People's livelihood electric business play dismantling: Open data based on the consumer and business-to-business

At the Internet Finance Summit yesterday, Yin Long, chairman of Minsheng Electric Power, interviewed the media for the first time to disclose the practices of the Minsheng electric trader. He said that Minsheng will do two things, one is E-commerce, and the other is internet finance. On the bank side, not only with the Minsheng Bank, but also with other banks.

Minsheng Electric Business was established in August this year, the data show that the company's founder for the Minsheng Bank of the seven major Non-state shareholders and Minsheng Asset Management Co., Ltd., the seven companies in charge of the capital, including Dong Wenpei, Liu, Guo, Shi Yuzhu and so on. But because the business is not yet online, the outside world did not know its specific mode of operation.

Open data based on both the Business-to-consumer and the business-to-business

Minsheng Electric Business Executives Zhangxiaojun Tencent Technology, Minsheng to do business and business-to-business E-commerce mode two.

Among them, the Business-to-consumer platform will take a B2B2C model, integrating high-quality vertical business-to-consumer and quality retailers.

But Minsheng will not do all-inclusive platform, but for the market segment, positioning high-end, the partners have a higher access threshold, not with the cat, Beijing-east head-on competition. In addition, each subdivision area will generally choose an exclusive partner, so as not to fall into the mire of price competition.

The business-to-business business emphasizes supply chain synergy and promotes the efficiency of the whole supply chain around the upstream and downstream enterprises of the core enterprises. On the Business-to-business platform, the concept of "channel" will be established. For example, Quanzhou is listed as a clothing sports channel business base.

If the Minsheng and business-to-business business goes smoothly, the customers on these two platforms are customers of the Internet financial business of CMBC. On the one hand, the high-end personal consumers attracted by the consumer to provide financial services and wealth management services. On the other hand, the core enterprises around the Business-to-business platform to go up and down to provide supply chain financial services.

Minsheng Electric Business Chairman Yin Long stressed that Minsheng and Taobao, the cat is different. "Traditional electric dealers are basically ' free-range system ', build a platform, sellers to open shop." This model is suitable for e-commerce, but not for internet finance. The world's financial institutions, including banks, securities, insurance, the common feature is ' captive system ', the financial, commercial, ancillary services together. ”

"Through Minsheng's brand, to help businesses sell things, companies have money, the risk of bank loans to decline, through the Minsheng data, returned to the bank, the new increase in bank loans up." Yin Long This explains the logic of the Minsheng electric trader.

In the area of data collection, CMBC will adopt the method of synchronous collection under line. Ali small loan completely rely on online data analysis, banks do is offline. The two sides approved large data including online data and offline data, and several banks want to work with Ali Group, but the problem with this mode of cooperation is that both sides are unwilling to share their data. ”

To gather small and medium power dealers and banks

Zhangxiaojun introduced, Minsheng Electric and commercial small and medium electric business Financial Union is the practice, by the people's livelihood electric business lead, United do not have the ability to do their own internet finance of the small and medium-sized electric business, together to do Internet finance, the equivalent of an interest union. "The Cat, Beijing East oneself can do internet finance, but each small and medium-sized electric business data is insufficient, cannot do by oneself, can unite to hold a regiment to keep warm." ”

Another alliance is the small and medium bank electric Quotient Alliance. E-commerce for technology development, supply chain development requirements are very high, is a burning money industry, and small and medium-sized banks do not have the ability to bear high costs. Minsheng will provide services such as system building for small and medium-sized banks.

In addition to the above two alliances, Minsheng is also planning "Community strategy" and "small Micro strategy". Community strategy, around the community residents, to provide basic necessities such as convenience services. Small micro-strategy, for small micro-enterprises, to provide a full network of retail technical support, warehousing logistics and other ancillary services.

Due to the people's livelihood electric business platform positioning high-end, some small micro-enterprise products will not be sold on the Minsheng platform, but may be in the days of cats, Jingdong, when the big platform sales. If the use of multiple platform sales, you need software system support, such as product multi-platform release, price multi-platform synchronization, inventory multi-platform synchronization, Cross-platform Order Processing, warehousing services, logistics services. These are within the consumer electric business plan.

In addition, CMBC also plans to provide online consulting services for small micro-enterprises, such as tax, finance and legal affairs. In the above process, Minsheng Electric Chamber of Commerce to find a small micro-enterprises with high credibility to provide financial services.

Operation will be independent of Minsheng Bank

Minsheng Electric Business was established in Shenzhen on August 29, 2013 with a registered capital of 3 billion yuan. The investors include Minsheng Bank Asset Management Co., Ltd., Shanghai Fosun Industrial Technology Development Co., Ltd., Giant Investment Co., Ltd., China Pan Hai Holding Group Co., Ltd., China Shipowners Mutual Insurance Association, Southern Hope Industrial Co., Ltd., Fook Shin Group Co., Ltd. and Orient Business Investment Corporation. In addition to bank assets, the remaining seven companies are also the top ten shareholders of Minsheng Bank.

Yin Long said that the people's livelihood of the electricity business from the legal and Minsheng Bank independence. However, due to the high coincidence of shareholders, the HKEx asked Minsheng bank to disclose relevant transactions. August 28, Minsheng Bank made information disclosure.

"Some people ask whether the Minsheng Bank will do the transfer of benefits?" Don't worry, it doesn't make sense for my team to do it. Our goal is really to make internet finance, e-commerce standards enterprises. "Yin Long said.

One internet financier believes that the challenge for Minsheng is traffic. If you are not a traffic portal, it is difficult to get a lot of cheap traffic distributed to small micro merchant;