The big three of the electric dealers to enter the financial competition small loan business market

Ali Finance launched "Three days no reason to return" loan policy, suning small loans will be available, Jingdong to the suppliers to promote its supply chain financial services ... At the end of 2012, the major electric dealers in the financial field of continuous action.

According to Alibaba's research data show that about 89% of enterprise customers need to finance, financing demand in 500,000 of the enterprises accounted for about 55.3%, 2 million of the following 87.3%, these traditional banks and other financial institutions of the disadvantage of the field, become a large market of small loan finance.

The big three power companies gather in the financial field

Recently, Chongqing suning Micro-Loan Co., Ltd. officially obtained the business license. The company by Suning Appliances (002024, shares bar) overseas wholly-owned subsidiary of Hong Kong Suning Electric Appliance Co., Ltd. and the associated Party of Suning Electric Appliance Group Co., Ltd jointly funded the establishment, is following Alibaba, Jingdong, China's third owner of the platform of the financial loan Company.

Suning in the announcement that, with Suning easy to purchase accelerated construction of open platform and category expansion, more and more suning suppliers, especially small micro-suppliers will face the problem of financing difficulties. Suning Small Loan Company will help small micro-enterprises to solve the financing problem. In addition, small loan companies will enrich the company's financial services products for the company to bring a stable income.

Previously, Ali Financial and Jingdong has been a pioneer in the financial field began to exert their fists.

June 2010, Zhejiang Alibaba Micro-loan company was established to become a small loan company with its own license plate. According to statistics, as of September 2012, Ali small loans have been accumulated for 130,000 of customers to provide financing services, loan size of more than 26 billion yuan, non-performing loan rate of 0.72%, below the level of 0.95% of China's banking sector. Ali Financial statistics show that in the first half of 2012, Ali financial accumulated to small micro-enterprises to put loans 13 billion yuan. Consisting of 1.7 million loans, the average daily loan is close to 10,000, with a credit limit of 7000 yuan per loan.

Alibaba related official said, Ali Finance has started to profit since last year.

At the beginning of the new Year, Ali Finance announced that 2013 will be as its perfect small micro-enterprise credit service system of the years, focus on improving the small micro-enterprises in the credit transactions in the interests of the protection and experience, the core for the full implementation of 3 days without reason to return and credit customization services. and "3 days of No reason to return" is the first domestic credit market to take the initiative to return to the lender loan guarantee terms.

Looking forward to the new year is not only Ali finance.

October 29, 2012, Beijing City Bureau of Industry and Commerce website, Jingdong Mall has recently quietly completed the domestic electronic payment provider network Silver Online acquisition. Online Banking has a third-party payment license, can be involved in business including internet payment, mobile phone payment, fixed telephone payment, bank card receipts and so on. Despite the low profile, it still raises a lot of attention from outside.

November 27, Jingdong Mall to join hands with the Bank of China (601988, shares bar) launched the "Supply chain financial services." Jingdong Mall Supply Chain financial platform specific services include accounts receivable financing, order financing, commissioned loan financing, collaborative investment, trust programs, including procurement, logistics and settlement of a variety of financial services and the tentacles from upstream suppliers to the consumer side.

Recently, Liu said, in 2014, will form Jingdong Mall's financial companies, can provide a variety of financial products.

Grab a small loan market "cake"

According to Alibaba's survey data, about 89% of corporate customers need to finance, financing needs in 500,000 of the enterprises under 55.3%, 2 million of the following 87.3%.

At present, 80% of the bank loans in China are mainly put into large and medium-sized enterprises, small enterprises accounted for 20%, micro-enterprise financing is even more difficult. The rest of the few small businesses and micro-enterprises, has become the field of electricity companies targeted.

Previous data show that as of the end of June 2012, Ali Finance has accumulated more than 129,000 small micro-enterprises to provide financing services, the total amount of loans over 26 billion yuan. And on July 20, 2012, Ali Finance has achieved a single day interest income of 1 million yuan.

"While it is difficult to judge the profitability of the electricity dealers in the financial sector, it does attract more e-commerce companies to enter the field," he said. An analyst at the electricity business told reporters.

There is a view that the risk of electricity business credit is obvious, there is no mortgage guarantee, no credit binding, the risk can not be compensated, resulting in a large loss.

"The Electronic Business platform has more information advantage than the bank in controlling the financial risk, and the electric business platform grasps the multi-dimensional information such as capital flow, logistics and business flow, and can turn the uncontrollable financial product risk into the controllable risk of the supply chain business." Su Ning related personage expresses to the media.