Can Internet Finance Help Car Electricity Suppliers?

For many families, cars are already necessities of life, not expensive luxuries.

In China, there is still great potential to be excavated. After all, the penetration rate of domestic cars is far less than that of developed countries.

In the process of accelerating the popularization of vehicles, the integration of Internet elements has brought about a new way of pmutation.

According to the normal Internet thinking, it is similar to other commodities.

The platform will be the best way to speed up the popularity of cars. After all, Taobao has changed its consumer habits.

But in fact, with the passage of time, the Internet giant found that the electronic business platform is not the best way to get a slice of the car industry.

There are too many factors to become the obstacle for further development of automobile electric business.

Therefore, the Internet giant began to invest more in the mode of automobile convergence of Internet finance.

Can Internet finance really save the dream of car business?

Under the sweep of the Internet + wave, traditional industries have not escaped the infiltration of Internet elements.

The most basic, but also most important, necessities of life are all included.

However, it seems that there is no essential change in the impact of the Internet wave.

Although APP, such as selling rooms, renting houses, hotel reservations, etc., emerge in an endless stream, the most basic housing purchase is still in the traditional line.

As for this aspect, although the trickle trip, Ctrip and other diversified travel means emerge in an endless stream, the most basic car is still in the hands of 4S shop.

Before the emergence of electricity providers, hope to do is like other commodities, to build a complete e-commerce sales chain.

That is to say, the original ambition of the auto electric business is very large, and it wants to provide a one-stop service for buying car crowd from seeing, buying, and even selling second-hand cars at last.

To this end, the automobile business providers are willing to launch various related businesses.

Ali set up the automobile department in April last year, and signed a strategic agreement on automotive Internet with Yongda motor in August. In addition to the parallel import and second-hand car business, Ali also adopted the "sell the country at a single price" mode.

At the same time, the original automobile related automobile media also have their own advantages to launch e-commerce platform.

The car house, the shopping mall and the exclusive car consultant are all part of the test.

But up to now, no auto electric supplier has announced that it has made profits or subverted the traditional mode of buying cars.

The reason is that the traditional 4S stores still occupy the most important channel of car sales, and hinder the development of automobile electric business.

To put it simply, a car electric business is similar to an ordinary electronic business platform. The goods sold on it must be priced relative to the line, so that they can be recognized by consumers.

As a valuable consumer product, the automobile has no obvious price advantage in the automotive e-commerce platform.

After all, there are N multi 4S stores under the line. If auto companies provide goods at low prices for automobile electric providers, they will undoubtedly greatly damage the interests of deep-rooted 4S shops.

Neither automobile companies nor 4S stores are willing to see such a situation -- car companies do not want to lower their profits.

Once the price advantage is lost, the car electricity supplier has no advantage over the 4S store.

After all, in the case of a price equivalent, consumers will choose the 4S shop under the line for the purpose of vehicle inspection and later maintenance and repair.

Therefore, to provide a comprehensive service of the auto electric business, actually is only to draw a big cake for himself.

Even Ali, who is well capitalized, can hardly change this reality.

Under the realities of difficult to continue the car business, it is inevitable to find another way out.

The first change is the original ambition to become the boss in the field of automotive electronics Ali.

Ali recently announced that he would no longer sit alone in the auto sales business. He should turn the focus of the auto business to the auto financial market and do a good job in vehicle owners' service.

This will not only shock the entire automotive business, but also have a profound impact.

Wang Licheng, general manager of Ali automotive division, explained the reasons for turning to the automotive financial market at the Sixth China auto consumption forum and the Internet auto Innovation Summit.

In addition to the fact that online car sales do not have practical feasibility, the most important thing is that Ali found that the real value to the car buying crowd is to contribute suitable financial products.

In particular, with Ali's big data collection, in-depth research, and the expansion of the size of ants' gold clothing, it gives the car finance a great deal of operating space.

According to Ali's top brass, consumers who have good credit on Tmall and Taobao will even be able to borrow money when buying a car.

That is to say, the car that buys 250 thousand yuan can borrow 250 thousand yuan! This is more powerful to the drive of car market than pure electric business channel.

Ali, who has the perfect electricity supplier gene, can not play the role of auto electricity supplier. Instead, the Internet Financial curve has been pformed into the automobile field. What is the other auto electric business waiting for? What's more, the Internet company is trying to find a way to make money in the field of automobile, although it is actually a way to evade the car sales business.

From the side, it proves that even Ali has no challenge to the traditional car sales model with 4S shop as its core.

Behind the apprentice, the ability to subvert the Internet is not enough.

The magic of Internet + is an overwhelming temptation for most traditional industries.

With the integration of Internet elements, we can let ourselves have the possibility of pformation and upgrading, and then get further development.

But for the auto sales industry, car companies and 4S stores are both vested interests and main participants in the industry. To let them hand over the channels and interests chains in their hands, they are both the banner of the Internet and the wishful thinking.

At present, the +4S shop mode of car companies has been criticized, but it is still hard to shake in the short term.

On the other hand, the so-called "Internet plus" is very old, and it can hardly be called the real Internet +.

Simply moving the pattern of e-commerce sales to car dealers, not only lacks innovation, but also leads to a higher threshold.

What can really help is just a few tycoons and auto media, which is not enough to change the traditional sales mode.

Today, it seems to be another way to get into the automotive industry from the perspective of auto finance, but it still needs to be observed whether it can impact the auto sales industry.