Banks need to upgrade services to cross-border dealers

2012 staged the electric business war took the eye, Taobao and the cat "Double 11" crazy volume nearly 20 billion yuan enviable. Behind the scenes, the bank's role as an indispensable clearing-house is submerged. Along with it, a number of affected banks have set up their own network to buy a platform, a mammoth set foot in the electricity business.

Not the usual way.

In recent years, banks to strengthen co-operation with the electrical business, one side also do not forget to "steal division Apprentice." Since last year, many banks have been on their own. CCB launched "Good and financial business", the bank set up "to pay the Exchange", BOC "cloud shopping" immediately debut. ICBC, Citic, Huaxia, people's livelihood and other banks also accelerated into the field of electricity in different forms, so that many people feel that this is "not good." "To a certain extent, banks are also internet enterprises, why can not rely on the development model of the electric business to promote financial services?" "Citic Bank (601998, shares) the Chen Shujun, general manager of the e-Commerce Department of the Network Banking department, represents a lot of bankers ' current thinking, which in turn has become the driving force for the development of the bank's electricity dealers. "Electronic commerce continues to extend, if the bank only stays in the payment medium, it is difficult to stand in the customer demand angle to seek development." "CCB Electronic Banking department deputy general manager Liu Jianzhong said."

However, Huaxia Bank (600015, shares bar) SME Credit Department general manager Lu Xiaoqun said: "The bank's own advantage is still concentrated in the settlement, credit business, Cross-border power dealers is not a bank advantage." "Therefore, we are not to do the traditional sense of the electric business, but to use business-to-business (business and Enterprise transactions) and consumer (commercial organization to consumers) platform to form a trading environment for enterprises and consumers from payment settlement, trusteeship, guarantee to finance the financial chain services." "Liu Jianzhong said. "Rejection". The bank is only an important step in the eyes of the bank, innovation and drive the financial business is what they value.

CCB Shandong Branch of the electronic Banking Department general manager Li China, the current construction Bank in the full force to develop customers, provincial branches are involved in marketing. "Now is the offline to help promote the business, the future will become a big Web site online to find customers, branches will bring more deposit and loan and intermediary business income." ”

Free transaction fees are an advantage but cost a lot

At present, Taobao, Pat took up almost 70% of the domestic electricity market share, the Bank of the electric business in the gap between the promise of "platform-free fee, technical maintenance fee, free transaction commission fees", in contrast, mainstream network shopping platform for popular goods generally charged 4%~10% transaction costs.

"The free service is still attractive, who doesn't want a more sales channel?" "As the first batch of" good and business "members, Haier Group executive vice president Yunjie said that, although the bank is just beginning the electrical business, but its huge assets and customer resources once the move, will bring a broader sales space.

However, although free is the early development of the "magic Weapon", but its enormous costs also become the burden of banks. "The upfront investment is certain, to achieve a break-even will be a long process, we hope to" via "the development of the road, to collect financial business needs information. "Liu Jianzhong said.

The vast amount of information from the huge volume of transactions, but at present the bank is not a large amount of electricity dealers. To "good business" as an example, since June 28, 2012, the website accumulated transaction amount of about 3 billion yuan.

Reporters in the "Good Business" Web page to see, its personal mall display of commodity prices generally higher, business mall Many commodity price column is filled out "price negotiable", difficult to parity.

Financial expert Zhao said, Taobao and other electric sales promotion channels are more, can let business concessions, reduce platform and so on. However, the free platform provided by the bank for the lack of control of commodity prices, small-scale promotional efforts are small, difficult to low prices to fight popular. Do not sell electricity, not to gather popularity is difficult to push financial services.

"The Bank's natural clearing function makes it cheaper to enter the electricity quotient, plus a large bank card user base, which attracts more merchants." "Cufe Bank of China (601988, share bar) industry Research Center Director Guo said that the card users can completely convert into the electrical business customers, but also to see whether the banking Department of Electricity to provide genuine services.

A foothold in finance is the right path

Although many of the banking system from raw materials, industrial products to daily necessities have to dabble, but compared with the larger electric dealers, product categories and business is still not rich enough. "Only a lot of Web site merchants, to attract people." But the bank is not all, or need to find the right product. Liu Jianzhong said that at present, the construction Bank electric business platform into the enterprise scale threshold set to 3 million yuan, the main development has upstream and downstream enterprise chain of High-quality Enterprises settled. "We value the potential capital requirements of upstream and downstream enterprises in the supply chain, and use their trading data to obtain a primary message to guard against credit risk." "Liu Jianzhong said.

In some banks continue to enrich the variety of goods at the same time, there are banks closely staring at the immediate "one MU three points" work. Citic Bank's recent establishment of the financial mall only open shelves to sell funds, wealth management products, personal loans and other financial products. "Based on their own selling financial products or more practical, after all, do electricity dealers very much burn money." The bank has a long way to go. "Zhao said, if the bank poured too much power in the electricity quotient, on the one hand need to clear its own positioning, vigilant investment policy of the red Line; On the other hand, to do it, not China.