A number of banks to create their own electric business platform, the future of how to become the industry focus on the topic

Absrtact: 2012, the total scale of China's E-commerce market has exceeded 10 trillion yuan, a number of banks have rushed to promote the Internet joint financial in-depth products, recently, Huaxia Bank has joined this camp, launched the platform financial business model. Reporter learned that small micro-enterprises

2012, the total size of China's E-commerce market has exceeded 10 trillion yuan, a number of banks have rushed to promote the Internet joint financial in-depth products, recently, Huaxia Bank has joined this camp, launched the "Platform finance" business model.

Reporter learned that small micro-enterprise customers have become the important position of the bank for competition, but in this process, there are insiders believe that the bank to build a platform for electricity is actually "burning money" business, at present many of the construction of the electric business platform of the banks are in the state of loss of money. In the future, the charging mode and business development of the bank's electric business are becoming more and more concerned in the industry.

Several banks to create their own electric business platform:

Bank of Communications: Early launched a set of enterprise Pavilion, Commodity Museum, collection and pay museum and the financial museum in one of the "exchange" to provide online shopping, financial management, financing and other banking services.

Construction Bank: Since the establishment of the electric business platform, that is, the number of merchants to achieve more than million, turnover exceeded 3.5 billion yuan, financing close to 1 billion yuan scale.

CITIC Bank: The establishment of the "internet Banking department", hoping to be integrated into the company and retail electronic banking business, and the platform to establish a more extensive cooperation with the electrical business.

Huaxia Bank: Recently launched the "Platform finance" business model.

In the banks have to create their own E-commerce platform, Huaxia Bank SME Credit Department general manager Lu Xiaoqun said: "At present, the electric Business Bank, the bank also in the electronic business, in addition to the bank products online, banking services are also expanding, because many times to see the company's report is static, to the banking services to raise greater challenges. ”

In addition, the current most concern is that many banks are far from being profitable, at the same time, the initial business needs in the system platform, hardware and software, personnel training, marketing team building, branding and other aspects of a large number of inputs. Although in various occasions, a number of banks on the distribution of electricity dealers how much money to avoid, but the industry expects that the relevant construction is a burning money. Prior to a state-owned large branch of the electronic Banking department responsible for the media said, "For 1000 clients, the bank may lose 100,000 yuan, the service 10,000 customers lose 1 million yuan, the service 100,000 customers lose 10 million yuan, but when the service to 1 million customers, the bank may not lose money. "However, if the service to 10 million customers, it is difficult to make money, so although a number of banks have begun to test water related business, but many banks are still on the sidelines."

The issue of commission is the crux of development

According to a bank of the electronic Banking Department of the relevant responsible person, the bank to do the electricity dealers value the trade chain financial opportunities, not just in the money to earn merchants, "increase the stickiness of the settled business transactions, but also to some extent, the flow of funds in the meantime can provide reference data for banks, Banks can provide customers with personalized financial services based on relevant data, develop network banking, and play the advantage of banking line.

In order to compete for customers, in the beginning of investment, the construction Bank of the good and financial platform to launch a series of preferential measures, including platform-free fee, free of charge, technical maintenance-free fees, free transaction commission fees. On the one hand, the use of this method to gather popularity, on the other hand, this fee-less measures to "burn money" of the bank's business to bring the intangible pressure.

Reporter learned that many of the bank's electric platform said it would not carry out the transitional charges, in addition to the bank will be divided into the low threshold of standards, but also the industry has raised worries: in the future, if blindly focus on the Commission, did not set the goal of a single industry in the world-level futures market construction, will be very unfavorable to the future development of the bank's electric business.

"Banks can not always have no charge, but the development of bank-related system construction is a big investment, so the future how to avoid this aspect of conflict and contradictions, but also to watch the change." Mr Xu, a senior person in a banking industry in Guangdong, told reporters.

Question：

How is the wind control of the electricity business loan?

Compared with traditional credit advantages, the wind-control problem of loan mode provided by the electric business platform has become the object of concern and questioning in the industry. In this regard, insiders believe that, in fact, the advantages of network credit is that, that is, the wind control part of the outsourcing, in addition to the audit in advance, in fact, is greatly improved the efficiency of the banking business, but also effectively undertook the first review of the function of loans, not only to save costs, but also across the limits of bank business hours.