Bank Test utility operators mostly lose money to make a yell price advantage is not obvious

August Beijing-East, Suning and other electric giants of the price war and smoke four, hand in hand with a large sum of the banking bosses did not stop, have cross-border to do the online mall, in E-commerce this market a piece. At the same time, the newly-started bank e-commerce has also aroused the outside world's questioning of the "Cross-border".　　How far the banks can go on this road remains a doubtful prospect. -Background electric Business "cake" more and more big this year, the real economy consumption "weak", but E-commerce has a big step in the growth.　　"2012 (China) E-commerce Market Data Monitoring Report" data show that as of this June, China's e-commerce market turnover amounted to 3.5 trillion yuan, an increase of 18.6%. Data show that the first half of the total number of registered users to 470 million, Taobao shopping every day over billions of people, Beijing East 2012 first-half performance report shows that sales growth over 120%,GMV (turnover) year-on-year increase of 161%.　　The operation of the online shopping mall, breaking the restrictions of the store regionalization, save the store, advertising and other operating costs, no business time restrictions, operating flexibility and other characteristics attract more and more enterprises to enter. -The current high growth of E-commerce attracts more and more enterprises to join, the bank is no exception.　　At present, BOC, CCB, ICBC, the Bank, Merchants Bank, Everbright Bank, Societe Generale, Minsheng Bank and many other banks have opened the "shop", its products have as many as nearly million pieces, covering a range of financial products, food, home appliances, jewelry, cosmetics, clothing, shoes and hats and other fields. Mode of operation mode differentiation It is understood that at present, commercial banks to do ordinary commodity dealers mainly have two modes.　　One is for their own customers, or a certain class of customers to provide an operating platform to commercial banks built points mall, credit Card Mall as the representative. Another model is the pure electric business model, sourcing from all parties, consumers do not limit the bank's customers.　　In June this year on the line of the CCB E-commerce Financial services platform, "good business" is the typical representative of this model.　　Response to most banks lose money to make a yell reporter browsing a number of banks of the shop, and compared with the traditional electric dealers found that some of the bank shop prices of goods mostly with the traditional electric business difference. Although the banks to enter the electricity business, but the response is generally. So far, most banks may be "losing money". The reporter found that most of the bank online shopping mall is not high, the purchase volume is also low, many of the current more than the fire of the goods but not a comment.　　Buyers in the purchase of goods after the evaluation of most poor, in the delivery speed, returns and other aspects of the evaluation is poor. -The bank is a power trader vs. traditional electric business Advantage customer Resource broad international financial experts Zhao that the bank has a unique advantage in having quality customers. Today, most people have their own credit card accounts in banks, and there are high end customers and middle classes for those who open those accounts. In addition, Zhao also noted that banksitself also has more advanced computer network technology. Installment appeal Big Bankers pointed out that the bank open shop in the payment method also occupies a great advantage. Consumers in Taobao, Suning easy to buy and other platforms on most of the purchase can only one-time payment, consumers in the purchase of computers, mobile phones and other digital products, often to bear the pressure of the repayment of large. Most banks use their own bank's credit cards, using a one-time payment, installment payments and credit card points plus a one-time payment.　　This allows the shy consumers to have a favorite electronic product in advance. The disadvantage lacks the flexibility and the sharpness although has certain superiority, but Zhao pointed out, the traditional electricity merchant after the long-term development has been more mature, because mostly is the private capital, its mechanism is nimble.　　And the large scale of the banks, including the state-owned enterprises, compared with the existing electricity quotient, its large institutions, long management chain, in response to market changes, innovation speed and other aspects do not prevail. Price advantage is not obvious, although the use of installment, but the industry pointed out that most banks at the time of the installment of the fees and charges, interest in the commodity prices, so most products are higher than the market price.　　Compared with the professional E-commerce platform, the banking Department of Electronic shopping malls in the visibility, quality services and the selectivity of goods are not as good as the traditional electric business. Exemption card to lure consumers enquiries revealed that most banks have played a "disclaimer" in the face of shopping disputes. such as ICBC, Merchants Bank and other online shopping mall clearly said: Customers and merchants through the banking online mall transactions such as quality of goods disputes, price disputes, preferential promotional disputes, such as disputes, should be settled by the customer and the merchant. The bank does not provide consulting and complaint services, and does not assume responsibility for the coordination of disputes and disputes between customers and merchants.　　Jingdong Mall, said that the goods sold in addition to the existence of national laws of the functional failure or commodity quality problems, the east side of the goods damaged, missing or the description of goods and the site does not match the problem can also be returned. Eric Consulting analyst Ding Jiaqi said that compared with professional e-commerce sites, the bank's supply chain management capacity is weak, users in the delivery speed, return and exchange, such as the typical online shopping experience will be slightly worse.　　The bank is not only the electric dealer to the customer limited attraction, to the settled merchant also temporarily difficult to provide the level equivalent service.　　-Consumer tips different bank shop of the same kind of commodity spreads large, and the general bank shop only accept part of their own bank card and credit card payment, therefore, it is recommended that consumers first query than to make a decision.　　In part of the bank shop to buy goods can use points swaps yuan, swaps points than directly to redeem points into gifts to be cost-effective, but some banks credit card credits have a deadline. If you choose installment payment, different bank's settlement date is different, the consumer must understand clearly, the repayment in time.