Customer Map Scale Banks to enter the electricity business first "lose money to make a yell"

Newspaper reporter Cao Bei

The pace of electronic commerce in the banking system seems to have accelerated dramatically overnight.

News from CCB, up to now, the bank "good and business" settled merchants have been through million households, turnover exceeded 3.5 billion yuan, financing scale close to 1 billion yuan.

The head of CCB, in an interview with the Securities Daily, said: "For the CCB, the start-up of good and financial business is not to profit for the purpose of the electricity, and in the early days of the opening, in the electric business fully to the customer, so that customers easy to make money while enjoying the rich financial services, the ultimate goal is to bring new business to the bank of fresh users , customer financial information and financial consumption (loans, payments, financial management, etc.). ”

A brokerage analyst also pointed out that many banks involved in E-commerce in the field is now a loss-making phase, or even a short period of time is difficult to achieve profitability.

E-commerce platform of Banking Department

Rapid development

China's E-commerce Research Center monitoring data showed that by the end of the third quarter of 2012, China's online shopping market transaction size of 294.3 billion yuan, an increase of 36.9%; by the end of June last year, the number of users in China's online purchases reached 214 million, an increase of 23.7% per cent.

In the face of such a large market, banks of course also deliberately share a cup.

In June 2011, the bank began to build a new generation of online shopping malls, "pay the exchange." Through the "Transfer of the Exchange", Bank of Communications (601328, shares bar) for E-commerce customers, including enterprises and individuals, to provide cover online payment settlement, corporate finance, market development and other integrated services, fundamentally solve the small and medium-sized enterprises to use the high cost of capital, at the same time, in combination with the law of E-commerce development, through the customer, Publicity and other resources to fully integrate, to achieve resource sharing, cross sales, help platform E-commerce customer growth.

China Construction Bank (601939, shares bar) is the earliest start-up of electronic banking business, from the beginning of the early 90, after more than 10 years of development, its electronic banking business has achieved remarkable results, the current daily trading volume reached 17 million. The development of e-Bank has laid a foundation for CCB's "good business".

Since the introduction of last June, CCB "good business" through the introduction and support of good management, reputation of quality merchants, through the domestic well-known electrical business rich supply of goods, providing a full range of financial services, won the majority of enterprises and consumers recognized. Up to now, "good and financial business" settled in the merchant has passed million households, turnover exceeded 3.5 billion yuan, financing scale close to 1 billion yuan.

January 16, Citic Bank (601998, shares) and Tencent Group and its non-financial payment company Tenpay held a signing ceremony, the two sides agreed to carry out comprehensive strategic cooperation. According to the agreement, Citic Bank and Tencent Group and its non-financial payment company Tenpay, according to the characteristics of E-commerce, the final realization of electronic merchant goodwill accumulation as the main basis for its credit. Ma said, the two sides of innovative cooperation products to meet the Tencent platform merchants and other Internet users operating financing needs, to help Tencent platform on the business development of electronic business enterprises, and to assist CITIC Bank to lay its electric business in the field of financial services important position.

In addition, there have been a number of banks involved in the field of E-commerce, including ICBC (601398, shares), Minsheng Bank (600016, shares bar), China Merchants Bank (600036, shares bar), ABC (601288, shares bar) and so on credit card mall, integrated online mall and other ways to enter this industry, But mostly in the mode of the main.

Banking and traditional Electronic business

"Tao is Different"

Many people are worried about the profitability of the bank's E-commerce, and analysis of its advantages and disadvantages, but analysts pointed out that, in fact, in the positioning, the financial power dealers have no intention to compete with the traditional electric. The core of the business of the financial power provider remains committed to financial services.

"The starting point for good business is not to sell things by electricity dealers, but ultimately to provide financial services with a good business platform." "CCB Related department responsible person said.

CCB in charge of the interview with the reporter said: "For CCB, the start-up of good and financial business is not to profit for the purpose of the electricity, and in the early days of the opening, to customers, so that customers easy to make money at the same time enjoy a wealth of financial services, the ultimate goal is to good business to the bank to bring fresh users, Customer financial information and financial consumption (loans, payments, financial management, etc.). ”

Bank of communications officials have also said to the media, the line of the new generation of online shopping mall "Exchange" to make full use of the comprehensive resources of the bank, including customers, brands and financial services, in the credit certification, online financing, account settlement, network services and other areas to establish financial characteristics, and traditional e-commerce sites to form a differentiated advantage.

The bank said that, unlike non-financial payment institutions, banks first cut into E-commerce from the customer's source, with financial services as the hand, the establishment of an e-commerce based on their own advantages of the value chain, the establishment and Alibaba model similar, but the target customer positioning of different e-commerce financial markets. It can be said that the bank in the new round of Electronic business model innovation, play is the introduction of financial services to provide customers with the full flow of e-commerce services, the key role of the online shopping mall and the supply chain, combined with the bank integration System, and SME credit information, is committed to providing customers with professional and meticulous "whole supply chain" Financial services, the establishment of a commercial bank features a fast, safe, full flow of E-commerce service system and platform.

Guo, a professor at the Financial College of the Central University of Finance and Economics, also believes that commercial banks are doing more to expand their business by exploiting a variety of ways. But for these banks, it is clear that they are not just trying to expand their new business, they are looking at Third-party sellers and growing users and future growth in credit for these trading platforms.

Profitability, the relevant person in charge of the construction Bank, China's traditional electric business enterprises generally need about 10 years to achieve the current effect, the construction bank in the absorption of traditional electrical business experience after the launch of the electric business platform, the time may be accelerated, but not overnight, the need to constantly improve the process.

A brokerage analyst also pointed out that many banks involved in E-commerce in the field is now a loss phase, or even a short period of time is very difficult to achieve profitability, but after all, the background of the bank, if the commercial banks really under the strength of E-commerce, then 5 years later may see a certain effect.