建行发力善融商务平台 意做电商金融龙头

The construction bank hair force good melt business platform his electric business financial faucet

In the electrical business fighting the height, who also didn't expect that almost halfway process bite gold, and these "who made that has abundant capital and resources of the bank. As the construction bank "good melt business" platform to explore electric business financial deeply, other bank is also follow up or itch to try.

At present, bocom has launched a "pay Po collect", bank of China guangdong branch also attempted to do a "cloud shopping" platform. In the Canton fair, bank of China also announced will jointly Canton fair electronic business co., LTD launched "exhibition accommodation" Canton fair merchants captive finance service platform. It is reported, icbc may also be in the next launch similar platform.

The traditional financial add the Internet elements, also will follow the Internet field "only first, not the second" rule. In the face of the peer pursued and competition, to take the lead to develop the electric business platform construction bank is good melt business this year as a top priority in the work of the intention, the run-up to do business, the absolute.

"The competition is very intense, everyone feel spell very hard, an important reason is that Banks are concentrated in the" red sea ", "melee", competition and no obvious difference, no bank can occupy absolute advantage. Electronic bank as the Internet product, also follow the Internet enterprise "the winner" c law." The construction bank fujian branch deputy President ChenWanMing when accepting a reporter to interview said so.

Take electric business financial opportunities

Previously, the construction bank in an internal meeting, the chairman of the board WangHongZhang has put forward the future construction bank to take three strategic commanding heights, of which the first is electronic bank, and require electronic bank to "catch up with the advanced level".

It is reported, current business financial platform as the construction bank in the electronic channel leading financial trade major creation, it is top priority in the work of the construction bank this year. A product research and development personnel also said: "the construction bank 300000 employees, everyone is good melt business promoter".

The construction bank vice President PangXiuSheng is good business advocates harmony, but also for electronic bank vice President. He also pointed out: "to maximize use construction bank's resources advantage, especially financing advantages, in the electronic commerce in the new stop, open the situation.

At the same time, in the information technology and the Internet industry, industry leader is the rules of the game makers and guangdong, and brand effect is very obvious - the first 70% market share, the second 20% market share, after the third 10% market share.

In ChenWanMing opinion, along with the electronic commerce and the business activities of enterprises to improve the alignment, electric business financial platform role has been increasingly prominent, good melt business will become the core competitiveness of the market for the construction bank. But also, competitors after steps already approaching.

If alibaba, jingdong mall and the traditional electric business enterprise, compared to the construction bank "good melt business" platform also has capital strength, unique financing service, customer and channel resources widely, such as the advantages of "financial enterprise". But when handing in travel, bank of China and icbc and banking have to join, the construction bank advantage will be challenged.

Therefore, ChenWanMing also said frankly: "can be cast in the same before launch, quickly do big CCB electric business customer scale, achieve enough volume, it can expand the construction bank electric business platform of brand awareness.

Merchant quantity growth to speed up

Internet industry to follow "only first, not the second" and "fast fish eat slow fish" two big law, if the slow step may miss opportunities.

It is reported, in resource incentive, the construction bank head office and provincial branch also on the electric business platform tilt a lot of resources, not only the head office directly supporting special credit scale, will also electric business development indicators in the branch of the evaluation system.

In fujian branch as an example, the key to electric business platform for both new business growth point propulsion. 9 - this year in October, the bank development of speeding up the number of merchants, is 7 - August 2.5 times.

The construction bank a good blend of business marketing personnel said: "we and traditional electric business is different, the traditional electric business is to rely on this platform to make money. And we develop electric business purpose is to through this platform mining good customers, through the subsequent financial services to both increase customer bank viscous. Therefore, we want to support enterprise bigger."

For the merchant access, the construction bank emphasize "origin and sterling-something just". The factory is located in fujian transformed fujian jinjiang technology co., LTD. Is the leading manufacturer of nylon, the domestic market share of around 10%. At present, the company employs article and 544 spinning a nylon spinning production line, it can produce nylon spinning 160000 tons, 200000 tons of polymerization section.

Before the main product sales to offline marketing model, August this year the construction bank in good harmony business platform, at present about 30 million online transactions. The company general manager ChenFei to "daily economic news" reporter said: "before we were a leg to walk, now we in addition to customer channel, and the online new channels, quite and two legs."

ChenFei said, compared with offline channel, electric business channel more save cost. Jinjiang technology in jiangsu, zhejiang, guangdong, fujian and other major regional offices are located every month sales manager to come back a headquarters report. If the business turn to online, the cost can be reduced by 60% - 70%. Therefore, he says, and strive to 2013 online trading reached 20%, 50% in 2014.

It is reported that the company's downstream with up to more than 300 home textile enterprise, jinjiang science and technology in a leading enterprise, also think the whole supply chain enterprise financing and bring convenience. Supply chain between enterprises in the "good melt business" on the platform of the transaction record, also will become the enterprise applies to the bank for financing support credit means.