The bank burns the money to dig the electricity merchant resources

Recently, the Construction Bank (601939, shares bar) in 6 days, organized 16 Media Observation Regiment, the soldiers are more than the road to Jiangsu, Fujian, Guangdong and other regions to promote its June launch of the good and financial business. The importance of E-commerce platform is evident.

Economic Herald reporter in the interview learned that not only the construction bank, including the Bank of China (601988, shares bar), Bank of Communications (601328, shares bar), ICBC (601398, shares bar), including several banks have also built their own E-commerce platform. At the same time, some banks are also eager to enter the field of E-commerce.

Interviewed by the leader of the industry insiders believe that the bank is crazy to build electricity business platform in addition to open up new businesses, more fancy is to enter the platform of the enterprise cash flow brings benefits. Bank's platform for the electric business

Our platform is now free of fees such as shop rents, trading commissions, promotional fees, etc. "19th, the reporter in the identity of the customer call the construction Bank of good business platform, marketing personnel Wang in the telephone to Herald reporter said," We and the traditional electric dealer, the traditional electricity trader relies on this platform to make money, and we develop the electric business The purpose, is in order to excavate the good customer through this platform, Increase customer stickiness to banks through subsequent financial services. Therefore, we do not want to make money through this platform, but hope to support enterprises bigger. ”

In order to let the reporter entered its electric business platform, Wang thrown an attractive "olive branch." "If you want to transact a loan, you can apply directly on the website." And the general small and medium-sized enterprises to deal with loans, need to submit relevant information, processing time in about 2 weeks. ”

Herald reporter Login Bank of good financial business platform found that the online mall contains business mall, personal mall and room E through the three plates, for businesses and individual customers to provide online transactions, settlement payments, financing loans, funds and other integrated financial services. From the dinner reservations to a variety of daily necessities, products are more complete.

Subsequently, the Herald reporter and logged in the Bank of Communications online shopping mall to exchange, found that the platform is similar to good business height, all have business-to-business and two kinds of electronic business model, the target customers are small and medium-sized enterprises and professional markets, and the electric business transactions and SME credit, supply chain financing combined.

Taobao opened shop in Jinan Zhangnan Trading company manager Panzhuang said, and Jingdong Mall, Taobao and other traditional electric dealers, good business and exchange of such a platform, because of "0 cost" or low-cost most attractive. "The disadvantage is that these just started the" banking system ", although the power of the network, but the platform's traffic has been short board. "Mining more targeted customers

Zenggang, director of the Banking Research Institute of the China Academy of Social Sciences, the bank's intervention in the platform, will certainly not be used as a profit point, after all, the current electric business platform burning money more powerful. At the same time, compared with other industries, the financial sector interest rates are relatively high.

Reporter in the interview learned that netizens will usually recharge the money to a Third-party payment platform, the transaction process by the bank trusteeship, this part of the trust funds in accordance with demand deposits to take interest. Obviously, before the transaction is completed, this part of the consumer interest, but not into the consumer account, and the banking system E-commerce platform has changed this situation.

CCB Shandong Branch of the electronic Banking department, a staff told the reporter, the electric business platform of some high-end high-quality customers, peacetime transaction capital flow is huge, if stored in the good business of the mall account, in the transaction deadline, can be in accordance with the current deposit rate to the customer interest. "Although it is" mosquito meat ", but accumulated more, but also considerable. ”

Zhou, an assistant analyst at the China e-commerce Research Center, says that the banks ' involvement in the electricity business is still the old line, not so much the electricity business platform as the electric-commercial financial platform. "Banks want their personal clients and corporate customers to complete their transactions on their platform, so that financial services are the main source of revenue for banks." And the whole deal is done in its own financial system, not to be marginalized in the era of E-commerce. ”

"In addition, the bank to do the electricity business platform is another purpose is to dig more target customers, hoping to be able to other banks have electricity business credit demand customers to dig over." "Zhou said.