银行争推网络金融平台 与电商赛跑

 Banks compete for push the network financial platform and electricity for the race

After launching online pledge loan business everbright bank, China citic bank recently launched the network financial shopping mall and more of a traditional online products expanded to comprehensive financial services.

Securities times reporter noticed, with construction bank set up good business is different, China citic bank has adopted another electric business model, that is focused on providing professional financial services business platform.

Bank launch the network financial mall

According to introducing, citic financial mall in internal trial run already, online shopping offers a wide variety of products, also provides exclusive products.

Reporter discovery, the financial mall not only provides all kinds of financial products online purchase channels, at the time of registration can also choose to professional money managers, in addition, credit CARDS and loans in this application.

The insiders said, the bank in the fourth quarter of last year enacted a new network bank development strategy, aimed at "creating an online" China citic bank, these financial mall, it is the embodiment of the strategy. "Financial mall bank outlets, business is not simply be moved to the Internet, but according to the electricity business model to build, its positioning is well-catalogued interactive marketing financial services platform, is a kind of brand-new mode innovation".

In addition, this year China citic bank and tencent group signed a strategic cooperation agreement, agreed loan business collaboration network, common to provide solutions for online merchants financing difficulties, the project has in advance.

Reporter found, last year, has become the electronic commerce field in bank to chase hot property, mainly includes two modes, one is the construction bank "good business" and "cross bo hui" bocom as a representative of universal Banks electric business platform; Another is such as citic bank which will be migrated to a network platform, traditional banking services network channel depth mining customer platform.

"Either model, suggested that Banks now more emphasis on network platform. Banking structures, electric business platform, the main purpose is still a financial service. By mining a large amount of transaction data accumulated electric business platform, developed different financial products." A state-owned bank shenzhen branch electronic banking executives said.

Bank electricity "tortoise and the hare"

Actually, represented by alibaba large electricity had attention to online financial market prospect, and its financial innovation continuously introduce suitable for network platform service, in a sense, has been part of the business into direct competition relationship with Banks.

One banker said, in the field of network financial, bank is just wake up the rabbit, there are good basic conditions, can make electricity robbed the development opportunities, now began to comprehensive counter-attack.

Ali financial cooperation with CCB, for example, in 2007, the first electric commercial credit, recommended by ali customer resources, the construction bank to provide loans. But as the credit concept differences, cooperation of the two ended in 2011. Ali since small business loan to development and success "victory", but it was not until last year, CCB introduced its electric business platform.

"Wait for ali small loans start to make money, the bank realized the huge business opportunities, but the bank once, many inherent advantages it was there, such as hand money and product, high credibility, to master a lot of offline clients, etc." A stake in line said retail sales department.

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