Suning Bank is not far away

Suningyun Business plan to bid for Suning Bank's news was confirmed, in the capital market caused unrest, Suning shares rose. Although the private capital bid bank still faces many policy barriers, the application process will inevitably twists, is a relatively long-term process, but the news still aroused great enthusiasm in the market.

Industrial capital in the process of transformation, embracing finance is inevitable, this point has been seen in Europe and the United States in the past century examples. As far as Su Ning is concerned, as the circulation of large enterprises, there is sufficient capital adequacy, but also the real demand for the bid banks. Because Suning is in the process of transforming from traditional enterprise to new economic model, it tries to create a commercial retail open platform on line and offline, which provides the service support of it, logistics and finance. In this ideal state, the bank as an important part of the success of this open platform has a crucial impact.

Su Ning can skip the road of Jingdong Mall, directly construct a big platform, attract businessmen to join, and Suning as a platform provider master entrance? The answer is no problem. Suning's Advantage online, its more close to the real consumer demand for consumer data, only a short time to achieve a standardized logistics system, in accordance with international standards to build IT system, although it seems imperfect, but can be in the short term more than the upper floor. Now faced with the real problem is, how to use suning this service provider, to join the small micro-enterprises to provide credit backing to better serve the business, to solve their worries.

On the level of perfecting industrial chain, Suning needs not only third party payment and Internet financial products, but also a bank. But the current difficulties, still lies in the strength of policy opening, whether the establishment of private banks, such as the State Council guidance advice can be in a short period of time, the business scope of private banks, risk control and so on, whether it will bind their hands and feet, these are to avoid the challenges of the past. Can only say that Su Ning is working hard, trying to catch the first bus, first car to say.

Last month, the State Council issued a "Gold 10", has made it clear to try to support private capital launched the establishment of the bank. The country is very cautious on this issue, the first batch of private banks may not exceed two, will take the lead in the economy developed Jiangsu first pilot. In terms of conditions, whether it is capital or other conditions, suning fully comply with policy requirements, is very promising to pick the first private banking licence of a strong candidate.

If Suning Bank can be successfully established in the short term, will no doubt for Suning's cloud business strategy icing on the cake, in E-commerce business to occupy the market third of the background, trying to fight prices and other market means to maintain high growth situation, and eventually surpass Jingdong Mall or even the cat, for Suning is no possible. But through to the service consummation, the line on-line fusion, the open platform each support strength enhancement and so on measures, suning can still be a war.

Line with the same price, is suning implementation of the cloud business strategy, the line under the advantages of line under the online sharing an important move. The construction of Logistics Base and the improvement of logistics management is another important measure to do well the supporting service of electronic commerce and enhance the user experience. Improve the business service system, the open platform for all aspects of service to be meticulous, is more important initiatives. The appearance of Suning Bank is just one of the key gaps in its open platform services.

Suning's future direction will no longer be a retailer, but a retail service provider. The process of changing the role will have a relatively long process, and there will be enough time for it to improve its own weaknesses in the service. If Suning is really able to provide effective services to businesses, it is also very helpful to enhance the stickiness and customer loyalty of its open platform.

Since Suning is the first enterprise to embrace the new economy in the traditional enterprise, its determination to its own internet is also firm and incomparable, from the policy level, this first private banking licence, for Suning has great hope. The significance of this is that the state will encourage the active transformation and Internet of traditional enterprises, and will certainly give policy support and encouragement to domestic enterprises which have the courage to try and meet the policy conditions.

Suning Bank, perhaps not as far as expected, if all goes well, Suning's potential advantages, may be further by the market feel and recognition, and in the capital market is sought after.