Bank's first cross-border electricity sector (reporter observation)

In the face of Third-party payments and Ali Bank's aggressive offensive, how will the banking industry react? At the beginning of the new Year, China Construction Bank officially sounded the Horn of large-scale electric dealers.

This is following the April 2012 http://www.aliyun.com/zixun/aggregation/13561.html "> Ali Financial acquisition of financial licences and the December 5 suning set up a small loan company, Bank of China (601988, shares bar) Industry for the first time to meet the challenges from the electrical business sector cross-border expansion of the electricity business.

Reporter thousands of kilometers, in-depth Beijing and Jiangsu, Zhejiang and Shanghai area, the field investigation of the construction Bank of good and business development and layout, outlining the construction Bank of the prototype of the vast electrical business empire.

Good and financial business hurricane

China Construction Bank's counterattack operation was launched as early as six months ago. June 28, 2012, the construction bank launched a "good business" E-commerce financial services platform, quietly began to enter the first gun of the electric dealer.

After six months of sneak expansion, good and financial business to the market preliminary submitted a beautiful report card: Certified to stay close to million, registered members more than 500,000 people, the amount of transactions reached 3 billion yuan.

Customer managers from the bottom of the bank also found that with a good business platform, they had a better weapon to expand their new customers. CCB Shanghai Branch of the data show that within half a year, expanded 200 to 300 merchants, more than 200 successfully settled in and has begun to generate transactions. And only about 70% of them are CCB's existing accounts, and the other 30% because of the value of good and financial services related to business.

Zhejiang Branch, the head of the electronic Banking department, said the current branch of the Business-to-business platform into more than 500 households, new business customers accounted for nearly 30%.

CCB also for a number of professional market transactions characteristics, deliberately opened a name for the professional market plate. This special service, attracted more than 30 tea merchants in Zhejiang China and Jiangsu Oriental Silk market near hundreds of enterprises collectively settled.

The rapid expansion of business is a threat to the traditional electric dealers. Sources inside Taobao said Taobao's decision makers have regarded the CCB's business as one of the most threatening potential competitors.

However, CCB Shanghai branch of the electronic Banking department is still low-key said in the field of electricity, with Taobao, cat a year of turnover over the trillion compared to the CCB's good business is just a toddler. Next, the focus of good and financial business is to open up new businesses at the same time, to promote trade tilt.

However, the outside world more value is the construction bank's huge entity network system and a huge customer base. Once these massive customer resources are translated into a good and financial business system, a super Big Mac empire will be born.

The skin of the electric dealer, the core of finance

The head of the Construction Bank Suzhou Branch said that the good and financial business at the same time to do business-to-business and the model, is known as "Ali + Taobao" complex. But with Ali and Taobao different is, in the beginning of the opening, good business platform for the settled merchants to provide free shop rent, free Trading Commission, free service fees, discount transaction fees, such as a series of concessions and characteristics of financial services.

In other words, CCB launched a good business, not a power provider, but in financial services. Traditional electric dealers mainly rely on trading splitting and promotional services to make money, and good business is to rely on for businesses and buyers to provide financial services to make money. For instance, the merchant has the financing demand, the buyer may also enjoy our financial service through the credit card consumption and the installment payment, we rely on this to make money. The official said.

That is to say, the biggest difference between good and traditional business is the profit model, and the profitability of business is derived from the online extension of traditional bank financing services.

CCB Shanghai Branch of the electronic Banking department, said that six months of operation, credit card staging and personal loans, such as some of the financing has been on the platform of good and financial business, business-to-business Plate Enterprise financing case also began to try. "We are trying to help the settled enterprises to open up the industrial chain financing services." After a company settled in, his upstream suppliers and downstream distributors, through the attraction of industrial chain financing, can all move to the platform of good and financial business, this is the entire industrial chain of financing services. and traditional supply chain financing products warehouse list pledge, accounts receivable, credit mode ... Can be moved to the Internet.