Suning small loan will be with Suning Yi Bao, Huaxia Tong two third-party payment company together

Suning small Loan "will be with Suning Yi Bao, Huaxia Tong two third-party payment company together, to build its overall financial services system for Suning appliances and suning easy to buy the line under the integration of development to provide financial support"

Wangyongjian

August 15, Suning easy to buy on the 4 anniversary of the new round of electric dealers "8 15 war" has been unable to attract the most attention. And after Alipay launched Balance treasure, Suning Yi Bao recently to the SFC to apply for payment licences, but the most exciting capital market.

Affected by the news, since August, the holding of Yi Pay 100% equity Suningyun (002024.SZ) shares have rebounded 20%.

Although there are brokers analysis that Su Ning's application for a license plate is not very difficult, easy pay about 25 million of the user size is not enough to support its platform operation, but optimists believe that Suning's biggest advantage lies in its online and offline entities shop O2O linkage, suning line of more than 1600 stores of radiation power can not be underestimated.

As early as April 2012, Suningyun 2011 Years of performance, Suningyun vice chairman Weimin has revealed that the registered capital of 100 million yuan Yi Bao third-party Payment Licence application has completed the preliminary preparation and audit work, into the publicity and approval phase.

Taking into account the Yi pay is the second third party to prepare for the application of a Third-party payment license, and then, Suning easy to buy although the growth of rapid, but it is most easily for the outside world and Suningyun business Line under the real shop "left and right", therefore, easy to pay attention is not high.

Suningyun in the first third-party payment company is Anhui Huaxia Tong Payment Co., Ltd. (hereinafter referred to as "Huaxia Tong"). Huaxia Tong in 2011 received a prepaid card license, mainly in Anhui Province to provide prepaid card services.

Suningyun business Results show that May 11, 2011, Suningyun and Wuhu Construction Investment Co., Ltd. signed the "Property rights transaction Contract", the capital contribution of 80 million yuan, the latter held by the Wuhu million-linked Intelligent Card Co., Ltd. 98.4% shares. On the same day, Suningyun owned 60% shares of Suning easy to buy and Wuhu Jinghu Construction Investment Co., Ltd. signed the "Property rights transaction Contract", the capital contribution of 9.9 million yuan, under the Let it hold the Huaxia Tong 9.9% shares. The same year May 16, Suningyun and Wuhu network Huitong Electronic Technology Co., Ltd. signed the "Equity transfer Agreement", the same 9.9 million yuan, by let Huaxia Tong 9.9% shares.

At that time, Suningyun seemed to have not fully recognized the importance of third-party payment licences. After all, prepaid cards are good for commercial pre-sale, but it's hard to take a strategic role like Alipay's on Taobao.

However, a year later, in June 2012, the pay third party payment licence was approved, and Suningyun was ready to enter the financial business fully.

Earlier, as early as August 28, 2009, Suningyun and Jiangsu Bank Co., Ltd. signed the "share agreement" to 540 million yuan to subscribe to 1.79% stake in Jiangsu Bank. Only from the shareholding ratio, Jindong first-time shareholding in the bank's action amplitude is not large.

But until July 2011, Beijing Suning Electric Appliance Co., Ltd. as a representative of Beijing Tongzhou District Enterprises, funded 9 million yuan, with the National Development Bank and other regional enterprises to launch the establishment of Beijing Tongzhou State-owned Township Bank Co., Ltd., shareholding 9%, and Suning in Beijing's Electric Logistics distribution center Drop Tongzhou, Suningyun, chairman of the Jindong around the electronic business to seek the financial "whole finance" concept has been ready.

December 5, 2012, Suningyun said, Chongqing Suning Microfinance Co., Ltd. (hereinafter referred to as "suning small loan") will be set up by 300 million yuan, of which, Suningyun group accounted for 25% of the shares, Suningyun, a wholly-owned Hong Kong subsidiary-Su Suning accounted for 75% shares.

Suning small Loan "will be with Suning Yi Bao, Huaxia Tong two third-party payment company together, to build its overall financial services system, for Suning appliances and suning easy to buy online under the integration of the development of financial support," Suningyun said.

In the previous announcement, Suningyun said, Yi pay "in addition to the easy purchase of suning to bring more abundant capital flow, suning Yi Bao Huge membership information base, for Suning easy to buy research network consumption behavior to achieve precision marketing created conditions." But the Suning Yi Bao to apply for a fund licence, it further shows that Suningyun business to more financial products and services to deepen efforts.

"As a retail faucet, before, suning cash flow has been to the Bureau to enter the real estate, but now it is aimed at the financial sector." Independent Observer Liang said.