On August 21, market an important news: su ning official confirmed to the media, the company is apply to the relevant departments to set up the "suning bank". It is reported, suning has API oil welded steel pipe registered the domain name "suningbank.com". In the electricity business financial under siege from the pool of the smoke, as a third of B2C electronic business platform, domestic suning at this time to apply for a banking licence what? Whether financial attributes are derived from the electric business platform to find a new path? Why not do bank financial ali?
Started with electric business platform for online shopping and electricity financialization is platform data accumulation and the inevitable development trend of use of credit. Development to a black carbon steel butt welded concentric reducer certain degree of commercial credit and bank credit effective docking. At present, Banks and electric business platform is the comparison of the two credit accumulation of detailed, have the perfect data pool credit data using potential.
On the performance, the bank data accumulation time is long, structured feature is not obvious, and most of the lack of consciousness of sensitive data; Electric business platform as a rising star in the ASTM A234 socket welding pipe fitting tee field of credit, is itself and flow, data dealing with everyday, by the online trading information for commodities sales, and gather the sticky, so the hierarchical, structured more complete, the data flow of the reaction is more agile.
Electricity (back to retail) do to a certain extent, it is not surprising that the derived financial attribute. Wal-mart once want to set up a bank, but the regulators don't release, the reason is that ecological damage Banks, easy cause deadly threat to American community Banks, small and medium-sized Banks. Analysis from the essence, electricity financialization seemingly "cross-combination", is actually the cash flow and information flow. Banks and electricity actually represent the two kinds of flow, one is the cash flow, information flow is a commodity trading. With the improvement of electronic level, have the electricity traders began to how commodity trading platform directly, because consumers directly through the electricity, the front end to achieve the buying and selling goods and the expression of spending power, without the need to hold large amounts of cash to do direct trading market. So, through the third-party payment, electricity for the connection of the cash flow and information flow, completed only in the traditional sense unique payment and bank credit function.
Su Ningyun traders apply at this time, open suning bank, is in effect for a long time or just borrowed regulators "allowed to set up own risk of private bank" of the east wind? The beginning of the first, let's review our electricity financialization: electricity between Banks and financial cooperation.Electricity financialization initial performance is a third-party payment, such as pay treasure, its function is online payment, such as water and electricity gas life and transfers and payments. By the second stage, the electricity business data, credit accumulation full-fledged, begin to seek cooperative development and bank credit business, this is the good commercial credit and docking bank credit. Such as alibaba, as early as 2007 and China construction bank, icbc has established cooperative relations, the development of the network credit, business in zhejiang, Shanghai, fujian and other places. But due to the credit audit, wind control concept and fundamental conflicts between the distribution of interests, finally parted ways. It also fully shows that electricity ecological credit and bank credit docking needs a transformation mechanism, and the mechanism needs to be in the financial development of the Internet to a more mature stage to produce smoothly. The jingdong cooperation with bank of China supply chain finance, B2B platform hc360, dunhuang nets, is still a mode of electricity + bank, just bank before electricity made more concessions. In the short term, they, electricity won the bank's cash flow, and the bank received a commodity information and deal flow, to avoid the "background". But as to the cooperation to avoid cracks.
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