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Banks Have Set Foot In The Electricity Business.

2014/5/2 11:40:00 43

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banks have never given up their efforts in the field of electronic commerce.

ICBC has recently launched the "e purchase" electronic commerce platform. The Bank of communications online shopping mall has launched a new upgrade. It launched the banking business platform with the concept of "the first integrated consumer department store", becoming a new move of the banking department's e-commerce platform since the beginning of the year.

However, compared with the previous "a href=" http://www.91se91.com/news/index_c.asp "Tmall" /a "double 11", Taobao "double 12" and jumei.com "3.1 anniversary" and other electronic business activities, "the whole nation is mad to rob" the situation, the banking business platform appears a lot of gloomy.

2013, China's electricity supplier turnover exceeded 10 trillion, reaching the highest point in history.

Among them, B2C market competition is hot, but most of the market is still monopolized by Tmall mall, Jingdong, Suning and other old business.

In this situation, many professional electrical business enterprises have been struggling, let alone the banking business of half way out of business.

since 2012, China Construction Bank, Bank of China, communications bank, merchants bank, industrial and commercial bank, Everbright Bank, Xingye Bank, Minsheng Bank and so on have extended their contacts to the electricity supplier field.

In order to innovate, banks have launched various distinctive e-commerce platforms, such as the online shopping mall of the Construction Bank, "good fusion business", the "Bank of Communications" of the Bank of communications and the "Xingye mall" of Xingye Bank.

However, the banks have been trying to launch an electronic business platform.

Take the Construction Bank of the first "crab eating" as an example, the total paction volume of the "online business" of CCB's online shopping mall did not exceed 30 billion yuan until the end of 2013, which was only about 3/4 of the annual turnover of Taobao's 43 billion 300 million yuan in 2007.

Seeing the bank's electricity supplier giving such an embarrassing report card, people can not help questioning whether the bank's hydropower business really has no advantage.

in fact, compared with Internet companies, banks have many advantaged advantages in engaging in electric business.

First, the bank, as the main payment link of B2B, has rich enterprise and customer resources.

In particular, as a clearing bank for industrial and commercial enterprises, banks have first-hand customer credit files, which provides convenience for them to open up markets and attract merchants.

Second, banks are sitting on the offline outlets all over the country, which can drive the docking of entity merchants and online sales under the line, and to a certain extent, ensure the after-sale and distribution services under the line.

Third, banks have more creditworthiness certification than the general Internet companies, and they can help consumers choose high credit and good service businesses to relieve them of their worries.

Fourth, pactions are simple and quick.

In addition to experiencing convenient payment, consumers can also apply for consumer loans online to meet the needs of shopping in real time.

banks must be full of confidence in the business of electricity. However, banks that are full of ideals are constantly confronted by the reality of their bones.

Why do we encounter this embarrassment?

1. Lack of products with high cost performance.

For consumers, they are most concerned about the quality and price of products.

After all, the products with high cost performance are loved by everyone.

However, the major banks seem to lack the sensitivity of the market, and when Jingdong, suning.com, vip.com and other electricity providers sweep the market at low prices, they appear too indifferent.

Such a "fresh and refined" temperament can only discourage consumers, and finally leave the bank to "indulge in self admiration".

Second, sales supply chain is not formed.

Nowadays, < a href= "http://www.91se91.com/news/index_c.asp" > Bank < /a > electric business still stays at the level of providing platform and financial services, and sales supply chain is not yet in scale.

Lack of logistics and warehousing support, so that the services of bank electricity providers are greatly reduced.

The separation of logistics and warehousing makes the goods spend too much time on the road, which takes up a lot of time cost and consumes the enthusiasm of consumers.

Third, platform closed, limited source.

At present, the domestic bank credit card mall platform is only targeted at the users of the bank card holders. Compared with the Internet companies, they lose the starting line on the tourist source. The interest free installment is a major highlight of the bank's electricity supplier payment, but it blocks many customers who are attracted by it.

Banks call it "quality shopping experience" for our customers. However, a bank electricity supplier who has abandoned a forest with a tree has failed to make the special service bigger and stronger.

Fourth, lack of < a href= "http://www.91se91.com/news/index_c.asp" > Traffic < /a >, it is difficult for merchants to manage.

The bank is a supplier of financial services to e-commerce providers.

Traffic is the key to success or failure.

"Wine is not afraid of alley" is no longer there. One of the prerequisites for the success of the electronic commerce platform is to attract users into the website and increase the amount of visits.

However, banks are not Internet portals. It is difficult to attract large quantities of traffic to meet the needs of online merchants.

Businesses are hard to manage, and the electricity supplier platform is cold.

In the past, banks have positioned themselves as an electronic business platform for providing financial services, selling goods by online merchants, providing financial services only by themselves, and placing themselves outside the entire sales link. P

Separation of functions results in alienation in cognition.

Banks that are not worried about their sales performance do not need to pay special attention to the needs of consumers; do not pay enough attention to the trend of current commodities; nor do they need to study the promotional activities of their competitors every day.

As a result, the consumer's eyes do not sell goods, prices remain high, lack of promotional activities of the banking business platform.

for this reason, the author thinks that through the cooperation of all sides, we can diversify the service on the platform and make up the short board of the existing platform in commodity service, marketing service and distribution service, so as to provide consumers with a brand new shopping experience.

secondly, in the face of the various electric giants in the original barrier and the cross-border a href= "http://www.91se91.com/news/index_c.asp" > the electricity supplier < /a >, the banks can choose to avoid the big business giants such as Jingdong electric appliances, Dangdang books, jumei.com cosmetics, vip.com clothing, etc., and re analyze the junction of the giant territories, seek the opportunity to seize the opportunity; use differentiated management mode to create the brand with distinctive features, and increase the sales promotion efforts to capture the personalized market.

finally, in order to attract more consumers, banks can appropriately relax the conditions of their special services for users of the bank, such as credit card mall interest free installments and other businesses.

Under the premise of ensuring that users of the bank have priority in services, they can cooperate with other banks or UnionPay to take the first interest free interest rate, short time ladder free interest and other means to open up shopping threshold, attract non bank users to try and experience, or contribute to the promotion of their platforms and the development of their own financial services.