"Marriage" commercial Bank of three major operators

Three major operators "marriage" commercial banks to speed up the layout of financial information Market 3G technology in-depth application, so that the Internet, transactions and payment functions of mobile phones have been gradually demonstrated, thus speeding up the financial industry and the Telecommunications industry cross integration, heterogeneous cooperation is becoming the mainstream mode of business development in the 3G era the newspaper reporter Lio Hongxiang from the network to the terminal, The combination of telecoms operators and banks has almost opened up a new era. Through this integration of telecom industry and financial industry, new payment method can penetrate into people's life more quickly, and new consumption idea will be formed gradually.　　This is a lucrative "marriage" for both sides of the partnership. The bank's olive branch has once again extended an olive branch to telecoms operators. China UnionPay recently jointly established a mobile payment industry alliance with commercial banks, mobile telecom operators and handset manufacturers.　　Traditional electronic payments begin to extend to mobile payments, and market cakes are being made bigger. It is understood that the first group of members to join the industry Alliance, including ICBC, Agricultural Bank, CCB, Bank of Communications and other 18 national and regional commercial banks, as well as China Telecom, the two major mobile communications operators, including Nokia, Lenovo and other mobile phone manufacturers, as well as a number of smart card and security chip manufacturers　　, systems integrators, research institutes and other related institutions also joined. May 10, China Unicom signed a comprehensive strategic cooperation agreement with BOC in Beijing, and formally established a strategic cooperative partnership.　　At the same time, China Unicom and China's Ping An strategic cooperation, the two sides will be in the basic communications services, industry applications, cooperative development, finance and insurance, joint marketing and other areas of comprehensive deepening strategic cooperation, to establish a close partnership. Telecommunications operators and the banking industry began to cooperate more and more loudly, the pace of cooperation is also getting faster. China Telecom has also begun to co-operate with UnionPay in several cities to pay for electronic payments. According to China Telecom, the company has been with the Bank of China, the construction Bank, ICBC and other cooperation intentions, and selected in Ningbo, Zhejiang and cooperation pilot, set up a joint project team.　　China Telecom to launch the "Wing payment" mobile phone, will be integrated school-enterprise card, bus cards, industry cards, bank cards and other applications, to provide users with convenient, fast, all-round mobile payment services. The electronic payment of cake-moving payments has become a big cake in the eyes of telecoms operators and banks.　　According to survey data from Analysys International, as of the end of February 2010, China has more than 750 million of mobile phone users, is the world's largest mobile communications market, mobile Internet also exceeded the scale of 200 million, predicting the end of 2010 will break 300 million. As the communications industry experienced rapid growth, the banking industry also handed over a high score card. 2009 Card Merchants Breakthrough 2 million, networking POS terminals breakthrough 4 million units.　　The 2009 third-party mobile phone payment of 26.6 billion yuan data for the development of mobile payment industry has made a very good footnote. School of Economic Management, Nanjing University of Posts and telecommunications Wang that operators will pay in mobile phonesThe field of competition, "with the in-depth application of 3G technology, mobile phone communication, Internet, transaction and payment function has gradually been demonstrated, thus speeding up the financial payment industry and the Communication Service industries cross integration."　　"It was 3G that made the slow-moving phone payments ahead of schedule, and by the end of 2009, the total number of 3G subscribers in China had exceeded 13.25 million, and the momentum of rapid growth was still maintained." Ma, President of China Merchants Bank, said that mobile payment is the inevitable trend of future development, and CMB is also exploring cooperation with operators. The most important advantage of this business is the customer structure.　　He believes that the bank's customer base can accept mobile payments in the proportion of the banking sector is probably the highest. Electronic payments, especially mobile payments, are becoming the new favorites of today.　　This is also the reason why telecom operators have been paying for the mobile phone with bank cooperation. On the one hand, as new applications and services, mobile payment can attract more new users for operators, and the development of electronic payment can promote the upgrading of banking informatization, which is undoubtedly a great opportunity to develop big clients, on the other hand, it increases consumption and expands payment network and scale for banking.　　The early arrival of industrial upgrading is not a bad thing, not to mention the dominance of the industrial chain will be gradually strengthened in such cooperation. China Mobile does not appear in the new alliance.　　But that doesn't mean the cake has no part of the elephant. In March this year, China Mobile confirmed that it subscribed to 20% per cent of the Pudong Development Bank with a huge investment of 39.8 billion yuan, becoming the second largest shareholder but not participating in the day-to-day operation of the bank, which has been approved by both boards.　　For such a stake, investment banks generally speculate that China Mobile is to expand its presence in the electronic payment market. Still, the absence of China's move in the alliance has shown a strong competitive edge. Earlier media reports said China Mobile and Chinese UnionPay were waging a dominance battle over mobile payments.　　The report said that at present, the relevant departments are promoting the mobile payment standard system and related standards, China Mobile and Chinese unionpay have their own standards. This may be the reason. The establishment of the alliance actually moved the Chinese "cheese". For China Mobile, which has been deeply in the mobile phone payment market for many years, the right to speak is very important.　　Despite the competition, China Mobile has opted to join PU FA Bank in the mobile payment market. Pu FA Bank Personal Bank Headquarters general manager Liu Yixi revealed that the two sides of the early cooperation may be mainly in the field of mobile phone remote payment, which is Pudong advantage, the introduction of mobile will accelerate the development of the electronic banking business.　　The efficiency of cooperation can often be higher than our imagination. Although the standard issue has yet to be resolved, the market for mobile phone payments has been opened, and cooperation with industry is creating a future for telecoms operators and banks. Since the establishment of the mobile Payment Industry Alliance, China Mobile has invested in Pudong hair, Chinese unicom and BOC, and cooperation between different industries in the 3G era is becoming the mainstream mode, for operators of business-rich,Business innovation significance, speed up the layout of the financial information market, the competition will become the main theme.