The temptation of the electric commercial cake, the traditional banks compete for

Ma Yun once said: "If the bank does not change, then we change the bank." Nowadays, a "banking war" without gun smoke is spreading from the physical store to the Internet.

Following the news of Tencent's private banks, Alibaba last week signed a strategic cooperation framework agreement with Minsheng Bank. In the face of emerging internet finance, both traditional banks and Internet upstarts seem intent on joining the cake.

Traditional bank Taobao Open shop

After the "UnionPay incorporation plan" and the termination of the online POS business, Alibaba, an activist in the Internet financial field, seems to have found a new breakthrough by cooperating with the traditional banks.

Last week, Alibaba and Minsheng Bank to start strategic cooperation, Minsheng Bank will open a direct sales bank store Taobao, direct sales Bank electronic account system and Alipay account system will be exchanged. Although Ali's top brass has repeatedly expressed "no knowledge" about the "application of Internet banking licences", the latest round of cooperation has made it the first via to wade into the banking industry.

The direct selling bank is the European and American already more formed financial model, based on the Internet technology, the bank mainly provides the financial product service through the electronic channel, the entity dot. Minsheng Bank will launch the exclusive financial products for Alibaba's customer demand and the characteristics of Taobao users. Alibaba or its affiliated companies will use their own channels and resources to vigorously promote Minsheng Bank direct sales Bank development.

Industry insiders said that the main direct banking business based on Taobao platform, aimed at the "after", "the" customer base. In addition to the frequent movements of Alibaba, Tencent's application to open private banks in the news is also in the market between the heat. The State Administration of Industry and Commerce recently announced the enterprise name approval announcement, "Suning Bank Co., Ltd." in the list, internet finance gradually entered the "live ammunition."

A love-hate marriage.

It is understood that the banks involved in the Internet, the development is not smooth sailing. At the end of August, Societe Generale temporarily closed the industrial credit card online staging mall, was interpreted as the bank of the electric dealers suffered "labor pains." Compared with professional power providers, due to the lack of related technologies, weak supply chain management capabilities, limited user groups, some of the bank's electricity dealers into the "have to do, but do not get up" embarrassing situation.

In June this year, Hongzia, president of Minsheng Bank, told the media that Mr Ma was his biggest competitor, and that Ali's finance was a major challenge to the banking sector. Only three months later, the people's livelihood is the marriage of Ali, the industry as a traditional bank and the Internet deep cooperation of the new portal.

Wuhan banking industry senior Personage discloses, the construction bank had cooperated with Alibaba, try to use Internet enterprise to provide the electricity trader transaction data, better make loan decision, two even try to establish pure Internet bank, finally fruitless.

However, it is certain that in the penetration and game between the electricity merchant and the bank, the transformation speed of the future bank will be more and more fast. A financial source said with the opening of private banks, more enterprises to join the competition for Internet finance, the traditional banks themselves do not want to give up this piece of fat, you can imagine that most of the future banks will be "two legs", one side is the traditional civil tile, the other side is the internet finance, mobile finance.