Forcing the Internet: the keeping and tapping of the banks ' electric dealers

Intermediary transaction SEO diagnosis Taobao guest Cloud host technology Hall

A lot of traditional financial friends pay attention to my media, leaving a few questions:

1, do you think, in the Internet financial era, whether the banks to do the electricity business?

2, ICBC, Societe Generale, after the spring festival to engage in heavy products, is what?

3, in China Merchants Bank, People's livelihood, Societe Generale, ICBC, CCB, and other banks to embrace the Internet, you are most optimistic about which bank? Why?

Welcome to burst materials, welcome to discuss.

2013, is the day cat, Beijing-east and other electric platform trading volume of the next step of the year. For banks, it is a year of hope, frustration, disappointment, and hard searching.

The Internet financial tide is menacing, the bank does not do the electricity business simply is waits for dead, the new seeker waves and waves.

January 12, 2014, Industrial and Commercial Bank of China Electric Business platform "Rong E purchase" officially online. The project started as early as May 10, 2013, with a full 7-month gestation period.

In the planning of ICBC, the positioning of e-purchase is to create a consumer and procurement platform, sales and promotion platform, payment and financing integration of financial services platform, hope to achieve user flow, information flow, capital flow "three flows in one" data management platform. This means that in the future, e-purchase will become an important platform for ICBC's transition to the Internet.

Bank practitioners are helpless about how to be a power trader. Before ICBC, CCB and Bank of communications had been electrocuted. As early as the end of 2012, China Construction Bank's electronic commerce platform--------------------------- In the 2013, the Bank of communications exchange also finally online.

But these two platforms are in general. Good and financial business is mostly business-to-business, the users of the exchange and bank billion card holders compared to, is also a very empty. Bankers, like all the traditional industries embracing the Internet, are experiencing their own painful groping period.

In an interview with the Chinese Academy of Social Sciences, Zenggang, director of the Banking Department of the Institute of Finance, said that the concept, structure, mode of thinking and banking are very different, the difference between the two is very big, can do this thing very hard to say. He suggested that "to do more service around customers, the electric business is one of them, perhaps more effective." ”

By the Internet financial Revolt

"ICBC does not just want to be a power dealer, but wants to do more internet trading." ICBC hopes to borrow E to buy to the original operating system, the model to make a change. "According to a person close to the purchase of E.

According to him, the purchase of the project is by ICBC chairman Jiang Jianqing personally led the capture, coordination of several departments within the staff.

In the future, ICBC will also on-line Peer-to-peer business, and build a better payment system, the payment system is based on the internet payment, mobile payment, in addition to ICBC's net silver, but also access to other banks of the net silver, as well as third-party payments.

Importantly, ICBC also used the Internet as a tool to increase efficiency, in the future, ICBC's business outlets, employees will be implemented to increase the efficiency of staff to make better configuration.

Just joined the electric shock tide of ICBC, the morale. After a year of testing water, CCB has been a bit lonely.

After a year of development, CCB in the business of the company did not much improvement, but the original stored in the line of business-to-business, the payment link moved to the line. According to a personage in the industry, as of now, the turnover reached about 30 billion yuan, of which business-to-business accounted for 80%-90%, based on the electricity platform issued by 6 billion of the loans.

January 16, in an interview with the Chinese People's Bank of China, a CCB electronic banking ministry, said, is currently planning for the 2014-Year plan for good and financial business, the future main direction or business-to-business.

"Good and financial business is at a crossroads, deep down, put too much, not think well." "After more than a year of close contact, the CCB electronic banking staff to China, said the company's emotional complex, bright future, but bumpy road."

And before the industry is very looking forward to the people's livelihood, in the establishment of a short period of 3 months, it ushered in the substitution of senior executives, large-scale unrest. December 16, 2013, Minsheng Electric business chairman Yin Long resigned, Minsheng's original more than 100 people, will need to merit a job, many people have resigned.

Even the pioneers of the bank did not come up with much of a way. But more and more banks are saying they will be involved in the shock wave. Bank of China, ABC, merchants Bank, Societe Generale have said that 2014 will be in the electricity business, internet finance, a series of actions.

"In fact, banks do not want to be electric dealers because it is not the banks that are good at it." "One of the employees at the bank's electronic Banking department told the Chinese people that it was too much to be forced."

Prior to this, banks and large electric companies are "impinging", and banks can also give individuals and enterprises on the platform consumer loans, supply chain finance, order loans and other financial services, as well as payment and settlement tools. But because of the penetration and development of the Internet, many electric companies have been killed into the financial business, which also forced banks to get involved in the electricity business.

2013, the Internet financial boom, also let the banking industry has a strong sense of crisis, especially the introduction of the balance treasure, let the banking industry as one of the earthquake.

According to a number of people close to the bank, the head of the bank, senior executives, branch governors, the entire banking system, senior staff have seen the impact of the internet, the future banks are likely to have no food to eat. Internet finance has become a must-see topic in the banking industry's various online gatherings and dinners. And the bank in the recruitment, one of the necessary questions is: how do you think of internet finance, banking how to do?

Guarding and attacking of electric business

When banks discuss how to embrace the Internet, they have discussed how to buy them, according to a brokerage analyst. The acquisition of a home appliance business platform, from the outside hatch, using the electrical business team to pry open the bank to do a glimmer of the electricity business.

But after many heated discussions, many banks chose to give up. After all, now a little bit better vertical platform electric dealer, is not cheap, to the bank, also not a small amount of money. After the acquisition, the two sides of the team integration, thinking of the collision, the mechanism of the problem can easily make the acquisition of talent "big loss." Talent is gone, and acquisitions have no meaning. Perhaps it would be better to let the banks try their own mistakes in terms of costs and benefits.

Electronic business is the Internet, the need for the internet thinking and mechanism, is flexible, dare to risk, dare to innovate. The financial institutions are cautious, conservative, the smaller the wind control the better. The combination of Internet and finance, there is time and money for the price.

Up to now, the capital of the strength of the banks do not have to invest or buy a home appliance business company. And in 2010 to 80 million Yuan won 1th stores 80% of the equity of peace, but early in 2011, 2012, two times the shares sold to Wal-Mart.

Still, under the shock of this wave of internet finance, the banking industry did not sit idly by, they quickly gathered their troops and began to try.

Everything must be learned from scratch. User experience, logistics, domain name, these problems have become the bank to do the obvious short board. In the field of logistics and distribution, to Beijing-east, Shun Fung for the representative of the 3-hour service, the day up, the next day to send such as electrical business logistics services, developed a user's expectations of logistics. In the domain name, ICBC, CCB, the delivery of the bank without exception, are using the two domain name, this domain name is difficult to have traffic. In the shopping process, many details need to be improved.

At present, the whole bank electric business is basically the same, most of them have the same, business-to-business, the initial cut is also the idea of the same, homogeneous competition is more obvious. An internet financial personage pointed out, ICBC has more than 400 million customers, CCB has more than 100 million customers, in the deposit and loan business, already is homogeneous competition. On the Internet, homogenization of competition, but also the greater the larger, smaller the small "Matthew effect."

It is also one of the original intention of the bank to pry the change of IT system through the electric business. The level of bank Informatization is always ahead of other industries. In the past more than 10 years, banks have benefited greatly from the development of electronic banking and internet banking. The cost of a business through electronic channels, less than 1/6 through the counter of bank outlets. Public data show that in the first half of 2013, the Bank of communications in the internal business outlets of 2,691, compared to the beginning of 2013, the reduction of 10.

At present, ICBC's online bank accounts for more than 100 million clients and handles more than 60 million electronic banking transactions per day. E-Bank's replacement rate for traditional counter business has reached 71%. And ICBC also wants to be able to use the Internet to elevate it to a new level. Jiang Jianqing is very fancy to information technology, ICBC's investment in information technology is also very large. According to the introduction of Jiang Jianqing, the future of information technology will fundamentally change the state of banking competition, information technology and management of the highly integrated, will become the core competitiveness of banks can not be replicated.

For banks, the electric business strategy can play the role of guarding and attacking. On the one hand, the electrical business into the financial has been quietly, can be the original customer once again, this is Shou. On the other hand, each bank has a large number of offline financing customers, and these customers are also facing the need to Internet.

"Information can be deposited on the Internet, the formation of payment closed-loop, banks can be better for the loan before, loan, after the loan management, which also helps the bank's own business." A banker told the company that the model could help banks to explore future internet-based business models.

The first step has been taken, but the next step, the big banks are still novices. At present, the construction Bank of good and business is still entangled in the need to do a deep electricity business, the exchange of the exchange also a few no improvement. And the people's livelihood of the electricity business to its "in the end is to serve the people's Livelihood bank, or an independent third party" This positioning, there are many differences within. Minsheng Bank's direct selling banks and the original business model, but also to the people's livelihood in the direction of the search for a lot of "brother competitors."

The direction of transformation

The bank electric shock, is a change, each bank is encountering the thought, the culture, the mechanism impact.

In the mechanism, the bank is "the boat disaster turn around", in the process of doing electricity business, will certainly damage the interests of some employees. For example, the branch network of front-line employees, account managers, the future will face the impact. And how to change the ideas of these people, so that the whole method of the implementation of the way, this also needs to be constantly considered. An internet financier who has been dealing with banks for years believes that the Internet will continue to be blown to the banks, so that the middle and grassroots of banks are aware of the impact of the Internet. Only when all the staff realize it, then in the specific transformation process, there will be enough execution power.

One internet financier believes that banks need to think about "how to cut into the electricity business" and find their own differentiated positioning. If it is to do the popular platform, directly with Taobao, Beijing-east, Xun and other large electric platform competition, then this may be how many outlets. The person suggested that CCB may have no advantage in doing the job, and that there is a greater chance of financing the supply chain.

Prior to that, Oriental Securities analyst Jinlin in a research report suggested that the bank to do the electricity dealers to combine their financial advantages, as well as natural credit intermediary, to highlight the characteristics of the bank to do the electrical business. The bank's network, can also become an advantage, will be transformed into a bank network of goods Experience shop, point of credit.

In addition, in the process of landing, each bank should combine their own advantages, to form their core characteristics. For example, banks with prominent retail and private banking businesses can move up the route of the consumer to provide tailor-made services to the high net worth population of more than 10 million of the assets.

One person who provides IT services to the bank told the company that the bank embraced the internet, turning a local area network into the Internet, just as the software industry has transformed itself into the Internet. First of all, in the IT system, the existing banking system is a commercial, from the storage, lending, banks for individuals (consumer), the two systems are not open, both sides are back-to-back. In the Internet financial era, the bank is more important to play a matchmaking function, which means that to let Consumer-to-consumer, C2B, business-to-business can find each other, this is a change of thinking.

It is understood that the banking industry is more IT staff, several major state-owned enterprises, as well as large joint-stock banks of it strength is very strong, IT staff has thousands of million people of the scale. "Once you have a good orientation, the underlying IT system is not a problem. "In addition to the underlying IT system problems, payment settlements will transform the key elements to be changed to be useful, faster and more efficient," the financial it person said. Although the payment system is not difficult in itself, it requires a combination of business process innovation.

Second, the bank should also strengthen the communication and communication platform. In the internet age, banks should change their role as information intermediary and financing intermediary, and as platform business, they should consider how to serve the individual and the enterprise more. The demand of interconnection era is obvious.

These two levels of change, will be external to the electric platform for the carrier, the internal is the whole bank changes.