recently, some media reports, according to the China e-commerce research center monitoring data show that in 2015 the ICBC financial e purchase electricity supplier platform turnover exceeded 870 billion yuan. According to projections, industrial and Commercial Bank of China last year, the average turnover of a single quarter is almost two times the Jingdong.
on the one hand, banking business in trying to expand the scale; on the other hand, CCTV in the recently reported financial e purchase and selling platform problems. Although the official response has been responsible for the micro-blog platform for related products off the shelf, but this event also exposed the banking business delivery was third, the bank through the exemption clause agreement does not assume responsibility for customer service, consumers can not guarantee the customer service service has become the banking system barriers electricity supplier development the.
, however, different from the traditional electricity supplier, the banking department is more electricity supplier will be combined with the financial, in terms of payment and payment methods are more obvious advantages, and even sell a variety of financial products on the site. The traditional electricity supplier in terms of logistics, services, goods and other aspects have more advantages.
this, many industry insiders said that banks do business Barry is the user’s transaction data. In any case, the electricity supplier giant into the financial sector, the bank reached the electricity supplier in the field, the two sides are carried out with a fierce fighting game.
A bank to do electricity supplier, today’s pattern geometry?
two models based, bank + electricity providers have admission
mobile phone digital, computer office, home appliances, clothing and accessories, maternal and child supplies, automotive supplies, jewelry……" This is not the taobao.com, Tmall, Jingdong exclusive stores, facing the incoming tide of Internet banking, more and more banks take the initiative to embrace the "Internet plus", to enter the electricity supplier.
road in the layout of the electricity supplier, the state-owned banks in the forefront, CCB good financial business, ICBC financial e purchase, the Bank of China Bank of Tesco, bank pay Bo, ABC e manufacturers steward of the five line business platform line, at the same time, Minsheng Bank, industrial bank, Hua Xiayin China Everbright Bank and other joint-stock banks are also exploring business strategy, have launched a shopping mall; the city firm is not far behind, Guangzhou rural commercial bank, Zhejiang bank, Bank of Bohai also have the layout in the field of electronic business.
it is understood that the bank involved in the field of electricity providers mainly B2C and B2B+B2C two models. B2C model of the service object is mainly for individual customers, such online mall, digital products, food gifts, gold and other products. However, as a prototype of the banking sector electricity supplier, the first bank credit card mall, almost all operating in this mode.
second "B2B+B2C" model, the Construction Bank of good financial business for enterprises engaged in e-commerce vendors can release of goods, online trading, supply chain financing on the platform, and the purchaser can also purchase on the platform, purchase information release and apply for loan financing. < >