Jingdong'S Bigger Ambitions Compete On Higher Platforms.

< p > traditional a href= "http://www.91se91.com/news/index_f.asp" > electricity supplier < /a > today, it has changed from simple electricity supplier sales to an integrated online sales, financial management and payment platform for electricity suppliers, payment, integrated finance and logistics. For the mainstream electricity providers, how to do well the business of relying on finance and improve user activity and stickiness has also become a necessary stage for the development of the electricity supplier.

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< p > from the perspective of the development of the electricity supplier, nowadays the electricity supplier is no longer so pure. Instead, it is moving towards the compound and cross boundary. The development of the electronic business platform in the post electricity supplier era can draw more lessons from the Jingdong group's mode.

After listing, through a series of cooperation in shareholders' rights and interests, Jingdong group has passed the three main networks of "electricity, finance and logistics" to pform into the post electricity supplier era.

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< p > < strong > Jingdong's business dismantling: it is more than electricity supplier < /strong > /p >

< p > as a Jingdong mall which starts with home appliances 3C, through the layout of Jingdong group, it promotes the cooperation of financial services between B terminal merchants and C terminal customers in its own eco circle under the group's Jingdong financial products and business, and then realizes the financial services links at the two ends through the payment tools of online banking wallet. In fact, it is expanding the platform's internal trading activity with the idea of electronic commerce finance.

The electricity supplier industry chain is not an isolated and fragmented component, but a systematic business process.

From supplier to platform, to product description, customer purchase, payment and logistics, it also includes financing and consumptive financial services to suppliers and terminal customers. Under the trend of Internet technology and big data, the integration of e-commerce, logistics and finance is becoming more and more deepened.

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< p > May 22nd, Jingdong listed on Nasdaq, listing assets including its Jingdong mall group, Jingdong financial group, rap network and overseas business department 4 parts of business structure.

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< p > from which we can see that finance is an inseparable part of Jingdong's e-commerce business. As a strong support for Jingdong's main business, Jingdong finance will become a good derivative service. It will enhance the stickiness of e-commerce consumption through financial services and establish its own financial service system.

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< p > < strong > Jingdong's strategic force: financial "four in one" < /strong > < /p >.

< p > 6.18 is the annual promotion festival of Jingdong mall. This year's special feature is that Jingdong will launch "1 billion red envelopes nationwide looting" activities on WeChat, mobile QQ and Jingdong mobile clients.

The logic behind it is that Jingdong mall will achieve a financial support framework based on finance and electricity supplier as an ecommerce financial framework through the close coordination with Jingdong finance, through the combination of business processes and products, and restructuring of the business: < /p >

< p > Jingdong < a href= "http://www.91se91.com/news/index_cj.asp" > Finance < /a > includes four parts: Supply Chain Finance (products: Beijing baby), consumer finance (Jingdong white strip), online banking (online banking wallet is payment tool), platform business (small Treasuries).

Jingdong mall and small coffers and white bars guarantee quick shopping experience, while discount discount and small Treasuries' financial value-added functions make users feel the benefits.

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< p > from a complete Internet financial structure, the above four parts of Jingdong finance have basically achieved full coverage and set up their own internet financial services network.

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< p > from the B point of view, there is Jingdong's supply chain finance service. Through cooperation with banks, the Jingdong business data and order and prepayment are used as the basis for credit, bank funds are used as the source of credit, and comprehensive financing services are provided for merchants. With the establishment of the small loan and the development of later business, the financial services of the Jingdong mall will be more independent.

In the first month of 2014, Jingdong's supply chain finance loan reached a new high of over 1 billion.

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< p > from the C point of view, the cooperation between Jingdong's white stripes and small Treasuries will bring better Internet shopping and financial experience to Jingdong's more than 100 million electricity supplier users, that is, making money while buying, making consumption and value-added two.

This is a relatively perfect financial service mode for C end customers, which is to stimulate users' desire to consume in Jingdong through the purchase of IOUs. Meanwhile, the idle funds of customers are kept in small coffers, and the annual yield of 4%~5% is obtained, which brings more capital flow to the C end of Jingdong Finance.

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< p >, as the core of Jingdong finance, Internet banking wallet will become a fulcrum connecting the above financial services in the future, that is, the core of payment for Jingdong finance in the future. Through this core, we can provide a better payment basis for B terminal and C side financing and consumption.

At the same time, in the context of improving its own payment processes and application scenarios in the ecosystem, Jingdong financial online banking wallet can be applied through more scenarios to pay for the tentacles, integrate external business forms, and provide more scenarios for Jingdong's supply chain finance, consumer finance and online financial services.

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< p > < strong > greater ambition of Jingdong: compete on a higher platform < /strong > /p >

< p > from the B2C market share and the integrity of the financial structure, Jingdong group's Jingdong finance is still not the leader, but with the combination of internal business and the launch of Jingdong financial services, Jingdong finance has already had a strong market competitiveness in some areas.

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< p > in addition, with the cooperation between Tencent and Jingdong in the field of electricity supplier, the B2C platform QQ online shopping and C2C platform are merged into Jingdong, while Jingdong also enjoys the minority rights of Yi Xun network and the right to purchase the remaining equity of Yi soon network.

That is to say, Tencent has incorporated its electricity business into Jingdong, and it has brought more online traffic to Jingdong through WeChat's open interface on mobile services.

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< p > Jingdong has gained a larger share of the B2C market on the one hand, which has won the online traffic entry (WeChat shopping and the red packet privileges), and on the other hand, has established a perfect Internet financial structure through the improvement of the Jingdong financial structure, and has gained the share of the QQ market.

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"P >" thus, a large flow, large platform of e-commerce + financial services platform will be initially built up, "a href=" http://www.91se91.com/news/index_f.asp "> Jingdong < /a > also want to rely on this larger platform to compete with competitors in the post electricity supplier era.

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