The rapid growth of
e-commerce has not brought the expected business income for the bank, but because of the influence of the third party payment companies, the role of banks in the transaction process is weakened.
therefore, self business platform has become an important attempt to strengthen their own bank transaction status and presence, and how to use the bank’s resources to provide a variety of original financial services to promote the development of trade, to the "melting" to promote "business", is a problem placed in front of the bank.
according to the latest statistics in 2012, the total size of China’s e-commerce market will reach 10 trillion and 100 billion, is expected in 2014 the total market transactions will reach 20 trillion and 600 billion.
in the electronic commerce market booming in the background, the first test is the Construction Bank Chinese, the introduction of good financial business platform, the simple settlement relationship changed the banking industry in the original and electricity in the capital settlement on.
this may mean that the banking industry has begun to build the platform by the way of self electricity providers, seeking to participate in the development of a wider and wider range of e-commerce.
build selling points to test the water retained capital interest
From the current situation of
bank self open platform of electronic commerce, the current bank business platform not directly with the current Taobao, Tmall, Amazon and other Jingdong, but through competition, to provide more diversified financial services to businesses and consumers in platform to promote sales, and greater development of customer groups, finally by providing additional financial services for customers to make a profit.
according to the current disclosure of the message is estimated that the third party online payment transaction size in 2011 only on the scale of more than 2 trillion yuan, according to the current interest rate of 0.5%, the interest generated at least one year of up to 27 million. The interest income generated by the two sides of the retained capital of the transaction is directly controlled by the major e-commerce platform and third party payment instruments.
at the end of August 2012 fourth batch payment mechanism for risk management work on the topic, the central bank payment and settlement secretary in charge of relevant departments of the current criticism of the third party payment tool of misappropriation of deposit capital problem. In this regard, CCB took retained funds interest, bank security funds Credit provides additional assurance for its own e-commerce trading platform, although the problem of interest attribution remains controversial, but the interest will be returned to consumers at least in bank intervention in the sincerity of the electricity supplier. No doubt to build a good platform for investment in the construction of an important selling point.
commission free to create low-cost operating mode
in order to attract more customers settled, in addition to the remaining funds to pay interest, the Construction Bank also reduced the form of other costs to reduce the operating costs of businesses on the platform.
according to the China Construction Bank, the electronic banking department of the market and business expansion of the Department of Li Zhipeng, from June 28th