Banks disrupt electricity business

The years will be approaching, the price war between the electric business enterprises has been nearly white-hot. But the bank elephant is still trying to get a piece of it. And between the bank and the electricity merchant's smoke from the crazy growth payment domain has extended to the traditional electronic commerce platform. Recently, the Construction Bank (601939, shares bar) formally launched its first electric business products "good and business" platform, declaring banks officially into the electric business sector.

The reporter found that in the near future also to the power to enter a number of banks, including the Bank of China (601988, shares bar) launched the "cloud shopping", Merchants Bank (600036, shares bar) for tourism to create "travel easy" platform and so on. What are the reasons for banks ' cross-field operations? What kind of impact will this join bring to the electric business industry?

Nanfang Daily reporter Huang

Intern Peng Shele

No cooperation, no bank, a stove.

In fact, the banks have been associated with their own stoves or their unpleasant co-operation with the electricity dealers. The head of a state-owned bank's electronic banking department told Nanfang Daily that the bank had been working with Alibaba to launch a small micro-loan for e-commerce companies around the electricity business. At first, this business has creatively solved the problem of asymmetric loan information of small micro enterprises, because of the running water and transaction records of the electric business platform, the bank has a more channel to master the business information.

However, as the business of the larger, Alibaba no longer free to provide information, began to ask the bank loan amount of 2% of the information fee. "This 2% will undoubtedly be passed on to the loan merchant, and the cost of the loan has affected the acceptance of the enterprise." The analyst pointed out.

In addition, as the business progresses, a more expensive issue is becoming more prominent. It is difficult for banks to approve the authenticity of merchant platform merchants ' transactions because of the incomplete sharing of the information with the banks. The official told reporters that in the late cooperation of the bank will often find some enterprises in order to borrow, so as to register Alibaba account, fabricated transaction data. But the banks ' inability to approve the real deal is a risk to the financial innovation business. For a variety of reasons, the bank has now had to terminate the operation with the above-mentioned operators.

In fact, the bank is urgent to enter the field of E-commerce, but also because of the large number of third-party payment agencies, so that banks pay settlement services face serious challenges. As the electronic business platform to the customer information, customer transactions, such as a detailed list of information such as shielding, the bank off the phenomenon of serious, urgent need for a practical model to enter the field of electrical business.

Choose this time to intervene in the field of electricity, the bank has its own a lot of Abacus, E-commerce is becoming an important area of the national economy, the future of the entire social and higher proportion of business behavior, will occur on the Internet. At this time into E-commerce, can be said to conform to the trend, for the future to enterprises and individual customers to provide better Internet form of financial services, early lay the foundation.

Lack of experience to rob or challenge

"But compared with Taobao, Beijing-east and other already mature electric dealers, the bank's experience in business and publicity is obviously inadequate." "This requires banks to strengthen branding and customer development," said Meng, a Analysys international analyst. "Indeed, compared with professional e-commerce companies, the bank lacks the experience of e-commerce marketing, publicity, the rapid response to market demand, according to customer demand adjustment program, timely online and other issues on the bank's management system is a huge challenge."

Reporter survey found that there are individual consumer users of the banking platform of the user experience big spit bitterness. Mr. Wang, a credit card user at a large state-owned bank, recently bought two tickets for his wife's trip on the bank's newly-launched electric-business platform. After the purchase according to the network guidelines Mr. Wang soon used the bank credit card to pay success, but no customer service staff to inform his ticket issue, also did not receive a confirmation message.

"Contact the Bank mall, the mall said it was paid by credit card, let's transfer the credit card center." Credit Card Center said that only to see the success of payment, other follow-up services should look for the mall. We've been calling back and forth for this thing for a whole day, and the customer experience at the bank's electric business platform is still not working. Mr. Wang said this thing, still very angry.

In fact, many of the current banking industry is a "free" strategy to seize the traditional electricity market. As a number of electrical companies continue to set up and advertising charges, the original profit pressure has been larger enterprises do not exclude the bank extended to the "free" olive branch, such as the construction of the good and business of the CCB to the merchant commitment to trade commissions, advertising, the fees are exempted.

"The platform is steady, the development speed is fast, does not charge, this is the merchant very concerned question." "A business owner of the Nanfang Daily Reporter said that it has been in the traditional electric business platform, but when the enterprise to achieve a certain scale when these electric Shangdou began charging strategy.

Observation

"Elephants Dance" is meant to finance supporting business

In fact, to enter the electricity business is undoubtedly a very "burning money" thing, by the impact of capital-driven and scale expansion, the electric business sector is a small profit. This is not good at e-commerce banks into the electric business sector, banks are facing the "do not do" questioning. Whether the bank is worth the money or not, the business contribution of the "e-commerce + financial Services" model is sufficient to cover the cost.

On the current market "bank transformation" point of view, Meng do not agree: "The bank is not to build a platform to gain revenue, but to aggregate information flow, through the integration of transaction information to create a credit system for long-term credit and other financial services to build the foundation." The bank's main business has not changed, but it has used the Internet to expand its channels. ”

Meng further analysis pointed out that the current construction Bank of the good and the business and the Bank of credit Card mall on behalf of the banking industry and direct the two major forms of the battalion, belong to the "first crab-eating people", the banking industry is mostly holding a wait-and-see attitude. "The key to see whether it can produce a good expected return, after all, to enter the E-commerce market needs not a small development costs." "For the future trend of development, Meng told the newspaper reporter.

"The real idea for banks to enter the electricity business is to do financial support services in the network, while providing a channel to expand sales and settlement networks for public clients," he said. In the process of operating the electric business platform, the transaction information of the enterprise will be grasped clearly, so that the bank can provide supporting financial business for the business behavior and settlement of the enterprise. We do not rely on direct profit, no entry fees, platform banks are provided free of charge to customers. The source and design of the bank's profit is different from that of the traditional electric power supplier. "In response to the recent High-profile moves by CCB, Liu Yan, senior manager of the bank's electronic banking department in Guangdong province, said in an interview with the Southern Daily News.