Big Data era coming several banks to seize the platform (1)

When people are still in the "Jingdong Mall" and other electric quotient of the wind is startled, the recent banking system has led the flashlight business. The launch of the Bank of communications, "Yun Bo", the Bank of China Guangdong province, "cloud shopping" test water, as well as Minsheng Bank, Bao Bank and Harbin Bank, "Asian Financial Union" cooperation, all show that the bank to do the electric business platform is not a one-time. Among them, the most eye-catching is the construction Bank of "good and financial business."

CCB declared that the good and financial business platform to fund flow, settlement, credit, payment as the core, trying to the traditional mode of e-commerce innovation. This seems to be doomed to the battle of the electric dealers more smoke.

The reverse of the electric dealer

Many years ago, when Alibaba was a tender sapling, it hoped to pull the bank's big hand to its own. The bank, however, valued Alibaba's trading information, which would greatly reduce its risk costs. Both hit, high-profile cooperation.

At the time, CCB, ICBC from Alibaba to obtain a lot of good credit, active trading, have a development prospects of the list of enterprises, lending become easy and happy;

However, Alibaba is no longer satisfied with the way banks behave, and is no longer satisfied with the role of intermediary, and then asked to share a piece of credit. This clearly touches the bank's "reverse scales". There is no suspense in breaking up.

The result has been a thrill for banks. The stimulus, in addition to the 倨 of Alibaba's former Christine, stems from the irrefutable reason behind its "demands" that Alibaba's corporate message has a core value, especially in a society where the credit system is not sound. At the same time, Ma Yun's hao words echoed in the banking sector: "If the bank does not change, we change the bank." ”

Today, Alibaba, with its own financial sector, and successfully for nearly 130,000 small micro-enterprises to provide financing services, the total amount of loans has exceeded 26 billion yuan, a one-day income of more than 1 million yuan. Some analysts believe that once the policy is liberalized, Mr Ma may indeed reshape the Chinese banking industry, at least for a shock.

In response to this kind of stimulation, the construction bank began to do good and financial business.

CCB obviously does not agree with this quite gossip color of the enmity said. Bong, the bank's deputy president, made clear that the bank waded into e-commerce not because of Alibaba, but by future trends.

Remark or not imaginary. Banks uniform into the electricity business, is a big data background of the homeopathic choice. The banking industry has come to realize that technological advances have opened another door to internet economic innovation, and banks must seize this opportunity.