Internet Finance Report: Electricity dealers seek cooperation with banks

In the 2014 China Internet Financial Development Roundtable, the Xinhua News Agency's "financial world", China Internet Association officially released the "China Internet Financial Report (2014)", the current Internet financial field of development, innovation, security, supervision, etc. carried out a panoramic inventory analysis.

According to the report, the scale of small loans is increasing, more and more electric dealers are gradually involved in the financial sector, and the related financial products are becoming richer. At present, Ali, Tencent, Beijing-east, Baidu [micro-bo], Suning, etc. have entered the network of small loans in the field.

In the initial stage, the electric business enterprise through the electric Commerce platform, accumulates the platform customer transaction data and the credit record, forms the information flow, the information flow directs the fund flow. With the improvement of information level, more consumers buy and consume through the electric commerce platform, without using the cash transaction, through the third party payment, the information flow and the capital flow realize docking, to a certain extent replaces and innovates the traditional bank has the payment and the credit function.

The report believes that the future of the electronic business to further strengthen the financial. In the next phase, the electricity merchant and the bank will carry on the credit cooperation. During the course of exploration, there are two main ways: one is to Ali as the representative of the financial platform, in the acquisition of banking licences, asset securitization, trust schemes and other means to raise funds; the second is to Suningyun business as the representative of the financial platform, access to private banking licences, complete control of information flow and capital flow. Both of them are in the case of mastering information flow, efficient and low-cost access to capital flow, and enhance integration, so as to provide platform customers with full process services, improve user stickiness.

In addition, under the impact of the electronic business finance, the financial institutions represented by the banks have begun to enter the field of electric business, and the financial institutions will actively build their own data platforms. At present, large commercial banks in the accumulation of financial data, there is no comparison of the advantages of electric dealers. In recent years, a number of large commercial banks actively deploy their own electric platform, in the retention of the original customers at the same time, so that customer data three-dimensional, in order to analyze the customer's three-dimensional behavior data, differentiated services.

As for the Internet financial security issues, the report points out that, despite all kinds of security risks, the overall risk is at controllable level, and the development of the information security industry in China is becoming mature, and the Internet financial security products and solutions can resist most of the information security risks.

At the same time, the report stressed that the future needs to promote the information security industry chain security cooperation, the use of joint control approach, to ensure that the Internet financial information security risks controllable. The Information Security Service organization needs to cooperate with various agencies of the network payment industry, analyze the platform security, data security, network security and terminal security of the payment service.

(Responsible editor: Lvguang)