The bank speeds up digging bokhary data exerting force industry chain marketing

Tickets ticket ticket tickets can be bought, water and electricity gas kamphephe fees can be paid, payment loan transfer section in place, "omnipotent" Alipay is quietly changing the people's financial consumption patterns.

"My annual expenditure in Guangzhou City ranked more than 91.06% people." "Shopper Zhang 2012 's Alipay bill amounted to 20,000 yuan, and she worked just six months ago." and Ms. Meng's Alipay bill is 33,000 yuan, "annual expenditure in Beijing ranked more than 94.09% people", but she only bought hundreds of yuan items, "mainly for credit card repayment and transfer money." "Ms. Meng to the" Huaxia Times "reporter said," Alipay can be linked with a number of bank cards, as long as not more than the day limit, transfer does not charge fees, easy to operate and save money, why not. ”

In view of this, Ma Yun to open a bank analysis. February 5, Alipay official micro-blog said: Alipay will never become a bank. Alipay is the use of the Internet to open, share, equality, freedom of technology and ideas, so that financial data can be free and safe circulation, and services for the global small and medium enterprises and consumers a system, but finance is not equal to banks.

Cheng Zai Yan. Financial data make financial boundaries increasingly blurred. Based on the deep integration of Internet and banking business, the financial innovation generated by data mining is changing the traditional commercial bank operation mode. So as a data-intensive industry, how can future banks tap and analyze data and make decisions to win markets and compete?

The revelation of Ali financial Big Data

"Future data will be a fundamental resource for economic operation, like land, oil and capital." "The Big Data Age", written by American Victor Maire Schoenberg, mentions it.

March 22, 2012, the Obama administration announced 200 million dollars to invest in large data areas, the business action to rise to the height of national science and Technology strategy, the importance of the same as the "information superhighway", or even define the data as "the future of new oil." Foreign media even credited Mr Obama's re-election to a team of big data experts behind the scenes.

Not only in the United States, but in China, everyone is creating data every day. Taobao buyers as an example, every day tens of thousands of transactions on Taobao, trading time, commodity prices, the number of purchases are recorded, the end of the year into a pay treasure bill.

"From 2013 onwards, we will be directly facing consumers by themselves to support the web operators to face consumers." "Ma Yun, chairman and chief executive of Alibaba Group, has said that the future group will be divided into three major businesses."

The first business is platform strategy, internal called Seven companies (or seven sword under the Tianshan), that is, Alibaba's foreign, Alibaba's domestic, a Amoy, Taobao, cat, Poly cost-effective, cloud computing, the establishment of platform economy, for all small enterprises to establish a platform for opportunity.

The second stage is finance, how to let the integrity of the net business rich? It is necessary to support the reconstruction of the future financial system of the whole society through the thought and technology of the Internet. In this financial system, no collateral, no relationship, just credit, you can serve customers.

The third phase is data. A large amount of data can be used as a national economic forecaster to predict what is happening in the world economy in the future and what is happening in the Chinese economy, thus providing data support for policy formulation.

The database has become the most important asset of Ali's finance. Its data integration path is: Early collection includes platform certification and registration information, historical transactions, customer interaction, Customs import and export information, plus the seller's own sales data, bank flow, water and electricity to pay even marriage license and so on. At the same time, the psychological test system is introduced to judge the character of the entrepreneur, mainly through the model to measure the degree of disguise and the degree of lying of the small business owner.

Ali finance through the quantitative analysis of sellers, all information summarized, the value of the network behavior scoring model, credit rating. August 2012, Ali Financial credit products for the general membership of Alibaba Open. Members do not have to submit any security, mortgage, only by virtue of the enterprise's credit qualification can be.

October 18, 2012, Ali Finance's 100 million credit loans, after throwing 75 percent interest rate concessions, 36 minutes by the merchant "Rob" The end, and the distribution of the loan operating costs can be negligible. And the same demand for loans, even if the most convenient loan products in the bank, the owner of the mortgage material after the submission, after 15 days to get the money.

5 years after entering the financial industry, Ali Finance has already had the database and capital liquidity that the bank credit system cannot reach. Ali Finance general manager Hu Xiaoming borrowed a pair of couplet described this mood, allied for "recruit all people wealth with data lending support merchant integrity-based"; the second is "to go around the magic of good gold million two sincerely wish to have fish every year"; Guangpi: With and for expensive.

The industry chain marketing of the bank exerting force

How can banks cope with the vengeance of Internet finance?

In the past, traditional commercial banks put credit on the principle of: "Holding the client's hand lending." "But in the face of the coming Big Data era, people's livelihood, Citic, Everbright, Xingye and other banks in the field of supply chain finance, to achieve from the" manual processing "to" online integration of multiple systems "transformation.

To put it simply, supply chain finance is a process of online integration and convergence, the establishment of business, financial services and logistics services to connect the work of the channel, so that financing "online access"; second, to achieve integration and sharing of banks, core enterprises and upstream and downstream enterprises, and logistics partners fragmented information, the bank through the enterprise on the platform left " Traces "information, for enterprises to integrate the required information, provide value-added services, so that supply chain management and services" clearly visible.

For example, Huaxia Bank (600015, shares bar) to "O ' Connell" as the core enterprise, the Fund payment management system Butt "O ' Connell" sales system, according to order information for downstream small business agents to provide online financing services. Agents only fixed-point mouse, fund payment management system can be issued according to the amount of the order of a certain proportion of loans.

This "one order a loan, the online launch with the loan," the convenient mode break the time and space constraints, eliminating the small business "run the bank, do formalities" burden, effectively reducing the financing costs.

Bankers have long held large amounts of customer information and information. But the fact is, how to analyze customer information data, behavioral data, financial data, etc. to lock potential customers, and with the help of behavioral orientation, geographical orientation, content orientation and other methods to implement precision marketing is a difficult problem.

As the best retail bank in China, CMB has a good experience. Once let the President Ma most proud of is the Wantong holding chairman Feng approval. Reason is just Feng in not yet open credit card outside the function of foreign exchange is not available, the Bank of the background accurately monitored the situation, the first time to call for personal opinion, and in just 5 minutes for Feng solved the problem.

In the most powerful area of payment for Internet companies, banks are also starting to kill themselves from mobile payments. February 5, China Merchants Bank announced the signing of a comprehensive strategic cooperation agreement. This is followed by the Chinese merchants Bank of HTC, China Unicom (600050, shares bar) launched a "mobile wallet" after another new action. Pudong, CCB, Agricultural Bank is not to be outdone, there have been mobile payment products released.

And CCB is a direct online network business platform, its good and financial business since June 28, 2012 operation, so far the turnover has exceeded 3.5 billion yuan, financing scale of nearly 1 billion yuan.

(editor: Heritage)