Guangxi Unicom's first foray into internet finance to realize operation mode change

April 14 News, Guangxi Unicom recently announced the launch of the first Internet financial model of telecommunications-easy to buy finance, by the Guangxi Unicom mobile phone manufacturers and banks for mobile phone agents to provide credit funds, and partly to solve the agency's funding problems, this is the telecom operators involved in the internet finance ice-breaking trip, It is also the first time to launch a new internet financial model based on the telecom industry supply chain. The first to provide short-term credit for mobile phone agents Guangxi Unicom is announcing the news at the Third World Trade union Spring Fair, which is based on a large data analysis and future earnings forecast of dealers ' business behavior by telecom operators, and cooperates with upstream suppliers and commercial banks to provide credit funds for agents, To solve the problem of SME loans, encourage the expansion of agents. It is reported that the entire process through the Guangxi Unicom business-to-business trading platform Woy purchase, simple and convenient operation, clear and transparent data, in the risk of controllable conditions to solve the agency's shortage of funds and the risk of uncontrollable problems, will greatly promote the rapid growth of the telecommunications industry. Tesco Finance takes the supply chain of telecom industry as the core, with its own deep understanding of upstream and downstream enterprises and effective control, from the industrial Internet model to the industrial Internet financial model, the first time to realize the telecom operators to industrial resources to drive financial capital of Cross-border operation, is a telecom operators involved in internet finance ice-breaking trip, It will have far-reaching impact on the successful mode transformation and the establishment of new growth model under the mobile Internet conditions. Guangxi Unicom pioneered the introduction of the Internet financial details, based on the deep understanding and control of the industry, as well as the practice of Woy Internet operating platform, Guangxi Unicom Innovative thinking, in the industry to create a new model of financial innovation. Easy to buy finance is divided into two modes, mode one for the accounting period mode: All through the qualification evaluation of Guangxi Unicom agents, can be obtained by the Guangxi Unicom Joint major terminal suppliers to provide a certain period of credit limit support, all operations through the Woy purchase platform for operation, simple, clear and transparent. For agents, you can purchase on the Woy platform, after the payment, the first to make money, then pay, the longest can get 15 days of credit account. If the agent in the agreed time, did not return the use of funds in a timely manner, Guangxi Unicom will be a one-time payment to the terminal suppliers, and then monthly from the agent to recover the remuneration, thereby safeguarding the interests of all parties, effectively evade the risk of using financial leverage for the industrial chain partners to create more profit space Mode Two is supply chain finance mode: Guangxi Unicom and the major commercial banks to establish a supply chain based on the mobile internet financial model, agent procurement, bank credit, supplier delivery, the bank will pay the money to the supplier, agents within 90 days-180 days repayment period with the loan, the credit limit is recycled. In the event of default, Guangxi Unicom will first repay the loan to the bank, and then the monthly payment from the agent to be recovered, while the agent default information passed to the People's bank credit system, the greatest degree to reduce the risk of default. Under the mode of supply chain finance, Guangxi Unicom will share with major financial institutionsSharing loan proceeds, not only solves the problem that the agent loan is difficult, the fund is tight, but also creates the new profit pattern, Guangxi Unicom will enter the traditional telecommunication business income and the Internet financial income The double drive growth stage. Telecom operators have more advantages in Internet finance at present, micro-credit and other OTT enterprises to carry out internet finance, based on Internet applications, collect business information, solve the problem of asymmetric information between the supply and demand of funds, reduce transaction costs, provide an effective platform for rapid transfer of funds. Industry analysis, the three major telecommunications operators in the communications industry chain, the core position, for upstream and downstream enterprises operating conditions, future earnings, resource flows have a profound understanding and strong control, once through the internet to the industrial chain of information flow, capital flow and logistics integration, and financial capital to connect the internet finance operation, Will glow a strong vitality, in the enterprise management status of understanding, industrial chain control and revenue forecasts, is OTT enterprises do not have the advantage. Therefore, some experts believe that, in essence, OTT enterprises to solve the problem of financial Internet, and telecom operators in the core of the industrial chain, once combined with the Internet to carry out financial business, through the Internet to connect industrial and financial capital, can realize the real sense of the internet finance. In recent years, the telecom operators ' mode transformation, in order to avoid being piped, to carry out the business model transformation and to find a new growth model, is the biggest problem that the telecom operators are facing at present after being impacted by OTT enterprises. It has been proved that the industrial operation rules and operating conditions have a significant change in the time, the gradual innovation under the original operating framework can not meet the needs of transformation, we must break the traditional thinking frame, the industry rules to reshape, it is possible to truly realize the transformation of business model. Telecom operators to carry out the internet finance has congenital advantages: on the one hand, the expansion of the agent needs funds, and financial institutions to the SME loan process is complex and difficult; On the other hand, telecom operators have a deep understanding of the operating conditions of upstream and downstream enterprises, and the future remuneration of agents can be accurately predicted and It has strong control over the operation of all links in the industrial chain. Telecom operators borrow the Internet platform, on the basis of the supply chain to carry out internet finance, with internal and external conditions, can solve the above problems, realize the transformation of business model. Prior to this, Guangxi Unicom August 18, 2013 in the industry for the first time launched a business-to-business Woy purchase trading platform, to achieve the industrial value chain information flow, capital flow and logistics of the three-flow unification. Up to now, Woy purchase trading platform cumulative terminal orders reached 1.036 million units, the cumulative number of cards sold to 896,000, the cumulative amount of transactions reached 1.338 billion yuan, for more than 15,000 agents, 34 brand terminal suppliers to provide services, the initial realization of the supply chain based on the entire channel of Internet. Obviously, through the mobile internet thinking to carry out business model change, has become the telecom operator model transformation of the important driving force, and the supply chain based on the internet finance, is to reshape the business modelImportant means. (Cang)