Bank electric Dealer "aggravating" platform flow into the largest short board

Daily economic News (blog, Weibo) reporter Li Yumin from Fuzhou

In the run-up to the electric business, no one expected to Schen, and "spoiler" is a strong capital and rich resources of the bank. With the construction Bank "good business" platform to explore the depth of the electricity business, other banks are also following up or eager.

At present, the bank has launched the "exchange of Bo", BoC branch in Guangdong Province has also tried to do the "cloud shopping" platform. In addition, ICBC may launch a similar platform next year.

has at the same time in a number of platforms open shop, said: "And Alibaba, Jingdong Mall, Taobao and other traditional electric power providers, good business and exchange of such a platform of the most attractive is the" 0 cost "or low cost. The disadvantage is that these just started the "banking system", although the electricity dealers menacing, but the platform's traffic has been a short board. ”

"Price" advantage appears

From June 28, 2012 to date, CCB's "good business" platform has been running for 5 months. In the number of merchants and trading volume began to take shape, the financial power of the powerful business enterprises also played a "price war", is intended to reduce the intermediary cost of network sales.

Compared with the traditional electric power, the biggest advantage of the bank's electric business platform is the service price. It is reported that the current construction Bank of "good business" platform free of shop rent, trading commissions, promotional fees and other costs. And the "exchange of the exchange" to pay only about 1% of the handling fee, the rate is far lower than the traditional electricity dealers.

"We are different from traditional electric dealers, and traditional electric dealers are relying on this platform to make money," said one of the marketing staff of the CCB's good and financial business to the daily economic news reporter. The purpose of our development is to excavate good customers through this platform, and to increase customer's stickiness to the bank through subsequent financial services. Therefore, we do not want to make money through this platform, but also want to support enterprises bigger. ”

Xiamen Century Hui Quan Culture Communication Company is a collection of books and audio-visual publishing, planning and sales of cultural communication enterprises, the company's sales channels are mainly the airport bookstore, is currently in Dangdang, Excellence, Jingdong Mall and other electric platform for sale.

In the Century Hui Quan marketing director Wu Xiongpeng, Dangdang, Excellence, Jingdong Mall, such as the electric business platform is actually a large distributor. "We sell the products to them and they sell them themselves." And the sky Cat and build good business such a platform, (equivalent to) is to provide us with a storefront, let us go to the stall, in contrast, we prefer to choose the latter model. ”

Wu Xiongpeng also said: "Near-free construction Bank good business platform is obviously very attractive, in the days of the cat on the higher cost, but the larger sales, through small profits and quick turnover or a certain income." ”

Face the "active" challenge

This common-win model, coupled with price advantages, is one of the reasons why banks are bullish on their platform for electricity. However, the current start-up of the bank's platform, whether it is the flow of the site or the activity of the transaction, temporarily difficult compared with the traditional electric.

Located in Quanzhou, Fujian province, the nine pastoral kitchen is a sanitary ceramics, intelligent kitchen and bathroom, the overall sanitary ware, such as the main business of the large kitchen and health enterprises, the company since 2011 began to test the water and electricity business channels. 2011 "Double 11", the company sales of only 3 million yuan, to 2012 years "Double 11", sales are 10 times times the growth rate exceeded 30 million yuan, the first building Materials Home Museum full network.

According to the nine sales Director bin, the current traditional channel line sales performance is basically in situ, but the electricity quotient is showing a 300%, 400% growth. "In the future, the nine will continue to strengthen the development of the electric business, in the network channel expansion, logistics distribution, after-sales service, personnel training continue to exert force, combined with O2O mode, the online sales and distribution of the perfect combination of offline." ”

However, bin also said that in the cat such a large number of visits, active trading on the platform, the company's main cost is the cat 5% of the settlement fee and advertising promotion fees, the total cost of about 5.5% of the turnover.

At present, the construction Bank "good business" is nearly 0 cost, but the transaction flow is very small. A single enterprise 30 million yuan a day such transactions, in the start-up of the banking system on the platform is hard to imagine.

This problem is not only bothering the merchant, but also the bank's most worried problem. "Our immediate priority is to do the traffic on the site. "said one CCB employee.

It is reported that, in the resource incentive, CCB headquarters and provincial branches also tilt a large number of resources to the electric platform, the headquarters of the direct matching special credit scale.

The industry will be more competitive

In the face of fierce market competition, the time left to CCB is not much. "Good and harmonious business" as the first "crab eating" of the bank, not only has not been catching up with the traditional electric business enterprises, and the back of the competitors in the pursuit of competition.

At present, the bank has launched the "exchange of Bo", BoC branch in Guangdong Province has also tried to do the "cloud shopping" platform. In this year's Canton Fair, BOC also announced the United Canton Fair E-commerce Co., Ltd. launched the "financing" Canton fair Merchants exclusive Financial services platform. It is reported that ICBC may launch a similar platform next year.

Compared with Alibaba, Jingdong Mall and other traditional electric business enterprises, CCB's "good and business" platform also has a strong financial strength, rich financing services, customers and wide range of resources, such as the advantages of finance enterprises. However, once the bank, BOC, ICBC and other banks joined, the CCB's advantages will certainly be challenged.

Cross-bank to create the "exchange" and the construction Bank "good business" model of the same height. "Exchange" and "good business" with business-to-business and two types of E-commerce, the target customers are small and medium-sized enterprises and professional markets, and both the electric business transactions and SME credit, supply chain financing.

The traditional finance adds the element of the Internet, also must follow the Internet domain "only first, no second" rule. In the face of peer catch-up and competition, the first to develop the electric business platform of CCB is the good and the business as the most important work this year, and strive to seize the opportunity.

"The competition is very fierce, we all feel very hard, an important reason is that each bank is concentrated in the" Red Sea "" hand-to-hand combat ", there is no obvious difference in competition, no bank can occupy an absolute advantage. As an Internet product, electronic bank also follows the law of "winner takes All" by Internet enterprises. Chen Wanming, vice president of Fujian branch of CCB, said in an interview with the Daily economic news.

In the information technology and Internet industry, industry leaders are the rules of the game and the leading players, and the brand role is very obvious first accounted for 70% of the market share, the second accounted for 20% of the market share, the third one after only 10% of the market share.

In Chen Wanming's view, with the increasing integration of e-commerce and business activities, the role of the electronic commerce financial platform has become increasingly prominent, good and financial business will be the core competitiveness of CCB to tackle the market. But again, the pace of competition is looming. Therefore, Chen Wanming also admits: "To be able to rush in the industry before the launch of the rapid expansion of the construction Bank of the customer scale, to achieve large enough volume, you can expand the CCB electric platform brand awareness."