The new value of the new model of community finance explored by Beijing agricultural Merchants Bank

(Editor's note) How do agricultural financial institutions serve the "new three farmers"? Beijing Agricultural and Commercial bank has handed over a new and irksome answer.

In recent years, mobile interconnection, cloud computing, large data, a wave higher than a wave, the general financial national Strategy under the guidance of all levels of banking institutions, in response to the expansion of the demand for network finance, have targeted the field of mobile finance, the circle Blue Ocean, fixed play, out of Chi Ji. Agricultural and commercial banks at all levels with "three agriculture" as the main battlefield are not outdone, among them, the Beijing Agricultural and Commercial Bank as a representative of a group of key urban agricultural banks, in the major front-line financial battlefield of the township-level market roots for many years, has broken the cocoon into butterflies, fly, began to frequent debut in the general financial policy of the mobile financial innovation at the forefront.

One night the north wind blew away the haze, the sky to show the rare blue, the warm sunshine of the city, people do not feel the slightest frost has to. The reporter arrived at the Beijing East two ring Chaoyang Gate North Street Yuanheng Mansion, interviewed Beijing Nong Shang Bank related person in charge.

September 2, 2014, a "Community e-Service" Community financial O2O system officially online, launched the capital Community financial o2o new field of new definition new model value. One months later at the end of October, at the tenth annual international Financial Fair, "Community e Service" won the "Best Financial innovation and Development Award", recognized by the industry. What kind of wonderful behind this? What kind of hardship does it contain? With a string of question marks, the reporter walked into the Beijing Agricultural and Commercial Bank.

"We have been exploring a way to make the target customers in the core area can also enjoy the services provided by Beijing Agricultural Bank." "Community e Service" not only a forward-looking integration of the banking and Internet enterprises, but also the general benefits of finance, services, small micro of the new national Policy landed practice, successfully ' moved ' to the life of the community residents details. "Beijing Agricultural and Commercial Bank chief information officer and assistant governor Li Baoxu so to reporters."

It is reported that, as a reporter, ' Community e Service ' as a model case of Beijing Agricultural Bank Financial Innovation, online 3 months, has logged into the platform of the national merchant data 5 million, to push users more than 40,000, e account precipitation of more than 100 million yuan.

Rooted in the town without wavering, radiating the city's leafy

2005 Beijing Agricultural and Commercial Bank restructured into a new joint-stock bank. In recent years, under the leadership of Chairman Jinshan, we are committed to "serving three agriculture, serving the people, serving the enterprise", that is, to make the people convenient financial services and financial services in rural areas. As of the end of 2014, there are 694 outlets, the number of the first in Beijing, the capital is the only financial services network covering all 16 counties, 182 township financial institutions, of which 10 suburban counties accounted for the entire line of business outlets 60%. At the end of 2014, the bank's assets amounted to 523.8 billion yuan.

At the end of 2013, with the development of the Internet industry, the electric quotient turned around and became the pain point of all the traditional industries. When most people wait and see, Beijing Agricultural Bank has begun to plan innovation, launched: Community e Services.

As a once in the industrial and Commercial Bank of commerce and Technology for many years of "old It", Li Baoxu to scientific and technological innovation is unique. "We have been exploring a way to get the target group in the core area to enjoy the services provided by the Beijing Farm Bank," he said. With the development of the Internet, finally and think Chong UnionPay company jointly explore a way out. Li Baoxu recalls the road he had traveled over the past year with confidence: "In November 2013, we started planning community e Services and starting to do it." April 2014 on the initial launch, up to now mainly in Huilongguan and song Jing Shuang 2-3 community Pilot, are large community concept. The results of the pilot are not bad. ”

According to the introduction, Community e Service Plan 2015 completed the opening of the Beijing 70% community, the realization of the system user 3 million, the future through the Agricultural Bank letter clearing system and similar to the signed "Beijing-Tianjin-Hebei regional strategic cooperation" and other means to serve the national front-line urban communities. As a community e-service system in the care of the financial management of the core business users: Phoenix E account and Phoenix Bao, in addition to the official on-line 4 months have precipitated more than 100 million funds, but also vigorously carry out the number of E account opening, and the accumulation of financial behavior of all parties data, continue to large data value research and exploration.

Banking enterprises complement each other and benefit people in the market

According to the survey, with the development of the Internet industry, physical stores have been a big impact. Today's society is a mutual-win society. So, we want to build a platform, this platform and the physical retailer is not a competitive relationship, we can share. The scope of the service is not in place, so our Community e service platform on the community as a range, one or two km range, open restaurant, supermarket, do not have to build an online shop, through the Community e-service integration promotion, to reach the common People's home, to reach the people's mobile phones, and finally solve the problem of many customer churn at present. Yu Xiaojun, general manager of Beijing Creative UnionPay Technology Co., Ltd., was the author of the interview.

In the interview, the reporter learned that Beijing si Chong UnionPay Technology Co., Ltd. is an internet company, including large data, technical aspects are expertise. The two sides join hands in a "marriage", think Chong UnionPay and Beijing Agricultural and commercial banks to play their respective advantages.

When it comes to how Community e services logically import mobile financial services, Li Baoxu points out: "The payment link, we consider the community area is very large, and some may not be Beijing farmers Bank customers, so we set up a" Phoenix E Account "payment system. You do not have a Beijing Agricultural bank card, you can register the E account, with other bank accounts. In addition, also developed a Phoenix treasure of the balance of financial products, merchants collect money can automatically enter the Phoenix treasure, easy to achieve wealth appreciation. “

In the Community e service This ecological platform, the two sides work together to explore the project's vitality and value system: "We have to in the virtual space, to build a community, with the concept of community, to achieve capital flow, information flow, and guide the ground logistics, to finally realize the community economy." This is the most important point of the Internet economy, it is not a planar structure, not linear economy. It's stereo. ”

For the future of this platform, Yu Xiaojun's judgment may have foreseen a new value scene: "Financial integration in the residential life and small and medium-sized enterprises supply chain." This is the future of finance. With the development of the Internet, we can see that the data information is already the production factor. This element, in the future to the whole market to produce guidance and distribution role. The reason why UnionPay and Beijing Agricultural and commercial Bank to cooperate Community e Service platform, is because the future economy, is to form a different platform economy. In China's market, the future who can dominate the platform economy, who has mastered the market control. ”

Building a new ecological chain in the business "Butler End"

The butler side of the Community e service system seems to shoulder the play of regional operation and experiential service.

To tamp the foundation, Beijing Agricultural and Commercial Bank chief information officer and assistant governor Li Baoxu for the first batch of licensing E Butler training Expertise

Li Baoxu's explanation for this is: "Our app is actually divided into 3 terminals, in addition to the merchant side, the client side, we also have a combination of Internet thinking Butler side." This Butler side is the core of the entire platform. The steward's operator may come from a community of idle people. He can download a butler, after training can become a nearby community housekeeper, and then mobilize the merchant on to the platform, so that customers use this platform, your development of customers in your name, business platform for the benefits of profits can be shared. ”

Yu Xiaojun further explained: "Our butler's functional system, the first is to the merchant and user circle in, the second thing is the last kilometer of logistics and distribution, the third thing, we will do a direct battalion." Is that we want to farmers of vegetable food and other agricultural and sideline products directly to the user hand. At the same time, the housekeeper has to assume the role of a financial marketing manager. ”

Similar financial services can also be extended to direct business for suburban farmers. In this respect, Li Baoxu said: "Originally, you give people loans, operating conditions, sales behavior is not mastered, the risk of loans is very large." Now, the agricultural Business Bank is equal to say from the agricultural product loan to the sale behavior, the capital flows the control, this is the new Pu-hui finance. Banks, farmers, users, platforms together to construct a high-quality new ecological chain. ”

(Responsible editor: Mengyishan)