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Jingdong Wading In The Financial Sector

2014/1/22 17:06:00 54

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Zhao Guoqing, chief strategist of Jingdong, said that there are more than 1 suppliers in Jingdong, and cooperation with Bank of China Beijing branch can help suppliers accelerate the flow of funds by providing financing support.

At present, Jingdong has accumulated a total of $1 billion 500 million, and has obtained more than 5 billion yuan from the Bank of China, the Construction Bank, the industrial and Commercial Bank of China and the Bank of communications.

Jingdong is involved in supply chain finance or one-step chess. First, it strengthens the supplier's dependence on its platform. Two, through the close cooperation with banks, it achieves a "big but not backward" backend layout.

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with the trend of traditional enterprises' electricity supplier, Internet financial lending business has become another big nugget space.

Jingdong's financial services include two parts: B2B and B2C.

Part P, part B2B provides financing and investment services to suppliers.

Financing includes order financing, warehousing financing, accounts receivable financing and entrusted loan financing. Investment includes cooperative investment trust scheme and asset pfer plan.

In these financing, Jingdong mall plays the role of credit between suppliers and banks, and the issuance of funds is done by banks.

a staff member of the Bank of China told reporters that Jingdong's suppliers could obtain the financing of the Bank of China after they were insured by the third party insurance institutions on the basis of sales contracts, cargo documents, insurance policies and Jingdong's confirmation documents signed with Jingdong.

on this basis, Jingdong also launched an investment business called "a href=" http://www.91se91.com/news/index_c.asp "asset pfer /a >".

For example, supplier A will pledge accounts receivable to bank financing, and banks can refinance accounts receivable to Jingdong or supplier B by means of financial products to get financial benefits.

Huang Jun, manager of investment and financing management department of Jingdong mall, revealed that the loan interest rate of Jingdong's supply chain financial services is up to 10%~30% on the basis of the benchmark interest rate.

This is cheaper than Ali's small loan interest rate.

in addition to launching B2B's financial services for upstream suppliers, Jingdong also plans to launch financial channels for ordinary users, including insurance, financial management, gold, credit pactions for ordinary consumers.

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one is a self built B2C electric business, one is the platform of B2B2C e-commerce platform.

Li Chengdong, an e-commerce analyst, believes that with the growth of both scale and the expansion of the ecological boundary, Jingdong and Ali have risen from the contention of users of electronic business to the war of supply chain between them.

a digital employee also told reporters that the supply chain war between Jingdong and Alibaba will come sooner or later. For suppliers, it is no longer the choice of which platform to cooperate, but the question of which supply chain should join. Financial services are the important sticky links of the supply chain and the concentrated embodiment of the resources integration ability of the supply chain such as logistics and payment.

he said that because financial credit requires credit vouchers, it often links closely with supply chain links such as payment and logistics, and guarantees by suppliers' data and credentials on payment, logistics.

This also means that once the supplier wants to apply for financial loan service, it needs deep docking with Jingdong in terms of logistics and payment, so it is difficult to get rid of Jingdong ecology.

Ali also realized the adhesion of financial services to platform supply chain and ecology very early.

This year, the chairman of Alibaba's board of directors, Ma Yun, proposed the plan of "platform, finance and data" for Ali next year.

, however, from the point of view of the mode, the financial services of Jingdong and Alibaba also differ from each other because of their different ecology.

2010, Ali small loan company was set up in Hangzhou to build a financing mode of "platform plus small loan". Through Alipay as the channel of operation capital, the cooperative bank provides loan service.

As of June 2012, Ali small loan has provided loans for 13 000 small and micro enterprises to exceed 26 billion yuan.

but because of the small and medium-sized sellers on the Taobao platform, the scale is relatively small, and Taobao has no unified logistics service docking. Therefore, it is very difficult for small and medium-sized sellers to get financing because of the difficulty in issuing credit guarantee documents.

In addition, Ali small loan amount is generally in the 50 thousand ~100 million, because the seller is small, the risk is higher, the annualized interest rate is about 18%, higher than the benchmark interest rate of more than 30%.

< < a href= > http://www.91se91.com/news/index_c.asp > > Jingdong < /a > according to the unified logistics service and large scale merchants, credential credentials are more easily reflected and can be obtained through logistics documents.

There is a view that the short board of Jingdong is paying, and the short board of Ali is in the credit voucher and logistics data, all of which are the choice of suppliers for the camps.

Li Chengdong believes that financial services are also one of the basic settings of the open platform. It needs to link up with logistics and payment and open to the partners of the platform. This is also a step that Jingdong must take in learning WAL-MART mode.

the next step of Jingdong may be to introduce profitable derivative products on the basis of user pool and merchant pool.