"Focus" on the "Small loan market": Platform + finance + Data mode burst

"China Entrepreneur Network" The electric trader dabbled in the small loan, the network and the finance combine already became a kind of trend. Banks open shops online, insurance companies open network channels, Peer-to-peer network lending platform is not new.

June 2010, Zhejiang Alibaba Micro-loan company was established, as of September 2012 loan size has been more than 26 billion, the beginning of the new Year, and launched a "three days of no reason to return" loan policy; November 2012, the Beijing-East hand in the Bank of China (601988, shares bar) launched "Supply Chain financial Services" Chongqing suning Micro-Loan Co., Ltd. is also officially licensed. In addition, the wise and other electric enterprises, such as the use of cooperation with banks to provide financial services, the electricity business will be operating platform data into the bank's approved credit lines, banks to carry out loans.

Why does finance become a battleground for electricity dealers?

Data transparency is the innate advantage of electricity dealers ' involvement in finance

The high cost, the high risk, the low income let the bank to the small micro-enterprises shut out, in China develops the microfinance enterprise to have the huge market demand. According to Ali financial disclosure data show that Ali small loans to the latest customer number of 200,000 people, the average loan balance of 61,000 yuan per household. In June this year, the number of clients was only 130,000, which has grown by more than 53% in less than half a year.

Li Chengdong, an analyst with the electricity business, said that the electricity business to do supply chain finance is to meet the needs of the platform merchants, not only can the merchants bundled in their own electric platform, but also to attract more businesses. Financial services have also become one of the core competitiveness of the electricity business. Liu Jue, a professor of economic research at the School of Social Sciences at Tsinghua University, said that at least at the moment, foreign companies have been seen in the financial sector, especially in batches, and now there are good opportunities, if they can do well, it is likely to lead the world.

"Whether Ali or Jingdong, Su Ning, they do small micro-enterprise credit relative to the bank is the core advantage lies in the improvement of information system" Societe Generale (601166, shares) chief economist Lu Commissar also said. Ali Credit is currently mainly based on its own funds for its members to provide services. These members of the past transactions, cash flow, can be traced on the Alibaba platform, and even Ali can be on the platform of other companies in the same business situation, to determine whether its sustainable profitability. This provides a basis for Alibaba to provide loans. With this data, Alibaba can even automatically set up a credit rating sheet. As long as you have transactions on my platform, then I can automatically grade you. See if you are qualified to let me offer you a loan. Du Xiaoshan, deputy director of the Institute of Agricultural Development, Cass.

Liu: Financial business is the last "treasure" on the Internet

November 27, 2012, Beijing-East cooperation with the Bank of China, launched the "Supply chain financial services." To put it simply, Jingdong will play a similar role as an intermediary: the supplier, by virtue of its order in Jingdong, the warehousing list and so on to the BoE to apply for financing, the approval of the bank, and then the bank to lend.

Jing Dong CEO Liu also in the 2013 New Year's dedication to make it clear that "technology-driven data finance business" will become the next 20 years in Beijing east of the goal of the struggle, in 2014, Jingdong will also form Jingdong mall financial companies. In 2012, Jingdong bought the net silver online and will begin to enter financial services from online payments. Liu said, "Internet finance business" is after the game, consultation, search, the last "treasure" on the internet.

MA: Platform + finance + data depicting Ali "Blueprint"

Ma Yun at the Network business conference called on: Banks fully support small and medium-sized enterprises, but the banks have their own difficulties, who have no difficulty, their model is difficult to let them really to serve the network business, service good small and medium-sized enterprises, so Ali ready to advance here, not because we want to earn more money, but we feel that in this era, We need the idea of the Internet and the technology of the Internet to support the entire social future financial system reconstruction. In this financial system, we do not need collateral, we need credit, do not need relationships, need credit, we do not need you to make how much money, we need you to do for customer service. Two years of testing told us that hundreds of employees completed the loan to 150,000 companies, the average loan to each company is 47,000 yuan, this is only just the beginning, we will use the best technology, evaluation of credit, so that the present and countless network business groups have access to financial services.

There are insiders said: If Ali financial just appeared, people mostly just focus on the "innovation" on the word, then Jing-dong, Suning gradually got up, then let "platform + finance + data" model was deducted to let the bank afraid of the hat.

But internet companies to do finance is not an easy thing, finance is a very serious matter, data security, financial security requirements are relatively high.

E-commerce Observer Ruzenwang said: Internet finance is not so easy, large data is not equal to the credit mechanism, or there is a risk, the advantage of small bank loans is the end of someone, you can come to see, can be mortgaged, online can only rely on warehouse receipts or goods mortgages, more insurance, the potential strength of the loan is too small, Ali Finance, based on credit, lent billions of out because of its huge volume.