建设银行“善融商务”起航 交易额突破35亿

Construction bank "good melt business" sailing turnover break through 3.5 billion

Different from the traditional credit card mall and integral mall, construction bank "good melt business" to the unique service mode in the electronic commerce field opened wider "blue ocean"

1 month and day, construction bank held in Beijing electronic business financial services promotion conference, promote e-commerce financial services platform, "good melt business". Work letter department, China unionpay, electronic commerce association and other relevant department leaders to attend the meeting, the haier group, gome group and so on more than 30 cooperation unit top management were invited to attend.

"Good melt business" is China construction bank launched to professional financial services based on e-commerce platform for financial services, engaged in electronic business enterprise and individual customers with product information release, online trading, payment and settlement, installment, financing loans, capital trust, real estate transaction, and so a full range of professional services.

"Good melt business" model, was described as "bank DaTai, merchant act in an opera", by the construction bank in the background setting up platform, signing merchants in the mall business, at present in the banking sector is still belong to the past, so as to break through the bank online (credit card and integral) mall the B2C mode.

The construction bank vice President PangXiuSheng points out, "good melt business" is the construction bank in response to speed up the policy of national informatization construction, and promote the healthy development of electronic commerce, extend the penetration financial services launch e-commerce financial services platform, the biggest characteristic is to "and business also melting", the core purpose is construction bank customer resources and brand resources as the backing, to participate in "good melt business" of the enterprise customers and individual customers with more convenient, more benefits and more comprehensive financial services to help enterprises solve the financing problem, to better support the real economy and small and medium-sized enterprise development.

Electric business and financial services fusion

Construction bank is one of the earliest domestic open electronic banking business bank, from the 1990 s, after more than ten years of development, the electronic banking has obtained the remarkable result, current daily trading volume of 17 million pen. The development of the electronic banking for the construction bank "good melt business" laid a foundation.

In the Internet era, the electronic commerce gradually deep into people's life, and people also hope that in the electronic commerce activities to get effective financial services support, "good melt business" arises at the historic moment.

According to the construction bank introduction, "good melt business" is different from common sense "bank system electric business", it is a "and business also in harmony, buying and selling easy" as the starting point, facing the enterprises and individuals to provide professional electronic business services and financial support services, including enterprise mall (B2B), personal mall (B2C) and room e pass, covering commodity wholesale, retail and building trade and other fields, and can provide for the customer information release, dealmaker, community service, online financial management, online customer service and other supporting services; In the financial services, provide for the customer from the payment and settlement, custody, guarantee to the financing of comprehensive financial services.

"Good melt business" also realized the electronic business and financial service depth fusion, consumers through the platform of trading, logistics information, etc., can become the user credit index reference, thus and loans related to both parties, in the construction bank to establish good business credit. "Good melt business" credit record will become the precious resources, credit good customer in the platform in a loan application, can first obtain appropriate loan support, greatly reduce transaction costs and improve transaction efficiency.

For the enterprise to provide online financial services in the process, "good melt business" is on the basis of different enterprise, different industries and enterprises of different growth stage, the innovation network financial products and services, and the size of the loan shall be preferred guarantee, in the examination and approval link opens the green channel.

Personal financial services, customers can not only enjoy the unsecured small loan, still can apply for personal pledge loan, online completed loan application, branch, inquires the and so on, even the building business, autonomous transactions, the housing loan and so on also can be in "good melt business" complete. In addition, "good melt business" also provides credit card installment, loan payment and so on many kinds of payment, and at the same time, through the credit card installment low interest, personal financing merchant discount, as a model to reduce the customer financing cost.

Half a year turnover break through 3.5 billion

Recently, gome online formal and construction bank "good melt business" platform achieve strategic cooperation, announced in good harmony B2B2C business service platform.

In the cooperation, the construction bank "good melt business" platform will provide gome online provide exclusive channel page, gome online will also join the traditional home appliances, 3 c digital key sell like hot cakes in commodities, and keep the gome online consistent low style, which further expand the lowest sales platform coverage. After established, gome online will the monthly construction bank user group we regularly organize large-scale promotional activities.

In "good melt business" ones, which will need to be approved by the local construction bank on-the-spot investigation, enterprise qualification must have security; Upload mall goods, need business center staff chase audit, ensure product quality. In the "good melt business" buy goods, consumer also can use installment payment, mortgage payment or combinations of payment, etc.

It is understood that the construction bank "good melt business" since last June since the launch, through the introduction and support good management, heavy reputation of high quality ones, borrows the domestic famous electric business rich supply of goods, provide a comprehensive range of financial services, etc., win the majority of enterprises and consumer recognition. Up to now, "good melt business" in merchant has been all door, turnover reached 3.5 billion yuan, financing scale of nearly 1 billion yuan RMB.

Although the construction bank in the electronic commerce field or recruit, but in the financial services industry is the leader. Through the electronic commercial platform to provide financial services, is the "good melt business" meaning. "Good melt business" does not want to and the traditional electric business competition, nor in electric business business profitability.

Construction bank with in the customer resources, brand value, the advantages of the service network, help engaged in electronic business enterprise expand sales channels, and at the same time for other electric business platform charge higher trading commissions and shop rent, take at the present stage, and the free trade policy payments and settlement fee to offer high quality, the merchant from margin to help business performance good merchant free for propaganda, let the customer and shopping malls, and grow up together.

The merchant provides a real privilege, including free business shop shop rent, avoid merchant transaction commission, free key merchant counselling and relief payment commission.

The construction bank said, "good melt business" platform to truly satisfy customer demand, and customer business activities, business activities in close integration with, also need to constantly improve. The future will be further integration of resources, and give full play to the advantages of financial services, dedicated to providing our clients with credit financing, payment and settlement, fund custody, financial logistics, and so a full range of integrated financial services, will be "good melt business" makes enterprise most trust, the most professional online trading financing platform, and with the aid of the safety and efficiency of online payment, to help consumers realize one-stop shopping dream.