Xingye Online shopping mall is actually a shopping guide platform

Absrtact: This is an era in which the internet robs the financial industry of cakes and is also an era in which the financial industry via the Internet. Recently, the reporter learned that, Societe Generale online shopping mall again upgraded, using shopping-oriented mode of operation, will have been mature electric business platform chain

This is an era when the internet robs the financial industry of cakes, and it is an era when the financial industry via the Internet.

Recently, the reporter learned that the Societe Generale online shopping mall again upgraded, using shopping-oriented mode of operation, will have a mature electric platform link to the Commercial Bank online mall.

However, some people in the industry believe that this mode of operation is slightly "chicken ribs", users may prefer to directly choose other brands of the electric business platform. In this regard, Societe Generale to the "Daily economic news" reporter said, in order to reduce the cost of business considerations, at this stage of the line online shopping mall using the light shopping style to build.

Since 2012, many banks have taken the lead in the field of electronic commerce in the industry, at present, the first to touch the "electricity" of the banks in the business upgrade rectification stage.

Shopping platform only to do flow entrance

Recently, "Daily economic news" reporter learned from Societe Generale, the line "online mall" again upgraded, with a number of electrical business cooperation, the formation of Hai, gold, fashion, real estate, home appliances, flowers and other 10 channels of integrated electric business platform.

However, the reporter noted that, and the traditional sense of the online mall is different, the upgrade of the Societe Generale Online mall did not achieve integration through, the user clicks on the Merchandise page, the page will jump to other E-commerce platform, if you want to buy the item, you need to register for the new E-commerce platform.

Take the Sea Amoy channel as an example, the user in the Industrial Bank of the Sea Amoy channel selection of goods, need to jump to the goods in the Sea Amoy platform to complete registration, after the payment, the Sea Amoy platform organization overseas businesses to Societe Generale customers directly for overseas goods, sea Amoy platform will direct use of "International direct Mail" way, the overseas goods distribution to domestic consumers.

In terms of payment, all orders from the official Mall of Societe Generale, when consumers pay, Societe Generale will be at the top of the payment options, and some of the goods will enjoy a specific discount. After the sale, if the Societe Generale to receive the user's advice or complaints about commodities, will be directly transferred to the Hai Platform customer service.

China Electronic Commerce Research Center Network retail Department director Mo Dai Green in the "Daily economic news" reporter interview, said, this is actually doing is e-commerce Shopping guide platform, only to do the front end of the flow of the portal, the back end of the matter to the electric business platform. In this way, the promotion of their own online payment, but also the equivalent to their customers to provide value-added services, and do not need to spend money and energy into their unfamiliar areas.

But there are people in the industry that the online shopping mall's operating model is slightly chicken, users are more likely to directly choose other brands of the electric business platform.

"As an important part of the day-to-day operations of the enterprise, if we let these enterprises to enter a new trading platform category Mall, it means that will increase the marginal cost, a new set of goods and inventory, transaction management, settlement, online customer service, such as the operating system, these require greater investment in businesses. "Societe Generale said.

"The establishment of electric business platform for some banks to invest in a huge, and other mature electric platform to cooperate, which is easy for the bank, basically do not need too much input." But in terms of user experience, the purchase of goods need to re-register login, more trouble. Mo Dai Green thinks.

Do banks still show up as "amateurs"?

Last August 31, Societe Generale officially closed the credit card online staging mall, the online mall upgrade, by the industry as a new round of rectification of its electric business.

"The bank's credit card mall, since its inception, operates very generally." It features an integral exchange that is geared towards the bank's credit card customers and provides a value-added service. "The Daily economic news," said one of the bank's electronics bankers, has been challenged by internet companies over the years, and banks are trying to get customers through the Internet.

The reporter learned that, in addition to Societe Generale, the first batch of test hydroelectric banks are now in the business upgrade rectification stage. CCB is the first to set foot in the field of E-commerce banking, its launch of "good business" E-commerce financial services platform from the beginning of the line has aroused concern.

During the period, good and financial business has undergone several upgrades. Today, its personal mall has been similar to Taobao, digital, home appliances, clothing, shoes, hats and other readily available, or even buy a house to buy a car, and has achieved integration through.

Public data show that as of December 31, 2013, good and financial business platform to settle more than 30,000 households, registered members more than 3 million, the release of 410,000 items. Transactions, good and financial business Personal Mall transaction amount of 1.035 billion yuan, the Enterprise mall 26.747 billion yuan, the cumulative turnover of 27.782 billion yuan.

This and last year Taobao only "double 11" one day to break through 35 billion yuan turnover, a far cry. A bank of the electronic Banking department said that the banks are difficult to confront with the electricity dealers, "the first bank to do good business, is to assemble a lot of merchants, then can do supply chain financing, but at present is not very ideal." ”

In addition, ICBC's "Rong E purchase" E-commerce platform in the beginning of this year's official online business, Bank of Communications online Mall "Exchange" also external publicity will be fully upgraded in the near future.

In terms of user experience, the bank has a long way to go. To "Exchange" as an example, the reporter on the web page to search "Exchange" after the advent of the Exchange-Special pavilion, the Financial Pavilion, the Enterprise Pavilion and many other links. After opening, some of the Web pages can be used to redeem credit card points or installment payments, and some require net banking transactions.

"Daily economic news" Reporter in the customer status to the Exchange Customer Service consulting the above situation, the other side said that the recent exchange and traffic bank Credit Card Center Integration Park, the specific is to exchange the characteristics of the pavilion into the integration of the park, to be all merged, will be canceled feature Hall page.

Faced with the emergence of internet power, banks also want to via the Internet to win customers. Bank of communications internal management people believe that banks want to do is in fact, personal and corporate clients of the funds clearing and financing services, hoping to lead the personal consumption to the public customers there.

Financial services should be the main

But the Internet dealer and the bank itself are two distinct subjects. Although a lot of people think that the bank is the most need for money, but in the eyes of the banking industry, money does not mean that they can "burn money" like the Internet.

"Many internet companies maintain their own development through such financing practices as VCS, but banks invest by consuming capital." Strict supervision of financial institutions, banks do not have a lot of resources to invest in, it is difficult to do big. Said the electronic banking department.

The business objectives of the Internet dealers and banks and the pricing models in the market are different. The electronic Banking department told reporters that internet companies listed in the United States, the stock pricing is based on the number of clients on the platform as a reference, such as a customer 5 U.S. dollars, then have 100 million customers is 500 million dollars. The price of a bank's shares on a shares is completely different, and the bank pursues profit. "Internet power is an industry where investment is particularly large and harvest is small." ”

These people also said that the introduction of any one of the products of the bank stressed the risk of a hint, the risk is in the first place, internet companies are actually doing financial products, but will weaken. E-Bank can see the development trend of internet finance, but it is difficult to have a department to promote this thing, and to coordinate with various departments in line to make their ideas change.

"Banks should be encouraged to do the electric business platform, only to do before the Internet has a profound experience, there will be improved space." Said the electronic banking department.

Mo Dai Green thinks, the bank does the electricity business actually still should take the financial service as the main, the pure personal consumer's network electricity dealer, is not the bank is good at, at present the user's consumption habit already basically forms the situation, the bank must and the electricity merchant carries on the head-on confrontation is still difficult.

In this round of the Bank of the electric business upgrading rectification, the bank has gradually found its own characteristics. such as the CCB "good business" platform, set up "e-pass", "credit card consumer credit" and "financial supermarket" three columns, are related to finance, ICBC "Rong E purchase" platform, with "financial products" column, and under the "wealth Management" and "Brand Precious Metals" column, "pay the Bank" special has "financial pavilion", and under the " Precious metals, "financial", "funds" and many other financial products and services related to the sub-column.

So, looking at the future, what kind of role will the bank's electricity dealers play? "To tell the truth, the road ahead is not clear. "Bank of Communications chairman Nieusiming had frankly," the exchange is now run nearly two years, and recently revised, the development momentum is not bad. But to and balance treasure, pay treasure than words, poor far. ”

But in fact, the rise of the Internet electricity business behind, is its many years ago began a lot of investment, period of elimination, merger, transformation ... The hardships of one step have been concealed by the scenery of today.

The bank insiders told reporters that now the outside world is generally not optimistic about the banking system, but there is always a beginning. "Still need to give the bank a little time, after all, there is a process, compared with internet companies, the bank (to do electricity) is still in infancy." ”