The 5 big mistakes that the banks have to change

Electric Dealer Bundle Bank, bank giants are unwilling to do the intermediary, but the imagination is very plump, the reality is very bony; the balance of Bora, the banks began to worry about the launch of Baidu, the banks are still shaking their feet to see the world; micro-credit management, the banks are intimidated. Just a few months time, with the help of the balance treasure, Tianhong Fund leaped into the industry first. The internet giants are all over the financial sector, giving banks a place to sleep. Wen/Huang Originally don't want to write the Internet finance this piece, later or read a few information suddenly feel it, not comfortable, old yellow look at the second and will be the three article is to discuss the bank electric quotient This piece, this is the bank's pain foot. ICBC, CCB, People's livelihood and other banking giants have entered the electricity business, the result is quiet silence, premature death. Why? Huang has made five mistakes for your analysis of the bank's electric dealer. (1) Slow according to data shows: the construction of the bank's good and financial companies to prepare for a year to officially online, ICBC and e-purchase also need seven months before the online, Minsheng Bank of the electricity business to prepare three months after the resignation of the chairman of Iraq paralyzed. A bank is an industry as rigorous as the Germans, and countless decisions are made by building up a lot of data. There is no doubt that the banks are still unable to escape their fate. From the initial comments to the final decision, the old Huang estimated that it will take several months to discuss. And from the electric business platform model, scale, funds, personnel and so on need time to decide, so wait until the product real on-line, the market environment becomes quite unfamiliar. The truth tells bankers one lesson: Internet products and banking products are very different, the former is a new creative fast, the latter is stable. May 2013 business and integration of e-purchase online, and the June Ali balance Treasure online, began to turn the financial field, then Baidu also to be outdone, December officially online; in January 2014, Tencent Micro-trust in the financial management Qualcomm Online. Three internet giant products are in a very short period of time to complete product research and online, behind what? Because Internet companies understand the time of Internet products, Internet products must be implemented in the shortest time possible to produce the desired results. (2) mode of diversification of electric business model, the rise and fall of the electric business enterprise tells us a default mode: An electric business platform can only have one of the most suitable mode, banks to enter the electric business must choose a suitable model, but they do a system to support several models, all-inclusive, disorganized, The operation of electric business platform is also very headache how to operate. At present, old Huang see some of their external so-called internal news or data, can imagine the basic capital flow rather than the flow of shopping data, most people are clear. (3) the wrong opponent. With the internet giants strong in the field of banking, banks have been worried about the owners of the Chamber of Commerce to erode them, so most of the imaginary enemy of the bank's platform is Taobao, cat, Jing Dong and other electric giants, apparently they chose the wrong opponent. The cooperation between the Bank and the electric business is a complementary function, and the starting point of the bank's electric business should not be involved in the shopping field, otherwise it is IshingHimself covered with scars. From Ali balance treasure to choose a not well-known Tianhong fund, Baidu Hundred choose Huaxia Fund, micro-credit Wealth Management Tong Huaxia Fund, three internet giants agree to choose the Fund cooperation, and do not choose the Bank's Fund product cooperation, can think of a point is the bank of this product exclusion, Another point is that the bank believes that the balance of the interest rate is in the bank's money, so the balance treasure, such as entering the Financial Times are invariably on the bank's deposit fund interest rates and income comparisons, and then produce favorable influence speech. (4) Wrong data analysis each bank has a hundreds of millions of-range user base behind it, but from a bank perspective, does the user really need a platform for the electricity business? If the banks only do supply chain financing, then the banks do not agree, so this is the question of fish and bear's paw. Banks do not have to do before the electricity dealers do not think that they have how many users, for the bank of electricity, everything is zero, the user needs is really need to understand. Only in understanding the user needs, with its own user data to match, is the real users of the bank of electricity. (5) The cumbersome bank electric quotient platform all relies on own brand to advertise, therefore, the platform of the merchants need to undergo a strict check, but the application procedures cumbersome, long time, the merchant's entry is more due to the bank's Wei or partner's perspective; another application for holiday promotions is still not optimized for the process, All round applications are after the holidays, so what's the use of promotions? In the bank of the electricity business, the owner of the bank should take into account this point, all the things are simplified, can not use the bank's thinking to do electricity, the bank's rigor is far better than the power of the rigorous, but not the electricity business. As a user, it is good to see banks make changes, at least to change their older brother's mentality and make them more civilians. To the bank electricity quotient, the old Huang actually has several immature suggestions, sees the situation. If you can, will be in the next part of the old yellow look at the electricity business inside a simple chat. This article style is not professional, more is an idea of output, to blame words please skip. This article is the old yellow to see the Electric Business Column series articles, the author of the Electric Business observer Huang (micro-signal: wo8013520)