The state-owned bank has steadily promoted the Internet financial strategy, and the electric business platform Chengzu Focus

The increasingly hot internet finance has become an important indicator of concern in the industry. From the development of the banks, the state-owned enterprises in the Internet finance strategy is steadily advancing, the electric business platform becomes the focus of the big line.

BOC prepares "BOC easy Business"

"Bank of China is preparing for ' BOC ', which will become an important brand for BOC's internet banking. Wang, vice president of BOC, said in a previous interim results conference that he revealed that BOC will also unveil other measures to deal with internet finance this year.

Wang said that the current Internet financial technology can be too fungible, if the old technology is overturned, investment will be affected. In addition, most of the electricity Shangdou to price war, with the model to attract customers, so BOC will not blindly enter the market, need to do a full research and preparation. Wang said, is registering "BoC Yi Shang" brand, hope this year will launch a variety of internet banking products.

From the first half of the five major banks in electronic banking results, the first half of the Agricultural bank's electronic banking business income of 3.108 billion yuan, increased by 580 million yuan a year earlier, an increase of 22.9%; Construction Bank electronic banking revenue 2.807 billion yuan, an increase of 24.7%.

Workers, middle and three of banks did not disclose the electronic banking revenue data, but in terms of turnover, ICBC electronic bank turnover is far ahead of the first half, ICBC electronic banking business turnover exceeded 180 trillion yuan, an increase of 12.9% per cent, The proportion of the number of electronic banking business to the total number of business transactions increased by 2.2% to 77.3%; BOC Electronic bank turnover 50.86 trillion yuan, year-on-year growth of 24.47%, electronic banking business replacement rate of 77.22% , the transaction amount of electronic bank transactions amounted to 35.9 trillion yuan, the number of trading pens amounted to 749 million, and the electronic bank diversion rate reached 76.97%, which increased by 3.8% compared with the beginning of the year.

ICBC integrates "three flows"

Recently, some media reported that ICBC will be launched in September this year or October electric platform, as its response to the Internet financial measures, but also ICBC to build an information bank important steps. However, at ICBC's interim results conference, the bank's chairman, Jiang Jianqing, did not respond positively to the issue of the launch of the electricity business platform, he said: "We have any next product, then we will understand." ”

"If the bank doesn't change, we'll change the bank." "Alibaba founder Zengru is the ambition of his foray into internet finance.

In his view, this round of internet finance wave is from the bank customers trading end, E-commerce end, the Internet through E-commerce master a large number of customer information, and to use this information as a basis for the bank's financing and payment to the end of the march. For banks, there is a large number of customer financing information, including deposit information, payment information, "but we found that the bank customers of the flow of money, logistics and flow is sometimes fragmented." ”

According to Jiang Jianqing's assumption, ICBC will use the existing information base to integrate logistics, capital flow and information flow to create a new internet finance, "the bank is a changing industry, we will not wait for others to change us." ”

CCB last June launched a "good and financial business" platform, the industry is considered to be an important step into the internet finance. As of the end of June this year, "good and financial business" registered members of the number of breakthrough 1.5 million, the turnover of nearly tens of billions of dollars, financing scale reached billions of yuan. CCB Chairman Wang Hongzhang seems to be more bullish on the bank-sponsored Internet finance Initiative, he pointed out at the China Construction Bank's interim conference that the domestic financial innovation is dazzling, "banks do internet finance, more emphasis on risk control and process norms, in the banking and Internet functions closely together, banks go more down-to-earth, do more secure, Development will also be healthier. ”

In addition, AgBank and the bank have also promoted internet finance. This June, ABC set up the "Internet Financial Technology Innovation Laboratory" to explore and improve the Internet financial innovation mechanism to expand the Internet financial business of ABC. The related person in charge recently also said that the future depends on electronic network to conquer the city, enhance the electronic channel service experience, accelerate the innovation of mobile financial products, electronic diversion rate to improve as soon as possible.