Yin Long resigned as chairman of Minsheng Power, the internet and financial talent difficult to fuse

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December 17, the news of the resignation of Yin Long, chairman of Minsheng Electric power industry, aroused concern. Yin Long, deputy director of the Business Innovation Supervision and Cooperation Department of the former Banking Regulatory Commission, has been responsible for creating E-commerce platform for people's livelihood since he joined Minsheng Bank. From August this year Minsheng Electric business registration, in September as Minsheng chairman of the Board of directors in a short period of 3 months, the news of his resignation.

December 16, the people's livelihood of the electric business was informed that the chairman of Minsheng Yin Long resigned, by Minsheng Bank head of the party committee Wangs successor chairman, Minsheng Bank Wuhan branch president Wujiangtao took over the general manager. Moreover, this information has been confirmed within the Minsheng electric business.

The launch of Minsheng electric business platform blocked

Minsheng Electronic Commerce Co., Ltd. August 29 this year in the front of the Sea was established, registered capital of 3 billion yuan. The company sponsors seven main non-state shareholder units and Minsheng Bank Asset Management Co., Ltd. Minsheng investment 1.83 billion yuan, shareholding 61%. Seven private shareholders include Liu's new Hope Investment, Hongwei Oriental Group, Shi Yuzhu's Shanghai Health Special, Lu Zhiqiang's pan-Hai Holding, Huang's Xiamen fu Xin Group, Guo Fosun International, etc.

For Minsheng business positioning, the industry believes that Minsheng will be based on the Minsheng Bank's small and medium micro customer size and customer base, the development of the line of industrial chain finance, micro-finance suppliers at all levels of microfinance, distribution, front-end customers may be integrated into the industry chain.

Before the Internet Financial Summit, Yin Long was surrounded by media reporters, he said that Minsheng will do two things, one is E-commerce, and the other is internet finance. However, in terms of specific business, e-commerce and Internet finance, the livelihood of the electricity business will be in where the force, appears to be more vague.

Minsheng executives Zhangxiaojun has said that the people of Minsheng will not do all-inclusive platform, but for the market segment, positioning high-end, the partners have a high threshold of access, not with the cat, Jing Dong head-on competition.

"Each subdivision will typically choose an exclusive partner to avoid falling into the mire of price competition," he said. The business-to-business business emphasizes supply chain synergy and promotes the efficiency of the whole supply chain around the upstream and downstream enterprises of the core enterprises. On the Business-to-business platform, the concept of "channel" will be established. For example, Quanzhou is listed as a clothing sports channel business base. ”

In addition, Minsheng will create two alliances, that is, the SME Financial Union and the small and medium banks electric Business alliance. The practice of the SME Financial Alliance is to be led by the people's Livelihood electric power, unite the small and medium electric business that do not have the ability to do internet finance, unite together do internet finance. The small and medium bank Electric Quotient Alliance is to offer the electronic commerce to the small and medium-sized bank to the technology development, the supply chain development, the system constructs and so on service.

Although there are ideas, but a short period of three months, the train of thought can not find the specific implementation of the way out. Sources say, as early as one months ago, Yin Long has been the chairman of Minsheng Electric power to become CEO.

Internet and financial talents are difficult to fuse

In addition, the people's livelihood electric power business talent problem is also to prevent its progress. There has been news that the people's livelihood electric power to dig up the Internet team, because the "commitment has not been honoured", the collective runaway entrepreneurship.

August end of the line, September, there is news that the Minsheng platform name has been identified as "one line", take the meaning of "unity of knowledge and practice", will be several major shareholders on the company's vision to implement, the second meaning is the business nature of the Minsheng "integration and integration." At that time, the "Tens" was thrown out to attract professionals, and the Internet financial industry's concern for the people's livelihood was suddenly soaring.

However, "integration and integration" is difficult to advance in the implementation and operation of financial institutions engaged in the Internet and Internet finance. It is thought to be a key reason for the resignation of Yin Long Lightning, with senior officials unwilling to wait.

The foundation of Minsheng Electric Power Company is based on the traditional management mode of bank, and it does not get rid of the shadow of bank financial institution in line division, management method and management mode. And the Internet industry's operating ideas and models have a great difference, including working mode, communication mechanism, operating procedures, performance evaluation and pay system have a big difference. It is also a potential problem whether the management of Minsheng electric business has sufficient "right of speech" to effectively "fuse" the two.

Minsheng Electric quotient and community Bank outlet

There are also rumors that Minsheng's chairman of the People's livelihood and the Bank of Minsheng banking community Bank was called the Banking Regulatory Commission is not unrelated. In both ways, Minsheng Bank should strengthen its control over such innovative business.

The CBRC recently issued No. 277 text, the name of the document is "China Banking Regulatory Commission's Office of Small and medium-sized banks to set up a community sub-branch, small micro-branch of the notice," this article aims to standardize the management of community banks, this article, the basic equivalent to a call off before the very hot people's livelihood Bank Community Bank.

Minsheng Bank Community Bank model lies in the "self-help Network + external staff Guide", from the perspective of customer development, Minsheng Bank's community bank aims to serve more grassroots customers, into the community, walk to the customer side. and from the regulatory level, this rented house can open the bank model, is clearly not accepted.

Minsheng Bank Community Bank and the people's livelihood in common is to continue to play the Minsheng Bank in the "Small micro" field of advantage, through the Internet and the community, the user and industrial ecology through all, and this all-inclusive idea, in the process of advancing, difficulties.

Financial institutions have the advantage of financial services expertise, and at this stage have a far more powerful customer base, reputation, financial business channels and capital strength, but the technology and business model innovation is weak. In fact, it is not only the people's livelihood electric business, the commercial Bank's E-commerce, its development is more than financial services, and the Internet model is insufficient.

Yin Long The next step is also the industry's focus on the topic, there are news that he will take the post of key branch of Minsheng Bank. The great repercussions of the industry caused by the resignation of Yin Long, in fact, prompted the industry's concern and association over how the Internet and finance really "fused and integrated".