What are the five new things proposed by Jack Ma?
马云定义的“五新”，指的是新零售、新金融、新制造、新技术、新能源。事实上，新金融对社会和生活的影响，已经有了很明显的体现。
当下有一种流行的说法，称“高铁、支付宝、共享单车和网购”为中国的新四大发明。在中国留学的罗马尼亚学生 Peter也出现在了新四大发明的调查视频中，也就前面提到的检查钱包事件视频的拍摄者。
Peter回忆，刚来中国时，一次陪朋友出行忘了带钱包，只好由对方买单。让他很惊讶的是，一整天吃喝玩乐下来，都没看到对方拿出钱包。面对Peter的震惊和疑惑，朋友把支付宝介绍给了他，从此Peter就迷上了移动支付：太方便了，吃饭、打车、买电影票、买火车票，都可以做到。
现在他一心想去蚂蚁金服工作，在罗马尼亚推广移动支付技术。
另一位在网商大会新金融论坛发言的用户沈钧亮，则是蚂蚁森林的重度用户。
原本体重超标的沈钧亮，在跑步减肥的过程中发现了蚂蚁森林这个产品。不到一年的时间里，他减掉了70斤，用产生的能量在内蒙古阿拉善种下了6棵梭梭树。为了准时收能量，以前晚睡晚起的沈钧亮还养成了每天7点自然醒的生物钟。
和沈钧亮相似的人还有很多。上线一年，蚂蚁森林已经成为全球最大的个人C端用户端碳帐户的平台，仅中国就有2亿多用户开通了蚂蚁森林。
如今的支付宝，更接近于一个生活服务平台。包括吃喝住行、生活缴费、信贷服务等几乎所有与生活有关的事情，都可以在支付宝上找到解决方案。
更平等、善意的新金融体系
便捷性的渗透是新金融的第一步。新金融更大的使命，在于真正落实金融的普惠性。
在网商大会上的发言中，井贤栋重复了他曾说过的一句话，叫“做穷人是很贵的”。传统金融几乎严格遵守二八法则，80%的利润来自20%的头部客户，有钱的人可以得到最好的服务，急需要服务的普通人则被高门槛排除在外。
在他看来，新金融要做的事情，就是以合适的价格，让每个个体得到需要的服务。这个目标得以实现的机会，在于技术进步所带来的金融体系重构：移动互联网、云计算、人工智能，正在形成一个所谓的新金融体系。
Professional answer
The "five new things" defined by Jack Ma refer to new retail, new finance, new manufacturing, new technology, and new energy. In fact, the impact of new finance on society and life has already been clearly reflected.
There is a popular saying nowadays that "high-speed rail, Alipay, shared bicycles and online shopping" are China's new four great inventions. Peter, a Romanian student studying in China, also appeared in the investigation video of the new four great inventions, and was the person who filmed the wallet inspection incident mentioned above.
Peter recalled that when he first came to China, he forgot to bring his wallet when he was traveling with a friend, so the other party had to pay the bill. What surprised him was that after a whole day of eating, drinking and having fun, he didn't see the other party take out his wallet. Faced with Peter's shock and confusion, his friend introduced Alipay to him, and since then Peter has been fascinated by mobile payment: it is too convenient, you can eat, take a taxi, buy movie tickets, and buy train tickets.
Now he wants to work at Ant Financial and promote mobile payment technology in Romania.
Another user, Shen Junliang, who spoke at the New Finance Forum of the Internet Business Conference, is a heavy user of Ant Forest.
Shen Junliang, who was originally overweight, discovered the product Ant Forest while running to lose weight. In less than a year, he lost 70 kilograms and used the energy generated to plant 6 Haloxylon ammodendron trees in Alxa, Inner Mongolia. In order to collect energy on time, Shen Junliang, who used to sleep late and get up late, also developed a biological clock to wake up naturally at 7 o'clock every day.
There are many people like Shen Junliang. One year after its launch, Ant Forest has become the world's largest platform for personal C-end user carbon accounts, with more than 200 million users in China alone opening Ant Forest.
Today's Alipay is closer to a life service platform. Almost all things related to life, including food, accommodation, transportation, life payment, credit services, etc., can be found on Alipay.
A new financial system with more equality and kindness
The penetration of convenience is the first step of new finance. The greater mission of new finance is to truly implement the inclusiveness of finance.
In his speech at the Internet Business Conference, Jing Xiandong repeated a sentence he once said, "It is very expensive to be poor." Traditional finance almost strictly abides by the 80/20 rule, with 80% of profits coming from 20% of the top customers. Rich people can get the best services, while ordinary people who are in urgent need of services are excluded by high barriers.
In his view, what new finance needs to do is to allow each individual to get the services they need at a suitable price. The opportunity to achieve this goal lies in the reconstruction of the financial system brought about by technological progress: mobile Internet, cloud computing, and artificial intelligence are forming a so-called new financial system.
The five new things proposed by Jack Ma refer to new energy, new agriculture, new materials, new economy and new services.
New energy: refers to the development and utilization of renewable energy.
New agriculture: refers to improving farmers' employment opportunities and income.
New materials: improving the utilization efficiency of resource materials.
New economy: the combination of traditional economy and the Internet.
New service: a brand-new service and business model.
In 2016, Jack Ma proposed the "five new things", namely new retail, new finance, new energy, new technology and new manufacturing.
New retail is affecting all walks of life with the momentum of mushrooms after rain, new finance is changing people's lives, big data as a new energy has become an indispensable and important asset for enterprises, and cloud computing and artificial intelligence are rapidly landing in various industries. New manufacturing integrates new technologies and can directly connect to the new manufacturing model of new retail and even new finance.
New manufacturing will redefine manufacturing, redefine customer markets, redefine supply chains, and redefine all manufacturing and business operations and services. New manufacturing is a technological revolution. The new standard for defining new manufacturing in the future lies in on-demand customization, personalization and intelligence. What drives the future manufacturing industry is data. Big data is the means of production, and cloud computing is productivity.
In the mutually integrated super business entity, manufacturing, sales, finance, technology, and energy are all melted into one furnace. New manufacturers have already created a unique new economic model. Under this new model, the front-end and back-end of the enterprise are integrated, production and sales are integrated, financial consumption is integrated, and overall operation is media-based. All aspects of the enterprise's operation are integrated into an organic whole.
New manufacturing has created a new model under the new production rules. What is important is that under the new model, each new manufacturer in the future can derive its own new industrial ecology. From the perspective of the "Five New", cloud computing, big data, artificial intelligence, VR, mobile Internet and Internet of Things related technologies used in new retail and new finance are all creating conditions for the "Five New".
Five New
The strategy proposed by Jack Ma at the Yunqi Conference
The "Five New" refers to new retail, new finance, new manufacturing, new technology, and new energy.
In October 2016, Jack Ma first proposed the "Five New" strategy at the Yunqi Conference. He believes that in the next 30 years, the development of the "Five New" will profoundly affect the future of China, the world and everyone.
There is a popular saying nowadays that "high-speed rail, Alipay, shared bicycles and online shopping" are China's new four great inventions.
The "Five New" strategy was first proposed by Jack Ma at the Yunqi Conference in October 2016, referring to new retail, new finance, new manufacturing, new technology and new energy: the retail industry will present a new format of online and offline integration, and combine with smart logistics to produce new retail; traditional B2C manufacturing will completely turn to intelligent, personalized and customized C2B new manufacturing; new finance is a credit system based on data to produce real inclusive finance, which will bring benefits to all entrepreneurs, young people and small businesses; endless new technologies will be born based on the Internet and big data, changing all aspects of human production and life; and data will replace oil, coal and electricity, becoming a new energy source for technological development and production innovation.
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