Although still only the smoke and mirrors, still in the Minsheng electric business has let the industry trigger multiple speculation

Although still only the smoke and mirrors, but also in the preparatory period of the Minsheng Electronic Commerce Limited Liability company (hereinafter referred to as "Minsheng Electric Business") has let the industry to trigger multiple speculations. A person familiar with the matter told the China Business News reporter that Yin Long, deputy director of the CBRC's Innovation and Supervision department, was expected to serve as general manager of the company.

However, the People's Bank of Minsheng has denied that the "led by the People's Livelihood Bank" has previously been said by the media.

"Minsheng has not registered, and Minsheng Bank has no equity relationship." August 7, Minsheng Bank related people told reporters.

However, as the word "People's livelihood", in the recruitment notice also clearly put forward "the use of Minsheng Bank's huge small and medium-sized micro-customer size and strong customer relationship base" "Play in the information flow, capital flow, logistics and Minsheng Bank complementarity and synergy," and so on, still give the outside world a lot of imagination space.

Last year Minsheng Bank chairman Dong Wenpei said that the next 5 years to build a team of 5000 people to promote the accelerated development of E-commerce Bank. Then is this birth of the Minsheng electric business is only Dong Wenpei envisaged "e-commerce Bank" The big frame of a move?

"A lot of banks now have the risk of playing a borderline, a lot of business is the market first and Jinlin," Oriental Securities Bank analyst analysis, the current bank of the size of the electric quotient may have a regulatory potential, compared to, "Minsheng Bank is the choice of circuitous route, not only played down the role of banks in the , and if the CBRC officials can take part, the problem of compliance can be thoroughly resolved. ”

Minsheng Bank roundabout Touch "electricity"?

In the dotcom boom, the combination of banks and electricity dealers is destined to spark a collision.

This is no wonder, July 8 appeared in the Minsheng banking official online A job posting will cause such a wide range of attention.

It is reported that Minsheng is about to register in Shenzhen before the sea, the company's founder of the Minsheng Bank of seven major non-state shareholders and Minsheng Silver Asset Management Co., Ltd., the recognition of 3 billion yuan in capital.

Data show that the company's founder of the Minsheng Bank of China's seven major non-state shareholder units and Minsheng Asset Management Co. The seven companies are responsible for Dong Wenpei, Liu, Guo, Shi Yuzhu, Lu Zhiqiang, Hongwei and so on.

But in contrast to the anecdotal debate, the parties are tight-lipped, and Minsheng's attitude is "specious", not only on many occasions that it has nothing to do with the people's livelihood in addition to shareholder relations, and is unwilling to comment on the matter.

"At the outset, the use of Minsheng Bank's client resources to improve the attention of the recruitment notices, so only hanging on the official web." In this respect, the people's bank insiders explain.

Industry analysis, the specious attitude of Minsheng Bank, perhaps mapped out the bank of E-commerce "Smoke and Mirrors" psychology: On the one hand, E-commerce yearn, but there is no suitable mode to cut, but also out of the "Commercial Bank Law" fear of psychology, afraid to step on the red line. The Commercial Bank Act expressly stipulates that banks are not allowed to invest in non-financial institutions and enterprises.

Although it is difficult to confirm whether Minsheng Bank has the above concerns, but the flexible and changeable Minsheng Bank's vision and calculation of E-commerce has already. As early as last July, Dong Wenpei in the Harvard Business Review Chinese New issue celebration, said that the next 5-7 years, the E-commerce banking market will be very strong, and E-commerce Bank is a big loss to China's banking sector, so must be in this regard a big determination to improve the solution. Dong Wenpei that without such a vision, 5-7 years from now, the survival of small banks will be a big challenge.

After that, Minsheng Bank is also actively engaged in cooperation with e-commerce companies. Last October, Minsheng Bank and HC Network jointly issued the People's livelihood-HC new E-generation joint credit card, for small micro-enterprises on the network credit accumulated on the basis of the launch of unsecured, security-free, flexible billing microcredit products.

This July 30, Minsheng Bank in the field of mobile electric business, a son, Minsheng Guangzhou branch and mobile electric business Guangzhou flash start strategic cooperation, the launch of "livelihood shopping." It is understood that "Minsheng shopping platform will be based on mobile technology to extend the company's sales channels, at the same time, the flash media to achieve the brand communication function anytime, so that all products become advertising platform, become a ubiquitous information platform for enterprises; In addition, the platform also provides consumers with 24-hour online mobile mall, Online purchase offline experience O2O mode and service, as well as fast and convenient financial product on-line service.

In the same period, Minsheng Bank Beijing Management Department also built a "small micro-city", through the release of high-quality small micro merchant service and commodity information, promotional activities, attract employees to participate in trade, brand promotion, inline transaction, for the Minsheng Bank small micro-customers to provide high value-added non-financial services. Minsheng Bank's approach is similar to the E-commerce platform of CCB. Good and financial business at the beginning of the formal launch, but also in the internal trial run for a year, with the help of internal staff to test the security and maturity of the system.

"The future business synergy between banks and bank dealers is certain, but it depends on the overall strategy of the bank to see which business is consumer finance or supply chain finance." "Jinlin said.

Three kinds of Mode PK: self-built, access, independent electric business

"In the context of the spread of banks and the Pan-finance, cross-border electricity dealers are also a necessary choice for the transformation of banks." Shang, a pseudonym of the relevant head of the electronic Banking Department of a state-owned bank, believes that this direction is certain, but there is no fixed pattern or path to follow.

Many of the electronic banking industry interviewed by reporters said that the enthusiasm of the banks ' cross-border electricity dealers was more than enough, but inexperienced. Every bank is stones.

For now, the first test of the water bank is mainly the use of two models, one for the self-built E-commerce platform, such as communications Bank of the exchange, and the construction Bank of the "good business", the bank's electronic banking sector led the establishment of trading platform, the introduction of business-to-business and business operators, while providing financing, Payment and settlement of integrated financial services.

At the same time, with Huaxia Bank as the representative of the bank and the major E-commerce platform cooperation, and with the latter's trading system to achieve docking, to obtain the transaction both real and effective data, on this basis for the enterprise to achieve online financing, cash management, Cross-border payments, capital settlement, capital supervision five major functions.

As a new financial service means of banks, both of these models have gained great development in the short term. As at the end of June, the introduction of a year of "good and business" registered membership has exceeded 1.5 million, turnover close to tens of billions of dollars, financing scale reached billions of yuan, and Huaxia Bank SME Credit Department general manager Lu Xiaoqun to reporters that this 1 ~ July, the platform finance accumulated loans over million pens, each household 210,000 yuan.

By contrast, the latter pattern has an obvious short plate. The main difference between building and not building is the control of the channel. "A joint-stock bank related business leaders to reporters.

Under the model of building the mall, banks have absolute control over the trading data on the platform, and in the big data age more data means more business extension possibilities, but in contrast, greater discourse power requires greater input.

Bong, vice president of CCB, had previously said in an interview that all innovative business needs such a cycle: research and development stage, pilot promotion stage, then can grow to a high growth stage, and finally to mature stage. Often to the latter two stages, will really make money. Customers based on good business platform to send a large number of financial services, but also need a process, the initial period must have the human and material input.

The first is the investment of funds, "the electric business platform itself is to burn money, especially the bank as a post, the cost of investment is doubled." "Pay the fertility show.

The second is the investment of time, connecting to a large enterprise needs both financial information, transaction information and other information sharing and system docking, "long time communication, technical cooperation on the time is also time-consuming." "A business person at CCB Electronic Bank said.

In addition, under the model of the banks ' construction of the electric business platform, they will face a series of after-sale and logistics problems, which are new issues for banks.

"Self-builders need a deep involvement of the banks in E-commerce, this does result in more slowly, but the effect will be better, because the Internet financial ecology, the customer's business behavior and financing mode will change, the bank after the Cross-border electricity business, the first effect will be reflected in the financing, the future greater business opportunities are data mining and so on. "The head of an electronic bank, a branch of CCB, said, for example, that there was no problem with a customer's financial information, but the bank found something unusual from its tariff payment data, thereby excluding the bank's potential risks.

By contrast, in the "cooperation" mode, the bank can realize the efficient and fast docking with the existing platform, "short, flat, fast" to achieve the bank's electronic business, but lack of sufficient control of the platform and the right to speak, therefore, some bankers also pointed out that the acquisition of some electric companies do not rule out-but this violates the current regulations.

The establishment of Minsheng electric trader has undoubtedly led to the expectation of the third mode of the bank's electric quotient. In the view of pay, this is like indirectly set up a business company, do business and do not interfere with banks, but in a common shareholder background can better achieve synergy.

"But the question is whether the co-ordination between the two can achieve the best interests of the bank's main business, because the company also has a profit appeal." "Pay the fertility show.

Banking cross-border is the overall strategic extension

"In the competition of Internet finance, the finance of Internet enterprise will not bring too great business pressure to the bank, but the subversion to the channel and the mode of delivery is the biggest challenge to the bank, so each bank is also building its own platform and holding the Channel initiative first." "said Zenggang, director of the Banking Research Institute of the Chinese Academy of Social Sciences.

As a result, the hesitation in the choice of models does not prevent banks from investing in this area, whether they are big banks or small and medium-sized banks. CITIC Bank set up an internet bank last year mainly for E-commerce, mobile payment and network loans will focus on breakthroughs; At the just concluded 2013-year working meeting, ICBC chairman Jiang Jianqing said ICBC will accelerate the construction of online shopping, investment banking, network financing, consumer credit in one, "Pay + financing" the integrated E-commerce platform; BoC has also said that E-commerce cloud services, O2O service model (online business promotion), mobile E-commerce Solutions, the Electronic business community platform and online financing platform services will be the future of the Chinese Bank of the power of the focus.

"Now the direction of the bank to do the electronic business is consistent, but the starting point is different, the path chosen, the final effect will be different." "Pay the fertility show. But the important point is that the banks do a lot of cross-border e-commerce, so need to do what they can. "In the short term, the model of the non-self-built platform is relatively low, in the model is not clear, small and medium-sized banks to choose indirect access, is a more sensible choice." ”

Jinlin also said: "For small banks, the platform is not only invested too much, but also limited by its own resources endowment, platform flow and scale are not very ideal." "At the same time, Jinlin also believe that some banks with a group background, you can refer to the model of Minsheng, such as Citic Group, Everbright Group under the establishment of E-commerce companies, the group's internal securities, trusts and other financial institutions can be docked."

Zenggang stressed that in the increasingly hot Internet financial environment, the banks of the electricity business impulse is more need to cold treatment, and not blindly follow suit.

"One is Gaofu, one is very fierce competition in the electric business industry, Internet enterprises and banks, the nature of the completely different, its wind control management is not the same, in this case, the banks in the Cross-border also have different positioning, all-inclusive may not be good." Zenggang said that the banks should determine whether the electronic business with their own capabilities and resources to match, and take advantage of existing business as a breakthrough, first of all, the integration of internal resources.

Taking the Minsheng electric business as an example, Jinlin judged that the future Minsheng Bank would be difficult to break through the exploration of consumer finance, while the Minsheng Bank would be able to play a greater synergy in the small micro finance and industrial chain finance. "Because the former retail customer base does not prevail, so Minsheng electric power to carry out ' class Taobao ' platform advantage is not big." ”

This is also the bank in the process of electronic business should pay special attention to. CMB Credit Card Center General manager Liu Gallong earlier pointed out that the bank will not do Taobao-type electric dealers, merchants Bank only to do standardized electrical products, only to do with the main business highly related to the electrical business. For example, the main push of China Merchants Bank "travel Easy" is a kind of ctrip, which involves travel services and the business card has a high degree of adhesion.

"Banking is not a simple diversification, it should be an extension of the overall strategy." "Jinlin said.