Banks scramble to "meddle" with electric dealers as "big data"

Xinhua Beijing, February 8, comprehensive report of the financial channel, in recent years, the banks have been sitting heavily, the banks have moved to E-commerce market, trying to 10 trillion of the annual trading E-commerce market to separate a cup of soup. Analysts point to the bank's foray into e-commerce, intended to "data". But at present, the bank is only a toddler stage, the first loss to make a yell, and the user experience and technical depth, far from the traditional big power to contend with.

Since last year, CCB launched the "Good business" of E-commerce financial services platform, the Bank of communications "exchange", the Bank of China's "cloud shopping" is also officially operational. At the same time, ICBC, Minsheng Bank, Huaxia Bank, Citic Bank are considering the opening of similar sites.

With the rapid development of e-commerce, many banks suddenly found themselves in a competitive environment, and is increasingly being squeezed, and constantly slide to the end of the interest chain. As a result, the banks with heavy sums began to "meddle" in E-commerce, trying to split a slice of the e-commerce market in the 10 trillion annual transaction.

In the industry, the future of the Internet will form a different from the indirect financing of commercial banks, but also different from the capital market direct financing of the third financial operation mechanism, namely "Internet financial model." This requires Internet enterprises, financial institutions from their respective advantages of the field, from both ends cut.

Bank enters power business as "data" war

CCB launched the good and financial business, in fact, the construction of two major E-commerce platform: "Good business personal shopping mall" for individual consumers, "good business Enterprise Mall" for enterprise users.

The Financial Times reported that the move was akin to a head-on competition between HSBC and Amazon. Chinese banks want to gather as much customer information as possible, and the scramble for control over "big data" is heating up.

"Now we are going to do this platform to be passive, to solve the problem of asymmetric information, to change the status quo of the media and to use our own platform to retain customers," said an executive at CCB, which is responsible for the electronic banking business. Otherwise, in the entire value chain and service chain, we will be squeezed more and more narrow. ”

But the electric business giant Alibaba, but has the huge user information base, and records the user detailed credit record. This is important for a bank that sits on huge sums of money but is afraid to lend to many small and medium-sized enterprises by credit risk.

E-commerce market is really huge, CCB executives said: "In order to seize this big market, CCB has done a lot of attempts, but finally our customer data, customer transactions and so on all the information are left in the hands of others." ”

In this regard, some analysts said, "Now, for the Chinese banks, the competition is very fierce, customer information is the key to competitiveness." ”

Banks are just toddlers.

Compared with Taobao and the trillions of dollars a year, the bank's electric-business platform is just a toddler. Analysis points out that no matter in the user experience, or technical depth, the bank is a power provider, far from the traditional big electric power to contend with.

On the one hand, the bank supply chain management ability is weak, users in the delivery speed, return exchange and other typical online shopping experience will be slightly worse. At the same time, the professional technology of electronic commerce, to the bank is also unfamiliar domain.

In addition, as Analysys international analysts have pointed out, "big banks will be subject to institutional constraints that do not have the innovative, market savvy and service standards of an E-commerce platform run by private enterprises." ”

In this respect, CCTV said in the report, the bank's electricity dealers currently only charge fees and loans interest, the move is "first to make a profit," aimed at expanding users, and through loans to make money.

In this respect, the electric business giant's own proposal is more direct, one Ali financial Personage said, "The internet is not a pure technical tool, but a kind of thought." But to this point, the banking sector to the current understanding, should not be profound. This will directly restrict their development in the Internet electric business. ”

(Responsible editor: The good of the Legacy)