The Rigid Internal Banking System Is The Key Issue.

Since the birth of the balance, all kinds of "baby" products, P2P, public chips and other Internet banking formats have risen rapidly. In the face of the impact of deposits, financial management, loans and other businesses, banks have been fighting back to explore the path of Internet financial pformation.

Recently, ICBC has upgraded e smart financial products. Users can pay directly with the financial balance when shopping on the e purchase platform.

But analysts believe that this lack of upgrading and innovation, the slow pace of Internet banking pformation of commercial banks, mostly copied from the successful basis of others.

The reason is that the rigid internal banking system is the key issue.

Many high-yield products such as P2P and public chips have springing up, while the fever of "Internet baby" products has been gradually reduced. The convergence of the "baby" products gains the attention of various institutions to liquidity.

The industrial and Commercial Bank of China has upgraded e smart link recently. The e smart money balance can be used directly in ICBC's e-commerce platform when it buys e online.

It is understood that e is a net cash management product launched by ICBC, based on the Internet concept.

When users purchase e smart financial products, they can not redeem e smart phones while buying and purchasing e products. Instead, they are paid directly by financial products, and are not subject to time constraints, and are always ready to pay for them.

User experience is like users using the balance treasure, shopping on Tmall, Taobao and other platforms.

ICBC personage said in an interview with reporters that the move will provide more convenience for e smart customers, enhance the Internet attributes of ICBC's financial management, and on the other hand, will enhance the overall competitiveness of the e purchase platform to meet customer needs and experience.

Liu Yinping, a 360 analyst, told reporters that the process of exploring Internet finance is quite positive. However, the mode of direct online shopping that balances e's purchase of available financial products has long existed in the Internet financial field, so ICBC's behavior is not innovation.

Moreover, compared with other e-business platforms, the merger of E has no obvious advantages, and it has little power to come back. It can only be developed by some old customers of ICBC, and its contribution to Internet finance is negligible.

In fact, this e smart upgrade is the same as the balance treasure path of ant gold service, which is to load more application scenarios for the business.

In the industry view, although commercial banks actively explore

Transformation, but the effect is not outstanding.

Since the birth of the balance, all kinds of "baby" products, P2P, public chips and other Internet banking formats have been rising rapidly, which has impacted on bank financing and loan business, and the bank deposits are facing greater drain pressure.

Therefore, banks are fighting back to explore the way of Internet financial pformation.

From the early "baby" products, direct selling banks to the subsequent P2P platforms, etc.

For example, ICBC, Minsheng Bank, China Merchants Bank and CITIC Bank have upgraded their mobile banking and innovated in mobile finance; small and medium sized banks such as China Merchants Bank and package bank are testing P2P platforms.

And the biggest action is the e-ICBC overall strategy of ICBC, integrating e-commerce platform with e purchase, instant messaging platform melting E and open cell phone banks to e, and setting up a network financing center to enter the field of Internet finance.

However, none of these attempts has been tested.

Take the banking system P2P as an example, the Bank of the contractor bank has been pformed into an aerobic finance. The new platform is positioned as a direct selling bank. The original pony bank will withdraw from the stage of history. However, the small business e of China Merchants Bank, Qi Yue e of Qi Shang bank, and the fusion letter of e of Jiangsu bank have not issued the new standard for several months.

According to the data obtained by reporters, the e of the ICBC has been launched for over a year, with a scale of 10 billion yuan.

and

By the end of last year, the scale reached 620 billion 700 million yuan, and it is still the largest public fund product in China.

Liu Yinping also said that at present, the Internet banking pformation of banks is still in the stage of "cool down" by the predecessors, and the innovation is not large. Most of them are extended and expanded on the basis of others' success.

In addition, banks are not as bold as Internet financial institutions and are not big enough to move forward. This is determined by the nature of traditional financial institutions.

Ping An Bank governor Shao Ping wrote recently that he supported the development of banks in the past.

The gradual disappearance of banks has raised new challenges to the efficiency of banks' elements, the capacity to go out, the reduction of costs and the shortage of compensation boards.

There are many problems within the commercial banks, which need to be solved urgently, including the lag of organization and system.

Most banks still remain in the former stage of relationship based marketing, lacking strong customer guidance, business planning and support.

The huge scale of assets, the number of employees and branches make the efficiency of bank organization relatively low, and there is a great depression and constraint on business vitality.

Experts believe that the banking industry in the financial pformation of the Internet products are lagging behind, lack of innovation, the core reason lies in the system.

Ma Tao, an analyst with Analysys International, points out that the key problem for banks to explore Internet finance lies in the rigid system and lack of flexibility, which is lagging behind in strategic layout and product development efficiency.