Restructuring pressure poured into 18 banks such as Bank of business, such as the wading market

With the explosion of information technology, commercial banks have been speeding up the pace of technological innovation. On the one hand, the banks competing for the mobile payment market, on the other hand, commercial banks for E-commerce this cake favored, including BOC, CCB and many other banks have launched E-commerce platform and products.

China's E-commerce Research Center monitoring data showed that, as of June 2012, the Chinese online purchase of users up to 214 million people, an increase of 23.7%. It is expected that by the end of 2012 China's online shopping users will reach 273 million people.

The industry to NetEase Finance said that commercial banks involved in E-commerce market is a way of banking business transition to the intermediary, through the payment of settlement and customer channels and other resources to do strong business, a certain degree can lock customer resources, improve the bank's earnings.

Glue Customer Resources

According to NetEase Financial statistics, at present, including BOC, CCB, the bank, Merchants Bank, ICBC, Everbright Bank, Societe Generale and Minsheng Bank, including 18 banks operating on the Internet Mall, the category covers financial products, food, home appliances, jewelry, cosmetics, clothing, shoes and hats and other fields.

There are two main modes of commercial banks operating electronic commerce, one is for their own customers, or a certain class of customers to provide an operating platform to commercial banks built points mall, credit Card mall as the representative; another mode is the customer is not limited to the bank, sourcing diversification, with the characteristics of a pure electrical quotient, which, On June 28 on the line of the construction Bank of the good business platform model for the typical representative.

CCB Electronic Banking Department general manager Xu to NetEase Financial said, good and financial business platform since the line, the consumer turnover is better than business-to-business, the current E-commerce platform is mainly focused on customer experience, product layout and other basic aspects of the operation.

In addition, BOC in the electric business of the pace is also further accelerated, it is understood that e-commerce cloud services, O2O service model (online business promotion), mobile E-commerce Solutions, the electric business community platform and online financing platform services will become the future of the Bank of China's key focus point.

As for the development of the bank's electricity quotient, the market personage thinks the bank has the congenital superiority in the Cross-border electronic commerce domain. Jinlin, an analyst at Orient Securities Banking, told NetEase Finance that the advantage of the commercial bank's electronic commerce was its natural payment and settlement function and customer channel advantage.

A Bank of China electronic Banking department concerned also pointed out that banks in the financial supervision of the inherent advantages, on the one hand, the bank's credit is the most recognized, on the other hand, the exchange of funds and information flow separation, transaction funds in the closed banking system, can effectively improve the security of transactions.

China e-Commerce Research Center released the "2012 (China) E-commerce Market Data test Report" shows that, as of June, China's e-commerce market turnover amounted to 3.5 trillion yuan, an increase of 18.6%, E-commerce service enterprises up to 38,780, the year-on-year growth of 8%, E-commerce service enterprises are mainly distributed in the Yangtze River Delta, the Pearl River Delta and Beijing, Shanghai and other economically more developed provinces and cities.

Among them, according to China's E-commerce research Center monitoring data showed that as of June 2012, China's business-to-business E-commerce market transactions reached 2.95 trillion, an increase of 13%. Business-to-business E-commerce service companies up to 10,950, an increase of 7% per cent, growth slowed down, the number of companies, Consumer-to-consumer and other electronic business models have reached 24,620, up from last year's increase of 20.1%.

"Banks have it attributes", the governor of the Bank of Ma more than once in public to express this view, he believes that the technological revolution of the banking industry as air, a moment, the transformation of the bank will play a great role in promoting. And the merchant bank's attitude towards the electric business is also the best corroboration of Ma's view.

Ding, vice president of the Merchants Bank, admits banks should seize the electric business, and commercial banks involved in the field of E-commerce is mainly aimed at locking customer resources, stability, bonding and customer service, improve customer loyalty, "electrical products can help us to obtain more customers, but also to improve the use of credit cards and other bank cards, Thereby raising the bank's earnings. "

Intermediate Business Transformation Breakthrough

When China's banking industry blew the Horn of reform to break the traditional profit-making model, the bank's electronic commerce model appeared to be a transformation direction of the bank's intermediary business.

Haitong Securities banking analyst Zhang Minhua to NetEase Finance, said, E-commerce market is huge, for this emerging things, banks want to seize market share is also very normal, in the context of strong customer resources, vigorously develop e-commerce is also to promote intermediary business transformation of a move.

The bank's electric business is the bank to expand intermediary business, break the traditional profit model of the transformation direction of this view has been recognized by scholars and experts. Guo, director of the Banking Research Center at the Central University of Finance and Economics, also pointed out to NetEase finance that with the quickening of the interest rate marketization, the bank's way of earning high income by high interest difference is getting narrower. In this case, the bank to change the profit model has become a problem to be solved, banks across the border to do the electricity business is out of such a consideration.

Zhao, an expert on international finance, has stated publicly that E-commerce is essentially an intermediary business. The banks ' Cross-border electric power business is a manifestation of its vigorous development of intermediary businesses, which can make the bank's income more diversified, increase the non-interest income of banks, and promote the transformation of banks.

Compared with the traditional electric business, the business of the bank is also extended to the financing loan field, and the construction Bank of the good and the business model is the representative of this business, for enterprises and individuals to provide a full flow of online financing services of the electric business platform, it seems more than simply to open the "online mall" supplementary credit and debit card business functions have been further played.

China E-commerce Research Center monitoring data show that the first half of this year, China's E-commerce financing incidents in total 25, of which 24 of venture capital, the total amount of more than 5.96 billion yuan, IPO 1, the total amount of capital raised 760 million yuan.

Xu to NetEase financial frankly, CCB to do a good job in E-commerce market determination is very big, will further this part of the business bigger and stronger.

For banks to do a good job of electrical products, CMB seems to have its own unique insights, to seize the appropriate products to seize the market opportunities. "CMB will focus on promoting the sale of luxury goods in the field of E-commerce, mainly using the CMB card and credit cards, we do the electrical business is the most important is that customers use our bank card in our own electrical business to spend, in turn we can provide a good service to customers, rather than using another bank card. "said Ding.

Liu Gallong, general manager of CMB's credit card center, said merchants Bank will not do Taobao-type electricity quotient, in that mode, economies of scale and distribution are very important, the merchant bank only to do standardized electrical products, distribution is very low, "including travel and our business card bonding for a long time, we only do with the main business highly related to the electrical business, In any case, we will not build another Jingdong or Taobao. "

The report of the 16 listed banks showed that, by the end of June, 16 listed banks had recorded a total of 235.337 billion yuan in fees and commissions net income, and four large commercial banks had maintained single-digit growth and slowed markedly. Insiders pointed out that, in the profit slowdown, commercial banks through business innovation to explore new growth point should not be limited to the slogan, but need to implement to action.