The bank "aggravating" the electricity market accelerates the layout intermediary business transformation

Commercial newspaper reporter Liang

Chongqing Commercial News in the electric business promotion battle fierce pitched, with abundant funds and rich resources of the banks began to kill into the electric business industry "aggravating." In order to compete for customers, the bank has even launched a platform for the electric business, including platform-free fee, free annual fee, such as a "complimentary lunch" to attract investment. Yesterday, the Commercial newspaper reporter survey found that, in the near future, Huaxia Bank (600015, shares bar) also joined the Bank of the Electric business camp, launched the "Platform finance" business model, which also makes the bank of the electric business sector reached nearly 10.

Yesterday, the commercial news reporter learned that the electricity market this cake is attracting more and more commercial banks grab food, according to the commercial newspaper reporter statistics, at present, including CCB, Bank, Citic (601998, shares bar) and other nearly 10 banks operating online mall.

There are two main models for banks to do electricity business. One is the commercial bank for their own customers, or a certain group of specific customer groups to provide a business platform, to commercial banks built points mall, credit Card Mall as the representative. The other is a pure electrical business model, sourcing from all parties, consumers do not limit the bank's customers.

Commercial news reporter learned that the state-owned banks in the Bank of communications (601328, shares bar) earlier launched a set of enterprise Pavilion, Commodity Museum, collection and pay museum and the financial museum in one of the "exchange of the exchange." Construction Bank (601939, shares bar) since the establishment of the electric business platform, also subdivided into a personal mall, corporate mall, Room E pass and other plates, but also integrated the bank's own advantages of products, such as personal home loans.

The Citic Bank in the joint-stock bank set up the "internet Banking Department", in the hope of integration of the company and retail electronic banking business, specializing in the sale of insurance, funds, financial products, microfinance and other financial products, facing an open customer base, including non-CITIC bank customers. Huaxia Bank recently launched a "platform finance" business model.

Why did the bank try to "get electrocuted" to aim at the electric dealer cake? In the eyes of bankers, the future of the Internet will be a position of great value to the banks. In order to compete for customers, in the beginning of investment, the financial power of the powerful business enterprises also played a "price war", is intended to reduce the intermediary cost of network sales of merchants.

Construction Bank of the good and financial platform to launch a series of preferential measures, including platform-free fee, free of charge, technical maintenance-free fees, free transaction commission fees. In addition, as long as June 30, 2013 before the settlement of the "transfer of the" Commodity pavilion Traders, the transaction rate is 1%, the rate is far lower than the traditional electricity dealers.

A large state-owned commercial bank electric business platform marketing staff frankly, and the traditional electric dealer, the bank in the short term is not want to earn money through this platform, but also want to support enterprises bigger. "The banks ' cross-border electricity dealers are the performance of their efforts to develop intermediary business, can make the income of the bank more diversified, increase the non-interest income of the bank, help to push the bank to transform," financial expert Zhao thinks so, who can quickly enlarge the scale of the customer of the electric dealer of the bank, achieve big enough transaction volume, The expansion of the brand awareness of the banking platform may be a good opportunity in this round of competition.