ICBC Electric business Platform October Online

Absrtact: In the face of the wave of internet finance, banks are running a gallop to layout. September 5, this newspaper has only been informed that ICBC recently internal bulletin: Payment + financing of the comprehensive E-commerce platform is scheduled to be officially on October 19, will set online shopping, investment rationale

In the face of the wave of internet finance, banks are running a gallop to layout.

September 5, this newspaper has only been informed that ICBC recently internal bulletin: "Payment + Financing" of the comprehensive E-commerce platform is scheduled to be officially on October 19, will set online shopping, investment banking, network financing, consumer credit in one.

According to people familiar with the situation, the platform to take into account business-to-business, business, from the current internal information to see, the earlier may be the main business, merchant threshold is also higher, and this and the construction Bank of the platform of "good and financial commerce" main business-to-business model difference is obvious.

August 30, ICBC launched a personal small consumer credit loan products "easy to borrow", based on customer online shopping and credit card consumption records, to provide loans for consumption or investment in financial products.

ICBC Personal Finance Business Department general manager Weiping told our correspondent: "And so we launch the electric business platform, will be docking, mainly for online consumer credit." ”

At the same time, Minsheng platform in Shenzhen, August 29, officially registered, called "one line", the integration of business-to-business, two modes of business.

"Through the realization of capital flow, information flow, logistics integration, mining small micro-enterprise customers, online supply chain financial financing services is the future trend." "ICBC Gold Department deputy general manager Huyahui said.

However, the customer experience of the bank is poor, the price advantage is not obvious, the business enterprise will not have a successful model, the lack of willingness of enterprises and the financing of online industry chain need to accumulate enough transaction data for a long time.

Credit Loan for payroll card customers

Compared with the electric business enterprise, the bank's electric business platform user experience is poor, the commodity type is few and the price superiority is not obvious and so on flaw has been criticized, but the credit card installment, the microfinance is its superiority.

Recently, ICBC on behalf of the wages of customers to launch a loan product "easy to borrow", users online shopping or credit card consumption, through the Internet, mobile phone, SMS banking and other real-time loans, the maximum limit of 600,000 yuan.

"This is based on the offline POS, online Mall transaction data to give credit loans, the industry is the first push to facilitate customers on the platform to pay." "A Bank of the electronic Banking department in charge of the company, the bank's platform will also introduce similar products."

According to the good financial business staff, the current personal loan model has two main types, personal microfinance loans to the bank of CCB customers, and the normal repayment of more than one year, only to the point of application; Individual rights pledge loans need to be pledged in the whole deposit of the fixed time deposit, the maximum loan amount does not exceed 95% of the deposit, the maximum loan is 300,000, The term does not exceed 1 years.

At the same time, compared to the credit card needs to apply for the process, and the general credit limit is not large, based on the debit card consumption records of "easy to loan" customers can self-help applications, automated system approval, the loan amount is also relatively high.

Weiping said that the electronic commerce platform payment method includes the loan or the credit card, the account cash, as well as ICBC will launch the personal integrated Account integration System, the customer accumulates in the bank transaction the integral to be able to purchase as the voucher.

"Early on the merchant's qualification requirements will be relatively high, the first batch will have TCL group, should be more than good business 3 million registered capital threshold to high." "According to people familiar with the situation, and this will result in a few types of goods, transactions are not active abuses."

The development of the bank's electrical business is not smooth, the CCB electronic Banking department related to the interview, said that by the end of this year, the construction Bank of good and business sales will reach 10 billion yuan, of which the merchant about 700 million-800 million yuan, the scale is very small.

Build online supply Chain financing platform

Although faced with many of these problems, and the investment is huge, what is the logic behind the bank's electricity quotient?

"The purpose of each bank is not exactly the same. The first is to build a trading platform for customers, increase customer stickiness, attract a large number of trading customers. Second, the understanding of customer transactions, access to their trading data, that is, the so-called large data, and this will require years of accumulation, but also the most want to get the bank. "The above shares bank of the electronic Banking Department introduced.

With the accumulation of data, banks to tap small micro-enterprise customers, providing online supply chain financing services to increase the income from the deposit and loan exchange. At the same time, the settlement fee, Bill and letter of credit business in the deposit and loan, as well as the sales income of financial products, will also increase the intermediary business income.

At the same time, the accumulated transaction data can also form a certain degree of substitution effect to the big data of Ali Finance, depress the strong position of Ali finance and its cooperation cost.

Bank of communications, such as the exchange of its design is the online mall and the supply chain combined with the SME credit information, is committed to providing customers with "full supply chain" financial services. The main focus of good business is in the business-to-business sector, and the business focus is on supply chain finance, especially the financing needs of the upstream and downstream enterprises.

A study published recently by the Great Wall Securities said that the overall supply chain finance balance in the industry is expected to reach 6.7 trillion scale. At the same time, this part of the financing demand will bring the deposit derivation, the rich intermediary business income and the interest income, is the commercial bank to the small and medium-sized enterprise business transformation opportunity.

However, the current problem is that the accumulation of transaction data takes a long time, and at present, the bank is not active trading platform transactions, business-to-business transactions also exist "moisture", so that the online supply chain financing Blueprint is just a castle in the wind.