"Platform, finance, Big Data" three big future development strategy

Alibaba has earlier identified the "platform, finance, large data" three future development strategy, and Jingdong Mall in the beginning of the year to determine the "self-electric, open services and data finance" three major future development plans, both sides covet the internet finance this big cake. In the first two days of the platform partners meeting, Liu said that the Beijing east has set up a financial group, the future will open to pop open platform.

Prior to this, the Beijing-East line of "supply chain finance" service, the first attempt to internet financial services. The essence of "supply chain finance" is to make use of the credit and scale of Jingdong to guarantee the merchant, and help the merchant to borrow from the bank conveniently and smoothly, instead of borrowing the money from the merchant. According to the 21st Century Economic Report, Beijing-east "supply chain finance" has accumulated about billions of yuan, these loans are not more than 1 months of short-term loans, lending rate of less than 10% (annual).

However, both in terms of scale and income, Jingdong's "supply chain finance" is far less than Alibaba's small micro-finance business. In the establishment of the "Supply chain finance" service, there are analysis that Jingdong will not be satisfied with the only guarantee, sooner or later will enter the microcredit. In the pop conference, Beijing East Finance Vice President Fan Wei clearly said that Jingdong Mall in the future will also provide small credit loans, water loans, UNPROFOR loans, bills cash, accounts receivable financing, domestic and foreign factoring business and other financial services.

According to industry insiders to the "21st Century Economic Report" revealed that the Beijing east of the suppliers about 100,000, of which 50% of the demand for loans. At present, the average amount of loans issued in 2 million-3 million, a large amount. East has a lot of 3C suppliers, capital scale, cash flow is more tense, but the business flow health, so pulled up the Beijing-East finance loan quota.

At the same time, Beijing-East open platform business Director 蒉 Ying Chun said that the end of this year's own pay will be online, the spear directed at Alipay. According to 蒉 Ying Chun revealed that the Beijing-east payment will be thoroughly through the buyers and sellers, fundamentally enhance the user experience. And now pay treasure some features, such as red envelopes, wallets, payments, and even similar "balance treasure" such products, Jingdong payment will be available.

Like Ali's financial services to serve its own business, Jingdong's financial business will also be an important chip in attracting open platform sellers. According to Liu's plan, the future Internet financial business will become the new growth point of Beijing-East, together with the open platform, to create a complete Beijing-East ecology.