Bank "burning Money" online shop is another plot?

With the "Double 11" "Double 12" hot, the electric dealers not only obtained the traditional shop "envy" the performance, but also let "deep pockets" of the banks see opportunities and opportunities outside the "opportunity." At present, the industry, agriculture, China, construction, and other large commercial banks have been involved in the field of electrical business. Bank "burning Money" online shop, is the traditional "electric dealer" to compete for the market, or another "plot"?

What does a bank open an online shop to compete with those "entrenched" electric dealers? Strength！ This, consumers do feel. Latest financial News: 18, 19th, ICBC Online mall "Rong E shopping" for two consecutive days to launch the carnival. According to the introduction, ICBC has deliberately selected more than 2000 well-known brand merchants, more than 60,000 online goods, estimated to attract hundreds of millions of customers to participate.

"I used to shop Taobao, Beijing east on the comparison, and now found that a lot of merchandise on the bank shopping site cheaper." Beijing citizen Mr. Wang told reporters that he had a special look at a Taiwanese-style peanut-beef rolled sugar, the price of Jingdong is 38.9 yuan, and in ICBC "Rong E purchase" on the buy price of 28.8 yuan.

In the past, the banks had never thought of the electricity dealers. June 2012, the first bank of the electric business-CCB's "good business" was born, the same year, the "exchange of" on the line, "burned" a lot of money results are passable. "Good and melt business" that year accumulated transaction amount but 3 billion yuan, and Taobao and cat only the same year "double 11" on the crazy roll nearly 20 billion yuan, is really a little, but the momentum of the two-year development is very fierce, to the last half has accumulated to achieve a turnover of 47.8 billion yuan.

"Of course, compared with the industry's mainstream electricity dealers, whether it is the size of the merchant and the number of users, or the total amount of transactions and customer experience, the bank has a small gap in the electrical business." Shirongjian, general manager of ICBC's product innovation department, said, "Therefore, the banking Department must play the financial services field of expertise, make full use of the comprehensive advantages of banks, actively seize the external market."

Some people in the industry think that the bank "big guy" who used to make money is not earning a penny, doing electric quotient, lack of "gene". "But in fact, as long as the internet age to recognize the ecological environment and market development rules, change the concept of the so-called gene can depend on the banking system born." Shirongjian said, the most important thing is to change the concept, our business can not only stay at the level of money, to be more concerned about the customer itself. "The advantages of the bank to do electricity, can use a large customer base and a wealth of network resources, integration line, out of a unique ' to melt the lure of business, to promote the integration of" the development of a new road.

It is to seize the advantage, the bank of the electrical business has developed rapidly in recent years. April 2013 on the line of ABC "E Business Housekeeper", to the end of the year turnover amounted to 828 billion yuan. ICBC "Rong E purchase" January 2014 on-line, as at the end of October accumulated turnover of more than 34.2 billion yuan. In the first half of this year, the bank's "good and financial business" achieved a total turnover of 47.8 billion yuan, more than 10 times times over 2012.

"Internet power providers have extended to the financial sector, why can't banks expand into the business sector?" "Shirongjian Introduction," Rong E purchase ", ICBC also saw new opportunities for corporate customers to provide online transaction matchmaking, payment, financing, data analysis and other services of the Business-to-business Mall has basically completed the construction planning, the end of this year or early next year will be open to the outside world.

Xiangzhong, Etian. The bank builds the electricity business, does the shopping festival not to burn the money to join in, actually is covets the platform behind the hidden payment, the financing, the financial transaction, the big data information and so on function fusion brings the development impetus. "The purpose of the bank's construction of the electric business platform is different from that of the General Electric business enterprises." "Guo, a professor at the Central University of Finance and Economics, said that by setting up a platform, banks would achieve seamless integration of commodity transactions and financial functions such as payment and financing, so as to improve customer stickiness and dynamism and create more market-close financial services.

At present, most of the banks have adopted the "platform-free fee, technical maintenance fee, free Trade Commission fee" strategy to attract businesses, but "generosity" behind it is the bank "yearning" information resources. "Consumer search, parity, merchant flow and other large data, can be transformed into a bank rating, credit basis, but also for banks to develop potential customers, to avoid credit risk plays an important role." "Guo said.