Minsheng Bank leads the "Minsheng Electric dealer" to pay the capital 3 billion yuan

In a job posting, the Silicon Valley network, Minsheng Bank, said today that the seven main non-state shareholders of Minsheng Bank and Minsheng Banking Corporation (hereinafter referred to as "Minsheng Electric Trader") are to be registered in Shenzhen before the sea, with a capital of RMB 3 billion.

It is understood that Minsheng's founder of the Minsheng Bank of China's seven major non-state shareholder units and Minsheng Asset Management Co. Seven main non-state shareholder units are responsible for Dong Wenpei, Liu, Guo, Shi Yuzhu (Weibo), Lu Zhiqiang, Hongwei and others.

Minsheng Bank is the first National Commercial bank in China to fully enter the financial services of small micro-enterprises, and is also one of the largest financial services organizations in the world. Analysts believe that under the tide of internet finance, Minsheng Bank hopes to try a new type of risk control system through the integration of E-commerce model.

or by Ali Financial revelation

The employment revelation of Minsheng Electric trader mentions: "Company based on small and medium micro customer demand, organic integration of e-commerce and financial activities, the realization of industrial chain transaction efficient matchmaking platform for the first-class market-oriented, to small and medium-sized enterprises and individuals to provide a sound information platform, service platform, matchmaking platform, do the city platform, such as comprehensive electrical and financial services. ”

Peer-to-peer Network loan favorable network CEO Liu Yannan that the people's livelihood or by Ali Financial revelation, the model or with Ali small loans similar. He speculated that small micro-merchants can sell goods in the Minsheng electric business, and the people's Livelihood dealers use the data of small micro merchant transactions to carry out a certain percentage of credit.

"Historically, there has been no particularly good risk-control approach to providing services to small microenterprises." Ali came down a path. If you master the running water of the enterprise, you can save a lot of manpower cost. "Liu Yannan said.

The advantage of Ali's small loan is the risk control, based on the seller's data, improve the efficiency of lending. Ali small loans to provide data shows that as of the end of the second quarter of this year, Ali small micro-loan accumulated service customers more than 320,000, the cumulative loan over 100 billion yuan, non-performing loan rate of 0.87%.

CMBC is the first commercial bank to promote small micro-finance strategy. Minsheng Bank President Hongzia on July 15 this year, "the National small micro-enterprise financial Services experience Exchange teleconference," said, after more than 4 years of efforts, Minsheng Bank accumulated small micro-enterprise loans 950 billion yuan, service small micro-enterprise customers 1.4 million.

From the earnings of Minsheng Bank, small micro-business has become the earnings highlights. In the 2012, Minsheng Bank's retail business contribution to total profit has risen from less than 20% in the past 3 years to 29.1%, and the contribution of small micro-business is not as high as 68.9%.

Minsheng Bank has stepped up its attempts to finance the Internet before setting up a Minsheng power supplier. This July, Minsheng Bank online cloud financial platform, provide the foundation for large data analysis; Early this year, with the HC network to reach a cooperation in the HC network Business-to-business platform has accumulated a certain network credit small micro-enterprises, in the absence of collateral, no guarantee of the situation, access to the Minsheng bank up to 200,000 yuan to 500,000 yuan of the credit line.

Gimmicks outweigh substance?

Minsheng's original intention is to fully service small micro-customers, "business" and "financial" integration. What impact will this have on the Internet financial sector?

Liu Yannan that the impact of the people's livelihood on the industry is limited. As the electric business platform, the main mission is to help small micro merchants sell goods, finance can only do ancillary services. Small micro merchant settled in, may want to sell goods, by the way borrow money turnover. The scope of power business has been clearly divided, and Minsheng has no particular competitive advantage. If you are not a traffic entry, it is difficult to get a lot of cheap traffic distributed to small micro merchants. ”

He believes that if "business" is not open, in the financial side, is bricks.

"Small micro-enterprises must be circled, and there will be more sales for them before they come." And it is impossible to do, the Minsheng Bank does not lend you money, but to the people's livelihood, the electricity business will lend you money. It is impossible. Liu Yannan that the people's livelihood electric business gimmick more than the essence.