CCB to enter the business: The transformation of commercial banks

Newspaper reporter Yang Zhenghua Jiangsu report

The electric trader enters the financial business, but the bank is also trying to enter the electric business, "I have you, you have me" pattern is forming.

Within 6 days of December 4-9th, June 28 this year launched a good and inclusive business Construction Bank (601939, shares bar), organized 16 Media Observation Regiment soldiers divided into Jiangsu, Fujian, Hubei, Guangdong, Guangxi and other regional visits, promotion of its electric business, to its attention to the extent visible.

Not only CCB, Bank of Communications (601328, shares bar) before the introduction of the CCB in the electricity business platform, other commercial banks are gearing up, eager. The Internet and finance are more and more intertwined, some people say, 2012 is the financial electricity Shangyuan!

There have been media reports that Ali finance shook commercial banks. Then, if the first few commercial banks of global assets enter the electric business sector, how will the pattern change?

With the interest rate marketization and financial media Press, the transformation of commercial Bank is urgent. and commercial banks to intervene in the platform, is one hand to adapt to the trend of development, to expand the new situation, or to enter a steady stream of funds into the predicament?

New Person of electric business

E-commerce, is changing the lives of people, the tentacles of people's shopping reach the world! Some people joked that if Mars also has inexpensive goods, the electric dealer's tentacles will also extend to there.

A few years ago, November 11 was just a synonym for ridicule among students in colleges and universities, but now, it has become a hot Singles day for electric dealers to earn enough eyeballs, fame and money. And Singles Day is just one of the most climax days of many electric pitched. In this day and age, the electric business bosses through different channels or "show Love", or meet the price war, or even a big burst of saliva war, the drama from the year through to the end, the consumer's eyeball is firmly seized.

The most thrilling when is the Jingdong and suning easy to buy the price than the low battle. June 18, the Beijing-East anniversary celebration, Suning easy to buy, Dangdang's top executives in the micro-blog on the "low price than sales", encirclement and suppression of Beijing-east.

At this time, the "Golden Lord" bank test utility platform for the news on the blow.

June 28, the construction Bank launched good and financial business, including Business Mall, personal mall and room E through the three plates, for merchants and individual customers to provide online transactions, settlement payments, financing loans, funds, such as comprehensive financial services, to build it into the most professional first-class e-commerce financial services platform.

Zenggang, director of the Institute of Banking Research at the Chinese Academy of Social Sciences, the commercial bank to intervene in the platform, will certainly not be as a profit point, after all, the current electric business platform burning money more powerful. At the same time, the financial sector's interest rates are relatively high compared to other sectors.

"CCB is just a platform for good business, the upfront will invest a lot of manpower, financial resources, and then from the subsequent payment settlement fees, credit financing and financial services such as funds to earn corresponding profits." At present, other electric business platform is through the product price difference, the settled fee, the transaction commission, the promotion expense and so on earns the profit. But at present, the shortcomings of the construction bank's electric business platform is not enough publicity and the rate of click and customer attention is not high. "December 13, a market personage in the Huaxia times," said an interview.

The views of business owners who have entered the CCB platform are similar.

This reporter participated in the whole of the Construction Bank Media observation group in Jiangsu team. As one of the first to enter the construction Bank of good business platform, Jiangsu Prudential and shoe Industry chairman Lin also hold this view, he said: "The electrical business can not use the traditional industry thinking mode to run, but in a very short time, a cannon rushed out of the way." ”

According to an insider in the construction Bank, the bank has also considered acquiring an appliance business platform before it launched a good business, but it has not been successful for a variety of reasons.

"Before I was transferred to a new post, I had old friends from the state-run bank and asked about the mode of operation of the CCB's electric business platform." At present, several major commercial banks in China began to demonstrate the feasibility of commercial banks to enter the electric business. "A recent inauguration of the construction Bank insiders revealed.

To pry the sleeping interest

"E-commerce is the future trend." The front of our factory can receive parcel post basically every day. When I first started a business in Jiangxi to sell computer tables, are riding a bicycle a client to promote, now everyone slowly accustomed to online shopping. Jiangsu Changzhou Ouqiang Decoration Co., Ltd. Chairman Su Jianping excitedly to the media delegation to introduce their own business.

Not long ago, Su Jianping had just completed a 5 million yuan order on the platform of good and financial business.

According to Su Jianping, previously they used E-commerce, but are foreign trade, for export, domestic transactions are basically through distributors to operate. But now different, to the importance of e-commerce, not only in the days of the Cat Mall, Alibaba stationed, good and financial business launched, they are stationed. and similar to group-buying activities, they often participate.

For this 5 million yuan order is its previous offline trading extension and why the construction Bank of good business, Su Jianping said: "First of all, in the online transactions, to ensure the security of the transaction funds, in this regard, CCB's good and business is certainly the most trustworthy." Next, is the enterprise's attempt, the domestic electronic commerce is more and more mature, the merchant and the Customer Trust degree is more and more strong, hit, all is willing to try this new platform. ”

November 11, Taobao 19.3 billion yuan total trading, so accustomed to online trading small micro enterprises eager to.

A staff member of the Construction Bank Changzhou branch, by November, Changzhou online merchants have reached 93, a total of nearly 1400 transactions completed, and the transaction limit has reached 10.84 million yuan. In the stock of customer service at the same time, good business is also actively screening the local Alibaba, Day Cat Mall customers.

Taobao has had a shopping experience people know that the purchase payment by Alipay, not directly into the seller's account, only when the receipt of the receipt of the money will be included in the seller's account, which produced a time lag. This part of the money paid by Alipay has no interest during the settling period.

One banker pointed out that the use of funds paid by third parties, the transaction process is a bank trusteeship, this part of the trust funds are based on demand deposits to interest.

It is clear that this part of the interest generated by the consumer's money before the transaction has not been completed has not entered the consumer's account, while the construction of good business and commerce has changed the situation.

Construction Bank of Jiangsu Province, a staff of the platform of some high-end high-quality customers, peacetime transaction capital flow is huge, if stored in the good business of the mall account, before the transaction deadline, according to the demand deposit rate to the customer interest.

"Although it is" mosquito meat ", but accumulated more, but also considerable. A small business owner smiled.

Priority to meet online loan scale

Alibaba set up a microfinance company two years later, the same as the Internet enterprises in Beijing East and Suning also began to test water financial services.

BEIJING-East Union, a few major commercial banks, for its merchants through orders and other loans to provide "supply chain financial services." Suning on December 6 issued a notice, announced the establishment of Chongqing Suning Micro-Loan Co., Ltd., to help small micro-enterprises to solve the problem of financing.

The Internet and financial integration more and more high!

Zenggang that with the development of the Internet, has profoundly changed people's living habits. Financial industry is a service industry, commercial banks should adjust with the change of external conditions.

As the traditional business of commercial banks, the deposit and loan, but also with the banking system into the electric platform, relative to the bank's traditional credit, collateral and other loans, also took place a series of changes.

From the loan services provided by several major power providers, it can be seen that there are currently order financing and credit financing. Credit financing embodies the data accumulation of consumer and merchant during peacetime transaction, and these data become the important standard of analyzing loan risk.

CCB Zhenjiang Branch, a customer manager told reporters that the previous general small and medium-sized enterprises to bank loans, the need to submit some information, and processing time in about 2 weeks. and into the business of good and financial commerce, due to the audit before, the merchant can apply directly on the website.

"We have just processed an online loan application, from the customer application to the approval down, before and after a few days, speed and procedures are also in the process of gradual optimization, the future approval time will be accelerated." said the account manager.

Lin frankly told reporters that in the early days of good business without fame, early intervention is not without purpose. First of all, is able to through the CCB's customers to promote our own brand. Moreover, if the CCB promotes the financing products and the innovation of financial products, it will surely tilt to the merchants of the CCB's own electric business platform.

Zhenjiang Branch of the Construction Bank, a deputy president frankly, under the same conditions, for credit resources, business, and so on, we will certainly give priority to the business platform of good and financial businesses. At the same time, at the head office level, we should give priority to the loan scale in the electric business platform.

"The bank has intervened in the loan of the electric business platform, which will impact on the loan of several other electric dealers." CCB's electric business platform can meet the financing needs of more than 3 million of SMEs, but also for small micro-enterprises under 500,000 yuan loans, and Alibaba and so on can only be issued under 500,000 Yuan small micro-enterprise loans. A banker told reporters.

The experimental plot of the bank

No profit does not wake up early.

One banker believes construction bank in the early years to invest a lot of manpower and funds to build a platform, at the same time to attract more merchants to come to settle, of course, is not a heart, but fancy the future increase in business and volume of transactions to bring more savings, loans and intermediary business income, thereby enhancing customer bonding. At the same time, seize the initiative in order to compete for more business needs of SMEs.

Since the banking reform in 2003, the performance of commercial banks has grown rapidly. But now that the central bank accelerates the marketization of interest rate and the phenomenon of financial de-media becoming more and more serious, commercial banks can only accelerate the change of business model to conform to the trend.

Zenggang that the establishment of a good and financial business platform, the construction Bank can be seen as an experimental trial. The transformation of commercial banks is not the transformation of other industries, but can provide better products, can better find the service entity economic fit, business to develop more convenient, in order to better serve customers.

"The financial sector is the service industry, the most fear is that when the real economy changes the living environment, the banking industry can not reach the direction of change in advance." With the electric business platform, it is better to pay attention to the change of the real economy to the financial products, and also to the commercial bank to innovate the financial products. Zenggang further explained.

In Lin's view, the domestic large commercial banks have a lot of outlets, but with the globalization of competition, human capital costs rise, the bank may shrink, but the bank's business can only be more and more big. Then, the business will be transferred to the electronic platform on a large scale. If who can take the initiative, in the electronic platform to obtain a better reputation and market share, then the future who will have a greater chance of success.