建行善融：银行电商破局

Construction bank is good be in harmony: electricity

On January 18, 2013, testing the waters for half a year in China construction bank financial services e-commerce platform. The launch of "good business"

As one of the world's second bank, China construction bank is to enter the electric business field of the "big MAC". Data shows that the construction bank electronic bank more than the average daily volume of 1700, is one of the earliest set up electronic banking business of commercial Banks. And the traditional bank, once the construction bank is main outlets counter service customer channels, and in 2012, China construction bank system to deal with 7.6 billion accounts in the sex trade, by electronic and self-service channel processing trade by more than 80%.

As electronic commerce becomes an imminent trend, financial industry is bound to become one of the industry by the Internet to change. Internet confrontation and integration and the financial sector and therefore their shoulders.

Side is a group of predominantly retail Internet companies to finance, since 2012, to restructure the three operations: platform, financial data, a wave from ali financial through electricity and traditional banking; Jingdong mall also through cooperation with bank, formed its own supply chain financial service system, and to set up financial company. On the other side of the awakening of genes is banking on the Internet. Ping an insurance through electronic channels for sales of insurance products and services in 2012 reached 4 billion, bank of communications established bo hui financial service platform, agricultural bank and citic bank also has a lot of Internet innovation and try.

What is?

Bill Gates said, the bank will be down in the 21st century of the last dinosaurs.

Seems the meaning behind the Banks are aware of this prophecy. Is referred to as financial business the first year of 2012, many domestic Banks have opened the financial power to test the waters. CCB as leading new pattern also began to break.

It is understood that the construction bank good integrating platform of three major parts, respectively is: enterprise, personal shopping mall and room e pass.

Enterprise mall part, including large-scale integrated B2B platform, such as steel, wood, good melt platform will be tailored for different industry products; The second is the domestic well-known professional market electricity. , head of the CCB related told reporters: "in professional market, guangdong has 890 enterprises, 136 $, the managers are proposed for CCB financial and dual requirements of electricity. So the construction bank as enterprise important index of the mall."

Individual mall also has three strategies: the first is the B2C online shopping platform; 2 it is through a third party alliance mall form open platform, such as I buy nets, gome online and so on; The third is the direct key enterprises and merchants.

And is a good blend flat room e connected Taiwan independence some pattern. Building independent trading platform, to building business loan financing "one-stop" work style service way, is hope with the help of a good platform, high-quality resources continuous traction of CCB to the new platform.

Actually before good melting mall project, for "CCB do electricity", CCB had a set of research: there are 60% of people agree with, they think that the construction bank capital is abundant, also have some brand, customers and network, the advantage of financial services like nature itself; Also has 20% of people wait, they think the advantage can be converted into cost also need some conditions, such as talent reserve and operating ability; The remaining 20% is pointed out that the large state-owned commercial bank system is inefficient, the body without the Internet genes, can be highly questionable.

Over the years, in most of domestic Banks, electronic banking is a vulnerable sector composed of a small amount of science and technology department and Marketing Department personnel. Once the net silver is more like an ATM machine of Internet, no function and business, is a kind of function. Genes and the Internet is open and flexible, the bank need a Internet game, relying on the financial core to run an Internet platform.

In big line, CCB has been relatively open innovation of the bank. According to relevant personage, under the multiple regulation of giant state-owned Banks, to a new "B2B + B2C + financial services" model, landing is inviting ideas to let go of a breakthrough.

CCB integrating platform of C terminal that is individual users, mainly is the differentiation of game, such as credit card instalment, the credit card integral exchange. According to Po embellish Han Tong tong, founder of the societe generale, especially in the CBRC will integral assets out of the budget system to the provisioning system, then no longer when loss provisions, so bank need to release of integrating resources, electricity is a good channel. For personal card users, the integral is used as money.

And all the Banks, real money business must not in C. Toward to side B, that is, the business is the center of gravity of the bank.

But the future good business platform, more service supply chain core enterprise. Such as haier, upstream and downstream enterprises with more than 2000, upstream and downstream supply chain how to do, warehouse receipt pledge business such as loan, how to help big companies put their own electrical business to do, and how financial, information and docking.

At present there are 80 million mobile phone users CCB bank, online banking user 110 million. Entrance as is known to all, electricity is important, but now haven't come up good integrating business flow. CCB will continuous release resources by the calibre of the B and C, in order to form effective customer, trade and financial services.

Why is that?

Why CCB do electricity? It's also one of the banking industry are applicable.

First of all is the customer. Why set up e-commerce can find clients? Banks have a words: to the customer for, is to strive for customer's time. If according to the requirements of customers to build a platform, it can win more time for customers, develop more customers at the same time, why not?

In fact, many Banks are actively trying to. Boil down to, the bank do the nature of electricity is not mall and retail, more do not supply chain, but in order to better their own customer base, improve customer retention, through financial means, let customers get better service.

The second is the data, it is very important. In fact now bank of passive situation, because missed the perfect time for development to pay early before. Now the third-party payment mechanism, will not be submitted to the bank transaction details. Such as a personal use pay treasure to pay 5000 yuan, the bank only know oneself of cardholders' spending 5000 yuan, and know nothing about he bought clothes or shoes. Thus Banks "disintermediation" phenomenon intensified.

If Banks know user consumption data in detail, then the bank can recommend related products to individual users, or recommend the corresponding financing products to business users. That is to say, through the development of the electric business to master more and more real transaction data, grasp customer consumption behavior, it also should be bank do electrical business is all about.

Good executive said, according to CCB all financial services is based on the cognition and judgment of the customer, in traditional industry, the bank to the customer analysis, understand, evaluate, then make the corresponding service design, static data is discontinuous, and therefore was restricted, even take the risk. "These two year we launched a network E series of loan business, through cooperation with Internet companies, are provided by their source in the customer data in detail, based on the data analysis and mining, CCB has made the new financing loan products."

In this area, the financial service innovation opportunity may not be in the financial resources of her hand, often in the data resources of her hand. Don't want to be disciplined by others, only seek to grasp more information. Don't assume that Banks must have alibaba and jingdong electric business rival, electricity is not to bank management, but with the core of the financial advantage business customers and make money, so their opponent is still at the bank.

The third cause is financing. In the e-commerce environment, financing is a rigid demand forever. Ali finance, for example, small loan average value is 7000 yuan, the interest can even reach 22% annual interest. But because of the cycle is short, high turnover and with daily interest settlement, the final 10 yuan of interest everyone can accept it. The long tail of disguises itself high gross margin, according to ali financial can reach millions of daily interest.

This is precisely grasp the cash flow of the bank was supposed to do. Small and medium-sized enterprises through high conversion rate of small way to the line. And for large enterprises, the construction bank is transformed into the supply chain financial ways, constantly in and out of the good melting platform, interest to earn fees, gradually implement "in harmony with business to business".

The last is generalized. Develop Internet banking business, is to build a and their own discomfort, responded to the pressure any turned a behemoth needs enough courage and strength. Marriage and seize the cash flow and data flow, electrical business will be bank standard in the future. And among this, who was the first to put the electricity into an open platform, head start.