Banks cross-border electricity dealers

Absrtact: ⊙ reporter says 0 to edit maple Forest banking every time "net" action will be outside attention, but what is the mainstream still time to observe. Although currently unable to learn about the specific business layout of e-commerce companies, but for E-commerce, the actual

⊙ reporter says 0 edit Maple Forest

Every "net" action of the banking industry will be concerned about, but the mainstream is still time to observe.

Although currently unable to learn about the specific business layout of e-commerce companies, but for E-commerce, in fact, banking has already been involved. In a narrow sense, almost most of the banks with a certain size have their own credit card mall, thus in a certain sense to enter the E-commerce.

A credit card center person told reporters that at present, most of the bank's credit card mall is under the credit Card center responsible for the network business of the level two department to build.

The person said, although the credit card mall is built, but in fact, in operation, with similar to Taobao, cat model, the introduction of external businesses, "the bank plays a role in providing sales and settlement platform." "At the same time, the bank also needs to carry out the qualification audit of the settled merchant."

Through this service, the bank can obtain the payment of credit card installment fee, the merchant sells the settlement service and so on aspect income, and increases the card customer to this bank card's loyalty and stickiness. And the bank introduced the credit card points to exchange the goods, the installment business, then enables the card customer to be relatively convenient, or obtains the commodity comparatively preferential.

However, in the view of the person, this kind of business for the bank, after all, is only marginal business, to provide customers with some value-added services. Although the bank set up the platform of the electric dealer, but it faces the customer is more only for the bank card customers, which makes it difficult to deal with the size of the business and the contribution of a greater breakthrough.

June 28, 2012, the construction bank launched a good and financial platform for business, which is considered a major breakthrough in the banking department of Electricity. Before that, the Bank of Communications launched the "exchange of Bo" online.

These two platforms are not the same as the previous credit card mall business platform, they are the electronic quotient platform that covers business-to-business and Business-to-consumer.

CCB stressed that "good and business" is the construction bank to extend the penetration of financial services launched by the E-commerce financial services platform, the biggest feature is "also melts", the purpose of the platform is finally to provide financial services for enterprises.

A year, CCB said its "good business" to achieve a deep integration of e-commerce and financial services, consumers through the platform of the transaction behavior, logistics information, etc., can become a reference to the user's credit index, which is associated with the loan amount, to facilitate the transaction between the two sides in the establishment of a good business credit.

The Shanghai News reported earlier in the month, the good and financial business in a year to hand over the "number of registered members broken 1.5 million, the turnover of nearly billion, financing scale of billions of" report card. However, such transcripts in the banking sector, as well as the electric business sector, still lack of bright spots.

Earlier, a number of bankers said they were observing the development model of good and financial business, but questioned whether the model would achieve the desired goal.

A joint-stock bank has also said to reporters that it may not take the construction Bank of this model, but will take with other large-scale e-commerce platform for in-depth cooperation, so that the customers of the platform to become banks customers, and at the same time for the electric business Platform for better service.