E-commerce increases the pace of banking net lending

The internet is booming and everyone wants a piece of it. Especially with the rapid rise of e-commerce experience in the first, has not been able to aggressively open up the Internet loan Business Bank is naturally to see the heart itch. To stop itching, only head-on from the traditional offline loan business out, can be worthy of the information era to give our network grace. The rapid expansion of electronic commerce, to the Banking network lending business how impact and impact?

The rising speed of domestic electronic commerce

We can see that the improvement of E-commerce system has changed the traditional buyer-seller face-to-face transactions, breaking the original mode of operation, through the network, enterprises, individuals and other business individuals are the distance between the infinite. From the relevant E-commerce platform statistical data, Internet users engaged in the application of E-commerce is fast growing, the current penetration of e-commerce to about 30%, which means that 30% of netizens will have the application of E-commerce, and according to the current development trend, this proportion also has the potential to increase significantly.

The development of E-commerce is not suddenly a night spring breeze. If the 1997 by IBM and other IT manufacturers to enlighten the domestic e-commerce is still in the "market wait-and-see" stage, into the 21st century, the development of E-commerce has gradually achieved a distinct, traditional enterprises began to enter large-scale, at the same time, such as Alibaba, such as the middle platform of the Giants, E-commerce has become the new subject of e-commerce in China, supplemented by a large area of consumer shopping electronic platform derived, and this rapid development, especially in the last three years, has become the fastest growing "gold three years."

Influence of e-commerce on bank loan business

Banks are not unmoved, the various lines of the business to move to the network, products, marketing, business, running a comprehensive network of silver concentration, and in the credit card and other core promotional business more focused on the form of e-commerce and efficient combination. As the bank's most core profit business loan service, whether can take the electronic commerce development The Dongfeng, relies on the network platform to realize the qualitative leap? I think it is inevitable.

First, in 2009, the total E-commerce transactions in China nearly 4 trillion yuan, the internet has become the main force of economic development, pushing the entire national economy to a new level, which is not to ignore the positive stimulus. The mature experience of e-commerce will play an active role in resource integration and reference for the development of bank network loan business.

Second, China has formed a more mature e-commerce environment, in the electronic commerce laws and regulations gradually promulgated and implemented, the public acceptance of E-commerce more and more high, forming a large number of E-commerce loyal users. For the accumulation and utilization of the network client, the formation of e-commerce climate has laid a good precondition for the bank's network loan.

Thirdly, the use rate of net silver in the settlement of electronic commerce activities is more and more high. Take the business E-commerce platform as an example, whether it is the direct cooperation of the Net Bank settlement port, or platform independent research and development of the funds to settle products, bank net silver as the ultimate carrier, thereby indirectly increasing the use of the net silver, for the bank loan business Transplant Network, formed a good e-commerce experience bedding.

Finally, the degree of e-commerce and industrial integration gradually increased. In recent years, we have been particularly impressed by the comprehensive platform, many network operators began to focus on the development of the field of industry, providing professional e-commerce services. and the bank network loan should do well the network difference development, the mature electronic commerce operation experience is indispensable.

Although the network loan has little influence on the bank loan business in the short term, it is the future development of the bank to realize the magnificent transformation of the network loan business by the rapid development of e-commerce. Guarding the Internet gateway, in the context of the increasingly information era, banks can be more leisurely in the future competition in the opportunity to occupy.

Banks ' online loans are emerging

At present, the total number of banks in the network loan business is relatively small, mostly in the last two years on the line to carry out business, including state-owned firms, joint-stock firms, City firms, foreign companies are involved.

From the above bank's network loan business development situation, the current bank of the network loan services, most of the business focused on SME financing, such as the Bank of Commerce, CCB, ICBC, People's livelihood, Pudong and other banks, mainly in cooperation with E-commerce platform mainly, personal loan business network development is relatively weak, Compared with the traditional banking business is still to be improved, in the above eight banks, Citigroup, Standard Chartered, Bank of China to carry out the network of personal loan business, through the online banking "Network loans" page for borrowers and netizens.

From the domestic Bank network silver development trend, it is bound to be through the establishment of the Internet module, the first to consolidate business processes of networking and marketing channels network, at the same time, the bank will be committed to the traditional business based on the Internet emerging business, as a supplement to the traditional banking business, to build a truly effective financial business platform, and eventually formed a , marketing, service, operation in one of the internet transfer. and the loan business as the most important profit point of the bank, make use of the opportunity of the Internet development, form the effective assistant to the traditional loan business, and thus increase the business efficiency, reduce the operating financial cost, these expected positive factors have been gradually recognized by the Bank organization.

In recent years, the financing demand of domestic households and enterprises has been growing rapidly, and the relative scarcity of financing channels and the long and complicated financing efficiency have become the important obstacles in the loan financing market. With the gradual deepening of the Internet of the bank and the deepening of the network function, whether the network loan can occasion "rise" will be an important issue for the financial industry.

If you have any questions about loan financing, please come to China for easy loan: http://www.loanchina.com/zhidao/