities Regulatory Commission，As of the end of 2014，There are 265 188bet online live casino agencies in my country，40 more than the end of 2013。Look in detail，Banks and securities companies are still the dominant forces in the 188bet online live casino market，There are currently 108 banks qualified to sell funds，A total of 98 securities companies have obtained 188bet online live casino qualifications；Also，There are 49 independent 188bet online live casino agencies in the 188bet online live casino market、6 securities investment consulting agencies、5 futures companies、4 insurance companies and 2 insurance agencies、Insurance Brokerage Company。These institutions all had new members who obtained 188bet online live casino qualifications last year。

It’s worth noting，Independent fund sales agencies were the category with the strongest growth among fund sales agencies last year。Data display，A total of 21 independent fund sales agencies were approved in 2014，Compared to 28 at the end of 2013，Quantity nearly doubled。Independent fund sales agencies have thus become the next independent fund sales agency after banks and securities companies，The category of fund sales institutions with the largest number of members。Always，The sales channels of domestic securities investment funds are narrow，Mainly commercial banks、Direct sales by securities companies and fund companies。The single and monopolized fund sales channel in my country，A lot of questions arise，If fund sales are task-oriented rather than customer-oriented，Serious lack of fund after-sales service, etc.。Independent fund sales agencies, which are known for their professional services, are considered to be able to effectively improve the above problems。Obviously Tuniu has been approved for independent fund sales license，Relying on its own tourism business and huge traffic、User advantage also wants to take a share of the 188bet online live casino product sales market。

Secondly，Scenario of building link assets，The need to connect the capital side and the asset side

In reality，The 188bet online live casino itself has aggregate funds、The role of user and transaction data，The transaction data can price the risk of assets，But the assets required for 188bet online live casino finance are usually dispersed，It is difficult to implement aggregation directly，

Therefore，Only if certain conditions are met，And build scenarios that touch these assets，Only through data can the pricing of risky assets be completed，Thus forming a complete Internet 188bet online live casino business chain，To some extent，The basis of Internet 188bet online live casino competition is to create as many 188bet online live casino asset scenarios as possible，In order to better leverage the huge synergistic value of finance and Internet business。

For example, lending 188bet online live casinoRetail e-commerce platform JD.com can simultaneously obtain the consumer loan needs of buyers and the financing needs of suppliers in commodity trading scenarios。Lianjia can get renters、The financing needs of home sellers and home buyers in different aspects of the transaction。The difficulty in these lending businesses is not to obtain investors，It’s about getting the transaction scenario，Get these high-quality assets with controllable risks。

Therefore, building a 188bet online live casino scenario of tourism + finance is the key，Tuniu as a comprehensive OTA company，From a single season perspective，The total number of trips in the second quarter of 2015 was 1,011,267。Tuniu Travel Network estimates，The third quarter of 2015，Net income is 26.23.4 billion to 26.89 billion yuan，The total number of trips will be more。Currently more than 8,000 partners。Has a huge number of users and partners。

Since 2015, Tuniu has continued to strengthen direct procurement，Launched the peer distribution platform Diefeng，Its control over the supply chain continues to increase，Many suppliers are connected upstream，Resource，Many small agents are connected downstream、188bet online live casino agencies and large number of users，During the transaction process, the buyer’s consumer borrowing needs and the supplier’s financing needs can be obtained at the same time (similar to Alibaba’s Taobao loans)。

For example，The upstream is connected to countless small and medium-sized ground transportation companies，These local travel agencies require a large amount of cash flow to complete the rollover of funds during their operations，But their profits are lower，Light proportion of fixed assets，Lack of real estate that can be used as collateral，Financing ability is limited by the smaller company size and low credit level，Difficulty meeting the lending requirements of 188bet online live casino institutions，Business development is limited by the scale of capital flow。Tuniu has had frequent business cooperation with local travel agencies，Can its credit status、Have a relatively objective and true understanding of the business volume，Launch its own investment and financing matching services to these local agencies based on this information，Provide them with 188bet online live casino support to implement innovative products，Help excellent travel products,Ground service for development、Realizing excellent product ideas，Become the capital entrance for the entire industry chain，These are the places where supply chain finance can give full play in the future。

In summary，Tuniu focuses on its main business，Promote the common development of the entire tourism industry chain through 188bet online live casino instruments，Enhance business fit with partners；simultaneously，Improve the monetization ability of main business，Open up new revenue sources，Achieve diversified development in the fiercely competitive tourism market，Will enhance differentiated competitiveness and risk resistance。

Third, the 188bet online live casino O2O ecosystem is taking shape

With the development of tourism O2O，Information flow、Service flow and capital flow jointly form a tourism closed loop in the ecosystem，Information flow，Mobile Internet access before traveling、In line、Post-row data is possible，Big data analysis can help profile users，Carry out precision marketing；Service flow aspect，Companies begin to provide consumers with itinerary planning、Visa、Destination Services、Consumer Loan、188bet online live casino Management、Outbound finance and other package services；Fund flow,Enterprises can develop 188bet online live casino services for B-side or C-side，Building a 188bet online live casino product supermarket，Connect investment and financing。

Relying on Tuniu’s travel services，Integrate fund management and tourism consumption in a scenario-based manner，Building an Internet 188bet online live casino Supermarket Platform，Monetize platform traffic and massive user big data，Travel and 188bet online live casino management are both high-priced categories，Through the integration of ‘tourism + finance’ scenarios，Tuniu 188bet online live casino will increase customer stickiness，Promote repeat consumption by customers，Create long-term value for customers。

For example，Users subscribe for fund products on Tuniu 188bet online live casino Services platform，In addition to being able to obtain the same income and asset appreciation as general funds，When the user chooses Tuniu Travel，Fund assets can also be used as a deposit for outbound travel、Used as proof of assets when applying for visa, etc.。

How far can “188bet online live casino + finance” go?

Nowadays, the strong wind of Internet finance has blown into the tourism field，More and more tourism companies，In particular, OTA companies have launched various 188bet online live casino products on their own platforms，Someone is worried about whether the rights and interests of users who purchase 188bet online live casino products can be protected？Secondly，Tourism companies enter fund sales，As a latecomer，Compared to Tiantian Fund Network, which was launched earlier after obtaining independent fund sales qualification、Ant Jubao and Lufax，These three companies are far ahead in terms of product quantity and market size，How far can tourism finance go？

Considering the current fiercely competitive market situation，This kind of worry is not unreasonable。But Zhihui Travel checked relevant information and learned that it was as early as March 2013，To promote fund sales institutions to carry out online fund sales 188bet online live casino through third-party e-commerce platforms，The China Securities Regulatory Commission formulated and issued the "Interim Provisions on the 188bet online live casino Management of Securities Investment Fund Sales Institutions through Third-Party E-Commerce Platforms"，Clarified the relevant specifications for fund sales agencies to conduct fund sales 188bet online live casino through third-party e-commerce platforms，And corresponding regulations have been made on the qualification conditions and 188bet online live casino boundaries of third-party e-commerce platforms engaged in this type of 188bet online live casino。

Without obtaining an Internet fund sales license，The China Securities Regulatory Commission has no objection to institutions that operate third-party e-commerce platforms to provide auxiliary services to fund sales institutions and submit reports and have no objections after review，Stated by the China Securities Regulatory Commission spokesperson，Relevant laws, regulations and mechanisms for the supervision of fund sales 188bet online live casino have been basically established and improved，Investors’ rights and interests can be effectively protected。Internet fund sales are a type of fund sales 188bet online live casino，Existing fund sales 188bet online live casino specifications should be followed，The China Securities Regulatory Commission will supervise and regulate it in accordance with the existing laws and regulations governing the fund sales 188bet online live casino。

In other words, in terms of policies and regulations，Not just an OTA company，All 188bet online live casino companies conducting 188bet online live casino finance-related businesses are subject to supervision by the China Securities Regulatory Commission。

From the current point of view，Internet company doing finance，The business logic of each company is different，When Internet companies carrying out 188bet online live casino business choose business entry points，There are three main considerations。These three ideas determine the different roles that finance plays in their business systems。

First, obtain direct income from the 188bet online live casino business itself，We call this “yield enhancement”。

The characteristic is the use of Internet resources to carry out 188bet online live casino business and obtain profits，New 188bet online live casino products may not be highly relevant to the company’s original business。The most typical one is to use Internet channels to sell 188bet online live casino products，Provide auxiliary services such as traffic import，Taobao Finance is a typical example。

Income-enhanced business is essentially the realization of Internet company resources，The original business ability is strong enough to support the 188bet online live casino business well。But the other way around，It is difficult for 188bet online live casino business to provide synergy to the original business。Business logic is simple and direct，But it’s difficult to achieve 1+12。

The second is "Business Enhancement"。The characteristic is that the income of 188bet online live casino business itself is not the most important goal，The key is to enhance the profitability of the original business system by providing 188bet online live casino services。

For example, online consumer credit、Instalment payment。Tuniu Bao Guarantee launched by Tuniu for personal 188bet online live casino services、Cattle installment；"Little Donkey Installment" launched by Donkey Mama；“Take the flowers” ​​from Qunar.com, etc.。

Business-enhancing products can directly promote current business expansion，The key is to find the convergence point between the "tool" characteristics of finance and the original business，That is, the usage scenario of 188bet online live casino products。In addition to consumer credit that has been widely used，An example you can also refer to is the use of equity crowdfunding to expand capital，Rapidly expand business scale。For example, Wanda’s “Sure Earn No. 1” uses equity crowdfunding to develop a new Wanda Plaza，Solved the funding problem that limited the expansion speed of real estate companies。

The third is "ecological enhancement"。This type of 188bet online live casino business is forward-looking to a certain extent、Strategic，Enterprises pay more attention to their future value in the ecosystem。

This type of business is either a basic resource within the ecosystem，Other businesses can be derived based on them，For example, the credit reporting of Alibaba and Tencent。Or it can be coordinated with other businesses，Get new big market opportunities，For example, Tuniu’s factoring business for corporate customers、Corporate 188bet online live casino management；Niu exchange-foreign currency exchange for outbound travel users、Shopping tax refund。These 188bet online live casino services will have a good auxiliary development effect on their main business，Obvious ecological value。Ecologically enhanced business has the most room for imagination，It is also the field that can produce the most systematic innovation。A good layout may change the company’s position in the original market，For example, there are more things to talk about in the capital market。

Summary

Homogenization of tourism products、Price wars come and go、Business profit is meager，But the upstream and downstream industry chain has abundant cash flow，In this case, tourism O2O companies try 188bet online live casino services，Coordinated development with the main business，Diversified management，Nothing to complain about，But whether it is 188bet online live casino product innovation、Risk Control、Fund operation，The tourism industry does not have many advantages at all，The crisis caused by the “e-road peer” platform that broke out a few days ago and uses “e-Pay” to keep and transfer funds to both parties to the transaction deserves the industry’s vigilance，The tourism industry should take a warning。Tourism O2O companies should still focus on their main business，Focus on improving products and services，Wading Finance，Many risks，Especially in the current 188bet online live casino environment，Be cautious。

Author of this article: Liu Zhaohui；Founder of Zhihui 188bet online live casino；WeChat public account "Liu Zhaohui"，Personal WeChat ID: liuzhao-hui；Wang Yanchao，Zhihui 188bet online live casino expert author；Personal WeChat: wangdayan110;Welcome to follow，Please indicate when adding，[name+unit+position]，Convenient remarks，Thank you very much for your support！