Electricity Supplier Lending To Create A New Financial Battlefield
< p > the biggest feature of the two products is fast examination and approval.
According to the introduction, the whole process of "a" href= "//www.sjfzxm.com/news/index_f.asp" > "Jingdong Bao" /a "Jing Bao Bei" online examination and approval, risk control and loan is the fastest in the whole process of 3 minutes.
Even if the "electricity supplier through 2" developed by Shanghai Pudong Development Bank, under the condition of complete information, the fastest time for customer loan approval is only 10 minutes.
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< p > why can speed be so fast? It is mainly due to the analysis of big data.
It is understood that "Jing Bao Bei" is through the Jingdong platform procurement, sales, finance and other data integration and processing, and then complete automatic approval and risk control.
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< p > Shanghai Pudong Development Bank can not directly get the data of e-commerce pactions, but indirectly through the cooperation with the E solution provider E E, has obtained the paction information of the electricity supplier indirectly.
According to introducing, in this year Tmall "double eleven" promotion, about 1/4 of the paction is based on E shop treasure.
The Shanghai Pudong Development Bank said it could also cooperate with the express company in the future to judge its overall business situation through the delivery volume of the electricity supplier.
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After the establishment of the Ali small loan company in 2010, P, including the Jingdong, suing and other e-commerce platforms, also opened the related business.
In June, Jingdong founder Liu Qiangdong said that Internet Finance and logistics platform and technology platform will become the new direction of Jingdong business.
In August, Suning also confirmed that it is one of the main purposes to build banks and provide financial support for the upstream and middle and small suppliers.
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< p > > a href= "//www.sjfzxm.com/news/index_c.asp" > electricity supplier < /a > platform provides financial services, on the one hand, in order to better serve the electricity supplier, on the other hand, it has become a new way to make money.
Jia Penglei, editor in chief of the billion power network, said: "overall, the cost of online operation is no longer lower than that under the line, or even higher.
Because the electricity supplier has to pay a lot of manpower and technology costs, it is difficult to support the platform operation by making electricity price difference and service charge.
Therefore, financial services are likely to become a new way for business operators to make profits.
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< p > it is understood that the annual loan interest rate of Ali small loan is 18%, and the annual loan interest rate of < a href= "http://fz.sjfzxm.com/" > Jing Bao Bei "/a" is 10%.
Although this is not a huge profit, but because of the faster turnover rate and lower bad rate, this naturally becomes the profit source of "drought, flood and water conservation".
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< p >, however, the accession of < a href= "http://pop.sjfzxm.com/popimg/fz/index.aspx" > Pudong Development Bank < /a > shows that the small business loan that originally belonged to the electricity supplier platform "private land" is being eroded by traditional financial institutions.
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< p > although the electronic business platform has mastered a lot of data, it is short of money after all.
According to the provisions of the central bank and the China Banking Regulatory Commission, the financing of small loan companies from banking financial institutions must not exceed 50% of the registered capital.
This means that the size of the funds for small businesses is difficult to expand, and they can only use their own funds.
While Jingdong's "Jing Bao Bei" money is only a credit granted from a bank, its scale is relatively limited.
Once the bank grasps the paction data through the third party, it can completely bypass the electronic business platform and share the cake of the electricity supplier's small loan directly.
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< p > it is worth mentioning that at present, the reason why the electricity supplier is seeking "capital" is thirsty, which is related to frequent promotion of the electronic business platform.
Before each promotion, electricity providers have to prepare a large number of stock in advance. For small and medium-sized businesses, this naturally leads to tight funds.
Against this background, e-commerce platforms have launched small loan businesses, so insiders believe that this is a "profit trap for small and medium-sized businesses".
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< p > the bank's Surfacing will naturally affect the monopoly power of the electronic business platform to information and capital. What countermeasures will be taken by the electric power platform will be observed.
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