E-commerce into the financial

Securities Times reporter Ma Lingling

Those who are supposed to sell their products are ambitious. Yesterday Suning cloud business crowdsourcing plans to show appearance, July 1 Jingdong crowdfunding business appearance, a few days ago, the only product will also cut into the supply chain finance. E-commerce giants are also consolidating the main business at the same time, have a beachhead layout incubation platform and the financial sector.

Create incubator platform

Yesterday, Suning launched a long-awaited crowdsourcing project. It is understood that the project is actually Suning O2O channel as the core, crowdsourcing resources integration incubator platform. In this platform, Suning is mainly played the role of sales and service channels.

It is understood that Suning crowdsourcing has begun to try in 2008, after the main business for the channel underwriting, is the C2B business attempt. Electricity experts Lu Zhen Wang believes that Suning choose to launch high-profile crowdsourced project, do not rule out the face to face competition with the Jingdong.

July 1, Jingdong launched a crowdfunding business, "Cohesion." Cohesion mainly for crowdfunding products, is a project incubation platform, users can participate in crowdfunding project production, pricing and other sectors.

Jinlin, head of Jingdong financial crowdfunding business, introduced the crowdfunding focused on smart hardware and popular culture in both areas. Jingdong has sales advantages in the fields of 3C, IT, audio-visual and books, etc. These customer groups will be injected into the crowdfunding Business in the two sections of intelligent hardware and popular culture.

For Suning and Jingdong this battle hatching platform, China E-commerce Research Center Internet Finance Assistant analyst Qian Haili that the current B2C area is large, while the C2B area is yet to be developed, both platforms conducive to the electricity supplier to optimize the industrial chain And integrate the supply chain. At the same time, 3C products, high demand for personalized, crowdsourcing, crowdfunding can attract young people, enhance user activity.

According to reports, Jingdong crowdfunding focuses on product crowdfunding and sales, while Suning crowdsourcing focuses on solutions for crowdsourcing services across the entire industry chain, creativity, works, products, goods and supplies.

In fact, Alibaba has already taken the first step toward building a platform. It is understood that Alibaba platform to build more focused on the cultural business, in March this year, Alibaba Entertainment Po on the line. In the second phase of Ali Entertainment Bao concluded in June this year, it set a record of 92 million yuan financing for Chinese films in less than 100 hours.

Beach financial business

In fact, apart from the innovative launch of incubators, the ambitions of the e-commerce players in the financial arena are well known. Recently, the electricity supplier rookie Vipshop will also start to wade the financial sector.

According to report, only a few days ago, the only product will have approval of the Guangdong Provincial Financial Office, a small loan company's license, the only product will be micro-credit company general manager Ni Huiping revealed that the only product is expected mid-month can be officially started Small loan business.

Chen Feifei, associate director of Vipshop, said in an interview with reporters: "At present, Vipshop's small loan companies mainly provide services to suppliers with demand, which is not the focus of our business at present, and the related business only makes use of the Vipshop Healthy and sustainable cash flow, to provide financial services to suppliers in need, other related businesses will be carried out after the words. "

In fact, from the beginning of Alibaba's launch of Yu Bao in June last year, it has triggered a financial war between e-commerce providers. At present, Ali Financial has set up two small loan companies. According to Ali data, as of the end of 2013, Alibaba had a total of 642 loan customers and a total amount of 172.2 billion yuan.

The launch of the stake in the Jingdong crowdfunding project, it is also Jingdong Finance's fifth largest plate business, Jingdong crowdfunding platform on the line will improve the business chain of Jingdong Finance. In addition, Suning as early as the end of 2012 to set up a small loan company layout financial services, and launched in January this year, Qian Qibao beachhead financial management. Suning said the company will create an overall financial service system and provide financial support for the online and offline integration of Suning Appliance and Suning Tesco.

For the financial enthusiasm of the e-commerce providers, Qian Haili believes that such products as E-Commerce bring information flow and capital flow to e-commerce providers. At present, e-commerce companies attach great importance to big data analysis. In this situation, e-commerce and financial integration are the future Trend.