电商角力传统银行业 大数据控制权争夺升温

Electric business wrestling traditional banking large data for the control of temperature

Normally, the bank will not sell kettle, intelligent mobile phone, duvet and leather shoes. But the global market value's second largest bank, China construction bank (CCB) but dare to break through the traditional.

Six months ago, the construction bank launched an online mall, harmony, good business (buy.ccb.com). This action, like is HSBC and Amazon (Amazon) spread positive competition.

Although the United States Banks (Bank of America) and so on some western Bank also introduced and large retailers of Internet shopping website, but the construction Bank ambition far more than these. It wants to become a mature e-commerce sites, let tens of thousands of large and small sellers in the home.

For a bank is concerned, the construction bank this is a very unusual strategic decision, dash forward show China banking two kind of new situation.

First of all, for a long time in the government over protection under the Chinese Banks, suddenly found himself in a competitive surroundings.

Second, focus on "big data" the control of temperature in China, the bank to collect customer information as much as possible.

Construction bank is responsible for electronic banking an executive told the ft: "now we to do this platform, is to become the passive to active, to solve the information asymmetry problem, change the present situation of the bank disintermediation, with our own platform retain customers. Otherwise, in the whole value chain and the service chain, we will be compressed more narrow."

The campaign was launched in five years ago, the source is not a banker, but an Internet pioneer.

In a commercial BBS, China's largest e-commerce company Alibaba (Alibaba) founder Mr Ma (Jack Ma) criticized Banks reluctant to small and medium-sized enterprise loan. He said: "if the bank won't change of words, we will change the bank."

Mr Ma to start with the bank cooperation. Construction in line support, in 2007 he launched alibaba financial (AliLoan), this is a focus on the small business loan scheme.

The plan is the idea of the power-and-power union. Alibaba has a large number of user information, and a pooled their detailed credit record. The construction bank to inherit a huge amount of money, a good reputation for the borrowers, but worry about loan to have no credit history of small businesses will have risk.

In 2011, the cooperation of both sides end, when ali baba and the construction bank agreement expires, no contract.

Understand the cooperation personage says, alibaba realized that the master data bank credit for how important, and ask for more profits from loan into.

However, for the construction bank is concerned, the biggest debate focus is not money, but it in e-commerce in the back seat. This field is very profitable, in 2011, the Chinese online trading increased 30% to 5.9 trillion yuan ($947 billion).

The construction bank executives said: "to seize the big market, the construction bank has done a lot of trying, but in the end our customer data, customer transactions and so on all the information in the others' hand."

Once the partner start "solo". Alibaba use their own funds, through the alibaba website construction bank loans, the financial launched their own e-commerce sites.

The race began, who in the field into each other in the process of win - as lenders of alibaba, or as shopping platform construction bank? People wait and see.

Alibaba preemptive step. By the middle of 2012, the company to more than 130000 small enterprise issued 28 billion yuan RMB loans. On the other side, in the e-commerce sites launched after six months, the construction bank said, registered shop has reached 10000, and amounted to 3.5 billion yuan RMB.

Science and technology industry a executive says, he thought that alibaba the leading construction bank, because as a e-commerce platform, alibaba and closer to the small businesses.

He said: "for electronic business or financial, the key data. With the best data of the participants will win." Alibaba declined to comment.

Other Banks did not wait for the construction bank of electronic commerce announced victory. Last September, China's fifth largest listed Banks traffic Bank, Bank of Communications) has opened a online shopping mall.

It is believed that China ICBC, Bank of China (Bank of China) and the people's livelihood Bank, China Minsheng Bank) are considering opening similar web site.

"Now, for China's Banks is concerned, the competition is very fierce, customer information is the key competitiveness," Barclays (Barclays) analysts facial region (May Yan) said: "in fact, big Banks have an advantage, because they already possess a very large database.

However, e-commerce is not easy. Chinese Banks are basically the state-owned Banks, for a long time, they have been by the government, the protection of the core loan business lack of competition.

In the online shopping areas, they are with those from the private sector Internet enterprise competition, over the past decade, the Internet enterprise has always been is China's most innovative enterprise.

"Big Banks will be the limitation of the system," headquarters is located in Beijing Internet research institutions Analysys international (Analysys) ZhangMeng said. "They don't have like private business e-commerce platform that innovation and market savvy and service standards.