本报讯 首席记者 徐可奇 同业是竞争对手，而异业则是联盟对象。近期，为了拓展营销资源，实现强强携手，互惠共赢的目的，国内金融业频频出现“异业联盟”的现象。记者昨日了解到，招商银行(600036,股吧)、中国联通(600050,股吧)及东方航空(600115,股吧)签署异业联盟合作协议，可以联动拓展高端客户和共享网点和渠道，从而实现跨业揽客互相共赢。另外，中国平安(601318,股吧)、腾讯和阿里巴巴此前也已达成“异业联盟”，探索互联网新金融的道路。

Report from our correspondent chief reporter xu can odd trade is competition,Different industry is alliance object.recent,In order to develop marketing resources,Willing hand in hand to achieve,The reciprocal benefit altogether wins goal,Domestic financial industry appear frequently"Different industry alliance"phenomenon.Reporters learned yesterday,Merchants bank(600036,guba)/China unicom(600050,guba)And eastern airlines(600115,guba)Different industry alliance cooperation agreement signed,Can linkage development of high-end customers and sharing network and channel,LanKe combination, so as to realize mutual win-win situation.In addition,China peace(601318,guba)/Tencent and alibaba previously have been completed"Different industry alliance",Explore the Internet new financial way.

　　招行携手联通和东航 China merchants bank to unicom and China Eastern airlines

　　据记者了解，招商银行、中国联通及东方航空近日签署异业联盟合作协议，招商银行行长马蔚华、中国联通董事长常小兵和中国东方航空集团公司总经理刘绍勇等三位各自行业内的巨头均亲自到场。

According to reporter understanding,Merchants bank/China unicom and eastern airlines recently signed the different industry alliance cooperation agreement,China merchants bank President MaWeiHua/China unicom chairman chang and China Eastern airlines group company general manager LiuShaoYong three respective industries such as inside the giant are present in person.

　　“中国联通、东方航空与招商银行结成异业联盟可以说是天作之合，具有强大的协同和互补效应。”招商银行行长马蔚华对记者表示，这三家企业均拥有庞大的客户群、丰富的产品线以及广泛的营销和服务渠道，所在的通讯业、航空业和银行业又都是与人们生活息息相关的行业。

"China unicom/Eastern airlines and China merchants bank form different industry alliance can be said to be a match made in heaven,Has strong coordinated and complementary effect."China merchants bank President MaWeiHua told reporters,The three companies have huge customer base/Rich product line and extensive sales and service channel,Communications in/The airline and banking and are closely linked with people's life of the industry.

　　记者了解到，此次异业联盟的三方都具有雄厚的客户群、产品和渠道资源。其中招商银行拥有机构网点900多家，中国联通各类用户总数超过3.8亿户，东航旅客运输量位列全球前五。

The reporter understands,The different industry alliance tripartite have strong customer base/Product and channel resources.The China merchants bank has more than 900 outlets of the home,China unicom all kinds of users totaled more than 380 million households,China Eastern airlines passenger volume ranked the first five.

　　马蔚华分析：无论是通讯、航空还是银行，在某种程度上都具有信息属性，对信息科技、数据管理等都具有很强的依赖性。因此，招行、联通和东航等三方可以在高端客户联动拓展、产品和服务创新、物理网点和电子渠道共享、增值服务延伸、数据挖掘与分析等方面实现优势互补与深入合作，进而为各方带来新的成长动力。

MaWeiHua analysis:Whether communication/Aviation or bank,In some extent, has information attributes,The information technology/Data management and so on all have very strong dependence.therefore,travel/China unicom and three party can be in high-end customer linkage development/Innovative products and services/Physical outlets and electronic channel share/Value-added services to extend/Data mining and analysis, and achieve complementary advantages and further cooperation,And then to all bring new growth power.

　　“三驾马车”先行一步 "troika"One step ahead

　　据记者了解，招行携手联通和东航在金融业内并非首次出现的“异业联盟”，“三驾马车”此前已经在这方面先行一步。中国平安董事长马明哲在今年的中报业绩发布会上确认，将与腾讯的马化腾、阿里巴巴的马云准备在上海成立一家合资公司，探索互联网新金融的道路。

According to reporter understanding,China merchants bank to unicom and cea in the financial industry is not first appear"Different industry alliance","troika"Had already in this respect one step ahead.China peace chairman Mr Ma in this year's performance center daily news conference confirmed,Will and tencent's MaHuaTeng/Alibaba ma in Shanghai to set up a joint venture company,Explore the Internet new financial way.

　　相关业内人士介绍，中国平安作为一家大型金融企业与另外两家知名互联网公司合作，本质上也是属于“异业联盟”。这家新成立的公司为众安在线财产保险公司，最大的特点是除注册地在上海之外，全国均不设任何分支机构，完全通过互联网进行销售和理赔服务。众安的产品主要包含两个方面：基于互联网的产品和基于物联网的产品，例如虚拟货币失盗险、网络支付安全保障责任险以及基于语音技术的保险保障服务。

The personage inside course of study introduces related,China peace as a large financial enterprise and two other well-known Internet companies,Essentially belongs to"Different industry alliance".The new company for the Ann online property insurance company,The biggest characteristics is a registered outside except in Shanghai,The national are not set up any branch,Completely through the Internet sales and claims service.The Ann's products mainly include two aspects:Based on the Internet products and based on things networking products,For example virtual currency be burglarized risks/Network security liability insurance and pay based on speech technology insurance service.

　　一家上市银行的高管预计，金融业将会出现更多的“异业联盟”现象，因为这有助于跨业揽客提升盈利能力。银行业在利率市场化的进程中急需增加非利息收入比重，与电信业和航空业合作可以达到共享客户的目的。

A public bank executives expected,The financial industry will appear more"Different industry alliance"phenomenon,Because it will help LanKe combination, boost profitability.The banking industry in the process of interest rate marketization in urgent need of increasing the proportion of non-interest income,And telecommunications industry cooperation and sharing can achieve the purpose of the customer.

　　“下一步三家企业将依托最新科技实现银行、通讯和航空三大服务平台对接的全新合作模式。”马蔚华透露将结合招行、联通和东航各方的核心优势，打通不同产业间的壁垒，形成一个可自主成长的生态共同体，向客户提供一站式的银行、通讯、航空服务，此模式将极大地改善客户体验。

"The next three companies will depend on the latest technology to realize the bank/Communication and aviation three service platform butt new cooperation pattern."MaWeiHua revealed will travel with/Unicom and cea core advantage of all parties,Get through between different industries barriers,Form a freedom to growth of ecological community,To provide customers with one-stop bank/communication/Aviation service,This mode will greatly improve the customer experience.