The banks are involved in the electric business network. Are you ready?

Pay money online after the dot pick-up and direct to the dot purchase no difference, for consumers, have to go to the dot, there is no need to buy online

Herald reporter Yong Jinan reported last week, the Bank of communications (601328, shares) and Alibaba announced the launch of the "Bank of Communications Taobao flagship store", this is the first bank Taobao store. In other words, after Taobao shopping can also buy the bank's financial products and even loans to the money.

Economic leader interviewed by the industry insiders believe that in the interest rate liberalization of the external environment, the bank to enter Taobao is to seek new profit growth, but how the effect has yet to be tested. The bank drove Taobao

27th, the Herald reporter login traffic bank Taobao flagship store found that the store and ordinary Taobao shop very similar to the first phase of the products include precious metals, funds, insurance, personal/small business loans, VIP customer service, debit cards, such as 6 categories. Although there is no deal at the moment, the volume of browsing has exceeded 20,000 people.

Herald reporter noted that in your financial category, there are investment series and collection series of two varieties, under the category of insurance, is divided into accident insurance, comprehensive insurance, endowment insurance and other 5 kinds of insurance.

Customer service "Silver small Wang" reply to the reporter's consultation, said that some varieties of your financial transactions can only be carried out on weekdays, holidays can not be sold. In general, the characteristics of the shop is cheaper than the physical store. But the reporter learned in the shop, the price of their precious metals and the price of the bank counter is consistent, and no advantage. And these products must be in the selected delivery area of the delivery point of delivery, do not provide postal services. The only relative price advantage is the fund. "Silver small Wang" told the Reporter, the Fund subscription rate (front-end mode), the current minimum 80 percent discount, the rate after the discount is not less than 0.6%. However, if the customer wants to buy the fund must hold the Bank of communications debit card, does not support Alipay. "At present, precious metals are supported by Alipay accounts and other products are temporarily unsupported." ”

In other words, the Bank of communications is currently only to sell the fund products into Taobao store publicity, but did not realize the payment of one.

"Opening a bank online is aimed at buying a family that allows them to buy their products at home and enjoy the services of the banks." "In addition to attracting the attention of users, it also helps to develop sales channels for financial products," said Minti, a customer Manager at Bank of Communications Jinan branch. ”

"In the external environment of interest rate marketization, banks will undoubtedly choose innovative means to provide personalized service for customers and seek new profit growth points." To develop intermediary business and increase intermediary business income is the important income-generating means for banks to reduce their income from spreads. "said Gaona, a client manager at a state-owned bank. Dot picking up fear of restricting purchases although Gaona welcomed the bank's flagship store in Taobao, she was skeptical about how much the store could bring to bank traffic. "From now on, the Bank of communications Taobao flagship store is like an image display shop, a lot of things still need to check the counter." "Look at the store in detail," Gaona said. "Take precious metals for example, after purchase also must go to the dot pick-up, do not provide mail order service, this restricts the consumer's purchase enthusiasm." "In her view, after the online payment to the dot pick-up and direct to the dot purchase no difference, for consumers, to the outlets, there is no need to buy online."

"and the purchase fund must have a bank of communications debit card, the rate discount is not very big." "Gaona said. According to her, now the banks to buy funds through the net of the incentives are similar, the only difference is that the variety of funds. Fund company or follow up

Most let Gaona worry about is, now many fund companies are in with Alipay to negotiate related cooperation intention. "Once everyone agrees, the fund company will open a large area of Taobao shop, perhaps in the near future, Taobao will become a fund company scuffle another battlefield." As Gaona said, in May this year, Alipay and Tencent under the Tenpay of the second batch of funds issued by the Securities and Futures Commission third party payment licences, Alipay has been with more than 30 fund companies to discuss the intention of cooperation, its mode of cooperation is mainly Alipay into the fund company's website online direct sales port, The rate paid for using the Alipay Redemption Fund is a 40 percent discount normally used by third parties. However, Alipay would like to play its own with the "sister" platform Taobao combination of natural advantages, expand and fund the cooperation of another type of model, that is, let the fund company into Taobao Mall open shop, and use Alipay this Third-party payment channel directly on Taobao to complete sales and payment. It is understood that in the middle of this month, the Securities and Futures Commission to lead Bosera, Guangdong, rich countries, Hui Fu, Cathay, Tianhong 6 fund companies to be located in Hangzhou Taobao and Alipay headquarters for on-site research. It is reported that there are still differences between the fund companies in the mode of development. Tri Gang, channel manager of a Shanghai fund company, told reporters: "We have been discussing the technical and detail issues of Taobao shop in recent times, and have been at the practical level." "Once the cooperation model has been recognized, the Fund will not need to open shop for approval." Smooth words, the second half of this year, the fund company may be realized in Taobao Mall.

"If the fund company successfully stationed in Taobao, then the bank has no concessions to say, after all, the fund company's rate relatively cheap," Gaona said, "So, the bank in Taobao open shop the effect of how more difficult to say. The