Shun Fung began to try to accelerate the opening of the Territory in the financial sector

Absrtact: All along, Shun Fong (hereinafter referred to as Shun Fung) are a courier company's brand impression known to the outside world. But as Shun Fung body with the Internet label more and more, more and more territory, its face is increasingly blurred. Today's Shun Fung

All along, Shun Fong (hereinafter referred to as "Shun Fung") are a courier company's brand impression known to the outside world. But as Shun Fung body with the Internet label more and more, more and more territory, its face is increasingly blurred.

Today's Shun Fung is a courier company? Logistics company? Financial payment company? Or a power company? Obviously has not been simple to define, in the rapid layout of Express, electrical business, logistics, Shun Fung and began to try to accelerate in the financial field to open the territory.

Tencent Science and technology learned that recently, Shun Fung's financial platform-Shun Yin Finance officially received by the Central bank issued by the bank card receipt of a single licence, in the overall financial transaction business forward one step.

At the same time, Shun Fung also combines its own courier services, targeting banks and insurance institutions, accelerated in the vertical financial services business area layout. Financial transactions, a primary financial services, since the Shun Fung financial curtain slowly opened.

Prior to that, Shun Fung has been low-key registered "shun Fung Bank", "Shun Fung pay" and other financial domain names, the payment of financial systems such as the perfect, for Shun Fung, is also expanding the product line to make full use of resource capacity of the inevitable choice. Plus in the fresh electricity business, cold chain, O2O, etc. layout, shun Fung alternative reverse attack the power of the strategic picture is increasingly clear: card position, line under the Cross-border integration and internal synergy.

Despite the official calibre, Shun Fung's financial trading business is purely internal services. But if the development is smooth, hand in hand the two big third party to pay the licence of Shun Fung, the future or will to Ali, Jingdong, even the entire electric business industry to form a certain degree of threat.

Payment license and Next city financial transactions accelerate integration internally

2010 Shun Fung launched the payment tool "Shun Fengbao"; in December 2011, Shun Fengbao officially received the central bank issued a third-party payment licence-"Payment business license", valid until December 21, 2016, its payment business belongs to Shenzhen Network Technology Services Co., Ltd., and Shun Fung's boss Wei owns " Taihai investment "99% equity.

Recently, Shun Fung also received a third party payment in the field of another license-bank card receipt of a single licence. But this does not belong to the new business, but is a new content change, its business is still Shenzhen network technology Services Limited.

The so-called bank card receipts business, refers to the bank and non-financial payment institutions, such as receiving institutions through the reception terminal for the special merchants to accept the bank card (including credit card) and the completion of the relevant funds settlement services.

Third-party institutions in the receipt business, mainly rely on receipts, to do large-scale, between the bank and the merchant to eat a difference to profit.

There have been rumors that Shun Fung to obtain the corresponding banking licences, or will launch virtual banking business, speed up the expansion of foreign payment business, the official denied that Shun Fung, "there is no such thing." ”

According to Shun Fung Financial trading platform-"Shun Yin Finance" an executive said: "Although the two major Third-party payment licence protection, but Shun Fung's financial trading business is mainly purely internal services, is an integrated upgrading of the intensive functional system of a tool." And the bank card receipts are aimed mainly at Shun Fung's customers, especially for the cooperation of the electric business enterprises, to provide payment, supply chain financing and other services. This tool for internal payment operations is now accelerating integration and will not be external for two or three years. “

However, the acquisition of bank card receipts licence, but also to a certain extent for Shun Fung future into the Third-party payment market paved the way. After all, the competition in the third party payment market is becoming more and more powerful. With a licence, the future of shun Fung can always exert the external payment and other financial services.

Financial services accelerated layout back-end docking Hey, guest.

It is understood that Shun Fung has a total of 9 major divisions, including Shun Yin Finance as a platform-type financial trading department. At the end of last year, Shun Fung also set up a vertical financial services sector----fast transport financial Insurance Services Division. This means that at present there are two major business departments in Shun Fung, but the former focus on the platform type, and the latter focus on the logistics chain for banks and insurance agencies.

Shun Fung, Vice President Wang Lishun revealed that this July, Shun Fung officially launched for the banking industry-specific logistics services products-"special delivery", but also for some bank Platinum direct distribution. As shown below, the bill of exchange process has become a major business opportunity for Shun Fung Financial services.

"The physical transfer of the bill of exchange has become one of the banking logistics needs, but also become a market opportunity." And Shun Fung Rapid Transit Financial Insurance Services Division is to do financial insurance industry logistics experts. Wang Lishun so stressed.

It is worth mentioning that, in May this year, Shun Fung focused on the introduction of online shopping service community Shop Hey guests. According to Shun Fung insiders revealed that in addition to express logistics business, virtual shopping, pre-sale, trial wear, "Hey Guest" also has ATM business. Insiders speculate that Shun Fung Hey customers will also let Shun Fung's financial services landing.

Wang Lishun told Tencent Technology: "Under the online community, financial services demand is huge, in the future, the rapid delivery of financial and insurance services will work together with the store to play the function of financial services." One of the Hey customer stores to provide channels, as a front-end, service after the end we do. “

In the opinion of analysts, Shun Fung's current financial business, although still small, but in the future if the expansion or will and Ali and Beijing East has a certain degree of competition.

Prior to MA (micro-BO) rookie network does not do express, but through a three-link to Monopoly express downstream industry, to enhance the efficiency of express delivery, so that the express industry pull into the same ecological chain. After all, Ali Bao's express business occupies an absolute share. This June, Ali and China Post reached a strategic cooperation, China Post will be the Ali Department of Logistics Information Platform Rookie Network open its a hundred thousand of service outlets, jointly provide social and other services, do not exclude the same exerting force on financial transactions and financial services business.

In the case of Jingdong, it has built its own logistics as its core competitiveness and has a layout in the financial field.

If you look at it from a big angle, in a supply chain system, from Shun Fung optimized fresh electricity to the logistics to control the Feng Yun and financial Services, Wei and Ma, Liu (Micro-bo) competition between the inevitable, but now, both sides more level or cooperative relationship. Future specific trends, but also need to do and see.

At present, Shun Fung do is not the traditional sense of internet finance and external financial transactions, Shun Fung financial future closer to the supply chain, especially in customer payment settlement and financial delivery based on the service level, which will be the main direction of its exerting force.

When Shun Fung gradually put its traditional commercial customers to pay, financial services capture, Shun Fung's courier business, collection and payment business will all be integrated into their third-party payments and other financial operations, then will also let its final commercial layout again enlarged. And when Shun Fung Express and Shun Fung optimization, Shun Fung "Hey Customer", shun Fung financial services such as real integration of the day, the power of Shun Fung can be truly highlighted.