The trend of deposit recurrence is expected to continue in the future

2014 Internet finance, has been in advance into the "horse" year. Ma Yun 250 billion balance treasure front foot just lead, horse's micro-credit management through the birth of a sniper, all kinds of "money Fund Treasure", "Peer-to-peer Network loan" prancing whip, steam.

The impact of Internet + finance on traditional finance is far from being measured by accurate data. But the central bank's latest data show that the month last December, RMB deposits increased by 1.15 trillion yuan, less than 445.8 billion yuan. "Considering the year-end deposit factor, it is expected that the actual deposit increase may be less," the securities report said. In the 3 years since the beginning of 2011, the share of demand deposits has fallen by 5%. The trend of deposit recurrence is expected to continue in the future. ”

The nerves of the "Shouji" can no longer relax. In order to prevent the "balance treasure" further erode demand deposits, banks began to "Master Yi Long technology to make Yi." January 16, Ping An group held in Shanghai, Ping An Internet financial strategy conference, 300,000 employees only "Ma one wallet" is to take. Contrary to the High-profile, January 12, the financial industry, "martial arts Supreme" ICBC low-key formal online "Rong E purchase" electric business platform.

New round of "Mouse plus bricks"

ICBC Chairman Jiang Jianqing has honoured his promise.

"The bank is a changing industry and we will not wait for others to change us," the helm of the financial aircraft carrier, which controls nearly 19 trillion yuan, said at the 2013.5 annual conference. 18 years ago, the bank by ' Internet + Bricks ' defeated the pure Internet bank, this time believe that rely on logistics, information flow and capital flow , we also create new Internet finance!

According to the assumption of Jiang Jianqing, ICBC online ICBC "Rong E purchase" platform, positioning in the "famous, famous, famous shop", organic integration of customers and merchants, organic link payment and financing, organic unified logistics, capital flow and information flow, playing a customer favorite consumer procurement platform, Merchants rely on sales promotion platform as well as the financial services platform of payment and financing integration.

"Huaxia Times" reporter learned that ICBC to build the logic of the electric business, originated from the chairman Jiang Jianqing on the internet financial long-term thinking. In his view, compared to 18 ago, relying on the "Mouse Plus bricks" (metaphor for internet banking and traditional banks) of the winning model, this time the Internet financial changes from the other end, from the bank customers trading end, E-commerce end, the Internet through E-commerce to master a large number of customer information, And to the bank on the basis of this information to the financing side and the payment end of the march.

This is another reminder to the bank, he said. Before the bank client has mastered a large number of customer financing information: deposit information, payment information, but for the bank customers a lot of business behavior, capital flow, logistics, information flow is fragmented.

"Rong E purchase" platform just make up for this gap, bringing together the digital home appliances, automobiles, financial products, clothing shoes and hats, food and beverage, jewelry and gifts, transportation and tourism, such as more than 10 major industries, tracking all aspects of bank customer business behavior. "As a bank of electricity business, Rong E shopping mall not only grasp the law and trend of e-commerce development, but also highlight the banking industry to pay flexibility, financing convenient financial services advantages." ”

"Banks do internet finance, do electricity business, is not to do and not to do the problem, but how to do, how to do the problem." This is a strategic choice, related to the future banking, and even the financial industry competition. "ICBC insiders said that the cross-border to do electricity, money is second, the most important thing is not in the process of financial off the media, the platform for the edge of the electronic business." Banks need to take control of the flow of money in economic business activities, or the banks may actually become the 21st century dinosaurs.

Working with the Internet ecology?

Up to now, BOC, CCB, Pudong, investment, livelihood, Societe Generale, and other 7 banks have opened their own electronic mall.

"At the outset, the construction Bank launched good and financial business, the industry believes that the CCB does not do, but good and financial business on the line 18-month turnover of up to 30 billion, which is enough to prove that the bank of the electrical business of thick fat." "The above ICBC people give a group of reporters a comparison of figures, 2012 Jingdong mall turnover of 60 billion yuan, Tencent (529, 16.50, 3.22%, real-time market) under the Xun net of the turnover of less than 10 billion yuan.

But in fact, the electricity trader has arrived at a tipping point and the detonation spot, 2013 Chinese electricity trader turnover exceed 10 trillion. In the competition of the entrance, the banking system has no advantage over the competition pattern.

In this connection, Wang, vice president of the Bank of China, has expressed concern that the current Internet finance, electric business, the common problem is to attract customers through the way of concessions. But a few years later, once the pattern has changed, it is also facing a lot of risk. "Test hydro-electric platform can not be blindly launched, to in-depth research, planning." ”

January 16, Wang said that the Bank of China is actively promoting network banking construction technology adhere to the "open platform + Smart terminal + Large data", in order to build a mobile service-oriented e-commerce as the core of the network bank, we should make use of the commercial platform, Cross-border integration, from the easy finance, pan finance, non-financial and finance.

In the face of reporters very concerned about the "BOC Easy commercial Platform when the launch"? Wang smiled, looked at the subordinates behind, said, "but also to ask our research doctor." ”

Will the future be competition, coexistence or cooperation? January 11, BOC Electronic Banking assistant general manager Dong Junfeng in Dispatch's "Banking Summit Forum" said that, from the entrance, the financial entrance looks like two, one is the bank's website, is to log in silver or mobile banking, enjoy the bank card of one-stop financial services. The other is a social portal like search, electricity, or micro-trust, which is a big traffic entry.

"Banks have a mission to subdivide their products after the appropriate deconstruction and reconstruction, and then organically embedded into the flow of very large internet just need to import, customers in chat, shopping, search time to complete the right to complete the financial services." "It is not possible to create an exclusive financial portal alone without working with the Internet, because finance is not a need for people on the internet," Dong Junfeng said.

In turn, it is a letter of invitation from the banking industry to the Internet. There is a long way to go in the future.