The bank dream of the Big Three: Su Ning has been the leader for a while

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September 16, Alibaba and Minsheng Bank signed a strategic cooperation framework agreement in Hangzhou. Minsheng Bank governor Hongzia The move as "a milestone in the development of China's internet finance".

This "Ali Minsheng Love", in the outside world, is Alibaba officially into the banking sector prelude. Before this, Ali Finance has perfected Alipay, balance treasure and small loan business, not only has the function of payment and settlement, but also disguised to have the traditional banking deposit, loan function.

In accordance with the strategic cooperation between the two sides, "Ali Minsheng Love" In addition to the traditional funds clearing and clearing, credit card business and other cooperation, financial services, direct banking, Internet terminal Finance, it technology and many other aspects also become the focus of cooperation.

and financial management, direct banking and other business, it is Ali Finance is currently missing, the livelihood of the bank's cooperation just fill this piece of inadequacy. At the same time, the successful experience of Minsheng banking service small micro-enterprises, is also the essence of Ali Financial future application for banking licence.

Alibaba in the Internet financial field of this step, stimulated Tencent, Suning, Jingdong and other electric operators to follow.

Late September, Beijing-east, Baidu in Shanghai Jiading set up a microfinance company, plus the former Suning, Tencent set up a small loan company, internet companies into the footsteps of the financial industry, "Thunder bursts."

Xiaoling, deputy chairman of the National People's Congress, said publicly that "encouraging private capital to enter the banking sector and issuing banking licences to existing Internet companies" has sparked a heated discussion on the application of bank licences by the electric dealers.

For a time, Ali, Tencent, suning three major electric dealers, have been planning to set up the network Bank news.

Huang, director of the Institute of Financial Law at the Central University of Finance and Economics, said that Alibaba, with its huge influence and massive users, had the basis of being a bank. In addition, the regulator wants to use their strength to push the financial system to develop at a multi-level level and to promote the reform of China's financial system.

However, the current regulatory framework for private banks in China, which does not apply to Internet banking and the dream of the big Three electric banks, remains elusive.

Ali: Network Bank virtual reality

At a meeting in June, Mr Ma said the financial sector needed spoilers.

The impact of the balance treasure brought by the current month is called a challenge to the traditional banking monopoly.

Now, the challenge is being interpreted by Alibaba in full swing. Some sources say that Ali finance is applying for the license of Internet bank.

Although Inside Ali Group, from Ma Yun to Ali Financial CEO Pengley, have denied that Ali applied for Internet banking licence rumors, but the "financial national weekly" reporter learned that Alibaba did contact with the central bank related departments, and discuss how to set up a network of banks, but the CBRC has not made a clear statement on the authority of approval.

One person close to the regulator points out that Alibaba is certainly going to be an internet-based financial institution that distinguishes itself from traditional banks, which is an innovation in the financial field of acquiring formal licences. Whether Ali can really take the network banking licence, is not the CBRC can decide, may also need the State Council level of approval.

While the Internet banking licence is still in the tentative stage, it does not prevent Alibaba from doing well in financial services.

Previously established Alipay has occupied the leading position of online payment and settlement. Recently, the "credit payment" service for Alipay users is further perfected by Ali's financial system.

Concern small micro-enterprise loans Ali Small loan set up 3 years, has issued more than 100 billion yuan of credit.

As a balance treasure for a fund product, it is regarded as an effective substitute for a current account. Compared with bank deposits, the annual rate of the balance treasure is 12 times times higher than the bank's current deposit rate of 0.35%. Professionals predict that by the end of 2013, Ali financial balance treasure will be more than 100 billion yuan scale.

Ali's continued infiltration of financial business has alarmed some bankers, and some bankers have backed Ali to apply for a banking licence.

A head of the retail business of a joint-stock bank told Caijing National Weekly that he had asked Ali to apply for a bank licence last year, and that because of the absence of a banking licence, many businesses could be carried out quickly and flexibly, while traditional banks needed layers of approval from the regulatory layer. "It is better to give them a banking licence than to be a bank by the skin of an electric dealer, and we stand in the same regulatory environment." ”

Tencent: Port "Trump"

The news of Tencent's application for private banks was spread in September. Media reports, the application has been approved by the Guangdong Banking Regulatory Bureau, is reported.

However, a regulatory level in the "financial state weekly" interview, said that only heard the news, has not seen the application materials.

Close to Tencent's people in the "Financial state weekly" reporter interviewed that Ma has been trying to put the user's financial life from the real world to transplant to the Internet platform, he has the same dream of creating a financial empire.

The person also said that Tencent has a platform, there are users, there is traffic. If you do finance, the stall will not be smaller than Ali.

At present, in the domestic electricity quotient rank, Tencent Electric quotient ranked fourth, has Xun net and QQ net to buy. The former is a platform for the delivery of supply chain financial services, the latter is a platform model, can provide similar to the service of Ali small loans.

Since the beginning of the year, Tencent's low-key digging angle Alibaba data analysis, data mining talent, especially Alipay, Ali financial staff, for the layout of Tencent's financial services to provide talent support.

Tencent has always been low-key, but this time in the application of private banking licences, rushed to the forefront.

According to the above people, taking into account their own advantages, Tencent application of private banks, the trend of internet banking and other innovative financial industries. If approved, the headquarters may be located in Shenzhen's front sea.

Tencent's advantages are obvious-China's most users of internet companies, more than 100 million people a day QQ online, more than 300 million of mobile phone users using micro-mail.

"Users are one of the standards of market size, Tencent is the advantage of banking online." "E-commerce Observer Ruzenwang told Caijing National Weekly.

There are comments that Tencent's user value will explode in an instant if Tencent is eligible for banking business.

The port is the "Trump" of Tencent's bid bank. At present, Tencent through micro-mail, QQ caught PC end and mobile phone mobile end of the user portal, the future can completely turn online users become Tencent bank customers, and provide users with a good experience in financial products.

Tencent in the field of payment Tenpay and the new version of the micro-letter payment, is taking up the user more and more cash flow and payment behavior, resulting in deep stickiness.

A bank executive who declined to be named said in an interview with Caijing National magazine that, under the influence of Internet payment channels, more and more users have been bundled with Tenpay, micro-letters and other products. As for the card holding which bank, the number of outlets of the bank, for the user is irrelevant, "if the Tencent run the Bank one day, these users may come to Zhang Tencent's bank card." ”

Su Ning: Leading private banks

In this round of private banking licence application, Suningyun is undoubtedly the leader.

September 12, the general administration of industry and Commerce show that Suning Bank Co., Ltd. has taken the lead through the business registration approval.

Suningyun's goal is to seek to build the entire financial industry chain.

Suning Easy to buy executive Vice President Li Bin said, Suning to do the bank's advantage is Suning has the ability to consume groups and the precise positioning of these groups.

Wang Yu, IBM senior strategic analyst, believes that Suningyun is more likely to obtain a licence from a private bank than Ali. Because, the Suningyun business started with the traditional retail enterprise, has already carried on the kind of supply chain finance business in the early years, the natural link with the traditional financial institution is more close, the policy aspect is more easy to break through.

Ruzenwang that, once the Suning bank starts, it will certainly promote the development of Suning's existing industrial chain. Suning Bank can give upstream suppliers, downstream sales and intermediary trading links, providing loans and many other financial services to make up the commercial short board.

He said that if the establishment of commercial banks, suning suppliers will be the most viscous users. For the electric business platform, the supplier control is stronger than the platform mode. In addition, Suningyun has more than 1800 chain stores nationwide, more than most of the bank's network coverage capabilities, and are located in densely populated areas and commercial prime locations.

Yanping, founder of Dcci Internet Data Center, also believes that, from the reality, the commercial banks with offline outlets are more likely to be trusted and accepted by customers. If the future of suning these stores are allowed to open bank outlets, set up teller machine, Suning bank card and Membership system all through, then Suning Bank line on both ends of the strong, with the Internet companies and banks do not have the comprehensive advantages.

Yanping also believes that if Ali, Tencent, such as the opening of online outlets, not only high cost, expansion speed can not be compared with suning. Even with internet banking, Suningyun's Internet genetics and large data accumulation are no worse than Tencent and Ali.

According to the reporter learned that up to now, Suning Bank is only completed the industrial and commercial registration, is still in preparation for the declaration of material stage. The most critical step is for the regulator to really "release" the licence.