本报记者 杨中华 江苏报道

Our reporter jiangsu reported zhonghua Yang

　　电商突进金融业务，而银行也在尝试进军电商业务，“我中有你，你中有我”的格局正在形成。

Electric business dart financial business,But Banks are trying to electric dealer business,"I have your,'m"The pattern is formed.

　　在12月4-9日的6天内，于今年6月28日推出善融商务的建设银行(601939,股吧)，组织了16家媒体观察团兵分四路奔赴江苏、福建、湖北、广东、广西等区域考察，推介宣传其电商业务，对其的重视程度可见一斑。

On December 4-9 6 days,In June of this year, and introduced the construction of good melt business bank(601939,guba),Organized 16 media observers soldiers in four road go to jiangsu/fujian/hubei/guangdong/Guangxi regional investigation,To promote the electric dealer business promotion,The importance is obvious.

　　不只建行，交通银行(601328,股吧)更在建行之前推出了电商平台交博会，其他商业银行也正在摩拳擦掌、跃跃欲试。互联网与金融越来越交织，有人称，2012年是金融电商元年！

Not only the construction bank,Bank of communications(601328,guba)More in the construction bank launched before electric business platform into expo,Other commercial Banks are also fight/Itch to try.The Internet and financial more and more mixed,A person,2012 is the first financial electric business!

　　之前曾有媒体报道称，阿里金融撼动了商业银行。那么，全球资产排名前几位的商业银行如果进入电商行业，格局又会发生什么样的变化？

Earlier media reports said,Ali financial shake the commercial bank.so,Global asset top several commercial Banks if into electric business industry,What will happen and pattern change?

　　在利率市场化和金融脱媒紧逼下，商业银行转型刻不容缓。而商业银行介入电商平台，是一手顺应发展趋势、拓展新局面的妙棋，还是进入一个源源不断输入资金的困局？

In the interest rate marketization and financial disintermediation press next,It is the transformation of commercial Banks.The commercial bank's involvement in electric business platform,Is a trend/Develop new situation of clever move,Or into a continuous input of this money?

　　

电商新人 Electric business new

　　电子商务，正改变着人们的生活，将人们购物的触角伸向了全世界！有人调侃称，如果火星也有物美价廉的商品，电商的触角也会延伸至那里。

e-commerce,Is changing people's life,Will people shopping antenna reach all over the world!Someone said ridicule,If Mars also have good quality and low price goods,Electric business antenna will extend to there.

　　几年前，11月11日还只不过是高校内同学们之间调侃的代名词，如今，却成为电商大佬们拼杀促销赚足眼球、声誉和金钱的火热光棍节。而光棍节，也只不过是众多电商酣战最高潮的日子之一。在这一天前后，电商大佬们通过不同渠道或者“秀恩爱”，或者相约价格战，甚至大爆口水战，大戏从年头贯穿至年尾，消费者的眼球被牢牢抓住。

A few years ago,November 11, also is only in college students between the pronoun of ridicule,now,It has become electrical business giants roma promotion make full eye/Fame and money to the hot single day.And single day,Also just many electric business battle climax one day.In the day before and after,Electric business giants through different channels or"Show conjugal love",Or meet price war,Even big detonation spat,From year to year end through drama,Consumer eye be hold.

　　最惊心动魄的当属京东和苏宁易购的价格比低战役。6月18日，京东周年庆，苏宁易购、当当网的高层们纷纷在微博上进行“价格比低销售”，围剿京东。

The most soul-stirring, when is the jingdong and SuNingYi purchase price is low campaign.June, and,Jingdong anniversary,SuNingYi purchase/Dangdang network in the top in micro bo on"Price low sales",Encirclement jingdong.

　　而就在此时，“金主”银行系试水电商平台的消息扑面而来。

And all this time,"Gold Lord"Bank system test hydropower business platform on the news.

　　6月28日，建设银行推出善融商务，其中包含企业商城、个人商城以及房e通三大板块，为商户以及个人客户提供在线交易、结算支付、融资贷款、资金托管等综合金融服务，欲将其打造成为最专业一流的电子商务金融服务平台。

June, and,Construction bank launched the good melt business,Including enterprise mall/Personal malls and room e pass three blocks,For businesses and individuals to provide online trading/payment/Financing loans/Managed funds, and other comprehensive financial services,To make it the most professional first-class electronic business financial services platform.

　　在中国社会科学院金融研究所银行研究室主任曾刚看来，商业银行介入电商平台，肯定不会将其作为赢利点，毕竟目前电商平台烧钱比较厉害。同时，与其他行业相比，金融行业的利率相对较高。

In the Chinese academy of social sciences financial research institute bank research director CengGang looks,Commercial Banks involved in electric business platform,Certainly not as a profit point,After all, at present electric business platform burn the better.At the same time,Compared with other industry,Financial industry relatively high interest rates.

　　“建行仅仅是把善融商务当做一个平台，前期会投入大量人力、财力，然后会从之后的支付结算手续费、信贷融资和资金托管等金融服务赚取相应的利润。而目前其他电商平台则是通过产品差价、入驻费用、交易提成、推广费用等赚取利润。但是目前，建行的电商平台的短处则是宣传力度不够以及点击率和客户关注度不高。”12月13日，一位市场人士接受《华夏时报》记者采访时表示。

"Construction bank is just to get good melt business as a platform,Early will invest a lot of human/financial,Then after the payment and settlement fee/Credit financing and capital trust, and other financial services make corresponding profit.And the other electric business platform is through the product price difference/Annual fee/Trading commission/Promotion expenses and make a profit.But now,The construction bank electric business platform shortcoming is not enough publicity and click rate and customer attention is not high."On December 13,A market participants to accept[Chinese times]A reporter to interview said.

　　进驻建行电商平台的企业主们的观点与此相似。

In the construction bank electric business platform of the business with the same point of view.

　　本报记者全程参与了建行媒体观察团中的江苏队伍。作为首批进驻建行电商平台善融商务的企业，江苏诚和鞋业董事长陈霖也持此观点，他说：“电商不能用传统行业的思维方式来运行，而是要在很短的时间内，一炮冲出名堂来。”

Our reporter in the construction bank media observers of the jiangsu team.As the first in the construction bank electric business platform good melt business enterprise,Jiangsu honesty and chairman of the board of directors ChenLin shoes also hold this view,He said:"Electric business can't use traditional industry way of thinking to run,But in a short time,A gun out of it."

　　据建行一内部人士透露，在未推出善融商务之前，建行也曾考虑收购一家电商平台，但由于各种原因最终没有成功。

According to the construction bank a source said,In not produced good melt before business,The construction bank also had considered purchase a home appliance business platform,But for various reasons finally without success.

　　“在我未调任新职务之前，就有国有大行的老朋友，在酒后旁敲侧击问及建行电商平台的运作模式。而目前，国内几大商业银行也都在内部开始论证商业银行进入电商的可行性。”一位刚刚就职不久的建行内部人士透露。

"In my new position before not transfer,There is the state-owned big old ways,In the drunk beat around the bush asked CCB electric business platform operation mode.And at present,Several major domestic commercial Banks are in the internal commercial Banks began to argument into the feasibility of electric business."In a just near the construction bank internal sources.

　　撬动沉睡的利息 Prise sleeping interest

　　“电子商务是未来的大势所趋。我们厂的传达室基本每天都能够收到邮包。我最初创业时在江西卖电脑桌，都是骑着单车一个一个客户地去推广，现在大家都慢慢地习惯网上购物了。”江苏常州欧强装饰有限公司董事长苏建萍兴奋地向媒体考察团介绍自己的创业经。

"Electronic commerce is the future of the trend of The Times.Our factory's reception office basic every day to receive parcel post.My first venture in jiangxi sell computer desk,Is riding a bike a a customer to promotion,Now everybody slowly used to online shopping the."Jiangsu changzhou European strong decoration co., LTD., chairman of the board of directors SuJianPing excitedly to the media about their business delegation by.

　　不久前，苏建萍刚刚在善融商务平台上完成了一笔500万元左右的订单。

Not long ago,SuJianPing just in good harmony business platform completed a 5 million yuan order.

　　据苏建萍介绍，以前他们也曾使用电子商务，但是都是国外贸易，用于出口，国内的交易基本都是通过经销商来经营。但现在不同了，对电子商务的重视程度大增，不仅在天猫商城、阿里巴巴进驻，善融商务一推出，他们便进驻了。而类似于团购等的活动，他们也经常参加。

According to SuJianPing introduced,Before they had also use electronic business,But is foreign trade,For export,Domestic trade basic it is through the dealer to run.But now it is different,The electronic commerce pay attention to a degree,Not only in the day the cat mall/Alibaba in,Good business a out of harmony,And they entered.And similar to the activities of the group purchase, etc,They also often attend.

　　对此500万元的订单是否是其先前线下交易延伸及为何选择建行善融商务的疑问，苏建萍表示：“首先，在网上交易，要保证交易资金的安全，这方面，建行的善融商务肯定是最值得信赖的。其次，就是企业的尝试，国内电子商务越来越成熟，商家和客户的信任度越来越强，一拍即合，都愿意尝试这个新平台。”

This is an order for 5 million yuan the previous offline trade extension and why do you choose the construction bank good melt business questions,SuJianPing said:"First of all,In the online trading,To ensure the safety of the business turnover,this,The construction bank good melt business must be the most trustworthy.secondly,Is the enterprise attempt,Domestic e-commerce is becoming more and more mature,Merchants and customers' confidence is more and more strong,Chime in easily,Are willing to try this new platform."

　　11月11日，淘宝193亿元的交易总量，令习惯于线下交易的小微企业跃跃欲试。

November 11,,Taobao 19.3 billion yuan of total trading,To get used to offline trade small micro enterprise itch to try.

　　建行常州分行一位工作人员介绍，到11月份，常州上线的商户已经达到了93家，一共完成了近1400多笔的交易，而交易额度已经达到了1084万元。在做存量客户服务的同时，善融商务也在积极筛选当地的阿里巴巴、天猫商城客户。

The construction bank changzhou branch a staff is introduced,To November,Changzhou online merchants have already reached 93,Complete a total of nearly 1400 pen trade,And transaction amount has reached 10.84 million yuan.Do stock customer service at the same time,Good business and harmony in positive screening local alibaba/Day cat mall customers.

　　在淘宝有过购物经验的人都知道，购物款通过支付宝支付时，并不是直接进入卖家的账户，只有当确认收货后钱才会划入卖家账户，这就产生了时间差。通过支付宝支付的这部分资金，在沉淀期内没有任何利息。

In taobao had shopping experience all know,购物款 through the pay treasure payment,And is not directly into the seller's account,Only when the confirmation after receiving money will delimit the seller account,This creates time difference.Through the pay treasure to pay this part of the funds,In the precipitation period without any interest.

　　一位银行业人士指出，使用第三方支付的资金，交易过程都有银行托管，这部分托管资金都按照活期存款来计息。

A banking personage points out,Using a third party to pay money,Transactions have bank custody,This part of the funds are managed according to the current deposit to interest-bearing.

　　显然，这部分在未完成交易之前属于消费者的资金产生的利息，却没有进入消费者的账内，而建行善融商务则改变了这种状况。

obviously,In this part of the unfinished transactions before the money belongs to consumers from the interest,Did not enter the consumers in the accounts,And the construction bank good melt business have changed the situation.

　　建行江苏省分行一位工作人员介绍，电商平台的一些高端优质客户，平时交易资金流量巨大，如果存放在善融商务的商城账户内，在交易截止之前，都按照活期存款利率给客户计息。

Jiangsu province construction bank branch a staff is introduced,Electric business platform some high-end clients,Usually deal huge capital flow,If in good harmony business account in the mall,Before the deal by,According to current deposit interest rate to the customer plan breath.

　　“虽然是"蚊子肉"，但积累多了，也相当可观。”一位小企业主笑言。

"Although it is"Mosquito meat",But the accumulation,Also considerable."A small business owner smiled and said.

　　优先满足线上贷款规模 Give priority to online the size of the loan

　　在阿里巴巴成立小额贷款公司两年后，同为互联网企业的京东和苏宁也都纷纷开始试水金融服务。

In alibaba established small loan company two years later,As Internet enterprise jingdong and su ning also began to test the waters financial services.

　　京东联合北京几大商业银行，为旗下商户通过订单等发放贷款，提供“供应链金融服务”。而苏宁则在12月6日发布公告，宣布成立重庆苏宁小额贷款有限公司，帮助小微企业解决融资难问题。

Beijing jingdong combination of several major commercial Banks,For its businesses through the order loans, etc,provide"Supply chain finance service".And SuNingZe on December 6, by way of a public announcement,Has announced the creation of chongqing suning small loan co., LTD,Help small micro enterprise financing difficult problem to solve.

　　互联网和金融的融合度越来越高！

The Internet and financial spent more and more high!

　　曾刚认为，随着互联网的发展，已经深刻地改变了人们的生活习惯。金融业是服务行业，商业银行应该随着外部条件的变化而进行调整。

CengGang think,With the development of the Internet,Has profoundly changed people's life habit.The financial industry is service industry,Commercial Banks should with external conditions change and adjustment.

　　作为商业银行传统业务的存贷款，也随着银行系进入电商平台，相对于银行传统的抵、质押等贷款方式，也发生了一系列的变化。

As a traditional commercial bank loan business,Also with the bank system into electric business platform,Compared with the traditional bank over/Such as pledge loan way,A series of changes have taken place.

　　从几大电商提供的贷款服务可以看出，目前有订单融资以及信用融资等。信用融资体现了消费者与商户在平时交易过程中的数据积累，而这些数据则成为电商分析贷款风险的重要标准。

From a few big electric business loan service can see,There are orders financing and credit financing, etc.Credit financing reflected in consumer and commercial trade at ordinary times in the process of accumulation of data,And these data becomes electric business loan risk analysis of the important standard.

　　建行镇江分行一位客户经理告诉记者，先前一般中小企业来银行办理贷款，需要提交一些资料，并且办理的时间在2周左右。而进驻到善融商务中的商户，由于之前进行了审核，商户可以直接在网站上进行申请。

The construction bank zhenjiang branch a client manager told reporters,Previous general small and medium-sized enterprise loan to the bank,Need to submit some material,And to deal with time in two weeks or so.And in good harmony to the merchant business,Because before the audit,Merchants can directly on the website to apply.

　　“我们也刚刚办理一个网上贷款申请，从客户申请到审批下来，前后也就几天时间，速度和程序也还在逐步优化的过程中，将来审批时间也会再加快。”上述客户经理表示。

"We also had to deal with an online loan application,From the client application to the examination and approval down,Also a few days before,Speed and program also gradually in the process of optimization,The future will also speed up the approval time again."The customer manager said.

　　陈霖则坦率地告诉记者，在善融商务没有名气的初期，及早介入不是没有目的的。首先，是能够通过建行的客户来宣传我们自身的品牌。再者，如果建行推行融资产品以及金融产品创新，那么必定会向建行自身电商平台中的商户倾斜。

ChenLinZe frankly told reporters,Good business reputation in harmony without the initial,Early intervention is not without purpose.First of all,Can be through the construction bank customers to promote our own brand.moreover,If the implementation of the construction bank financing products and innovative financial products,So will the construction bank to their own electric business platform tilt the merchants.

　　建行镇江分行一位副行长坦言，在同等条件下，对于信贷资源、业务等，我们肯定会优先考虑善融商务平台中的商户。同时，在总行层面，要优先满足电商平台中的贷款规模。

The construction bank branch of zhenjiang a vice President said,Under the same conditions,For credit resources/business,We will first consider good melt the merchant business platform.At the same time,In the head office level,To give priority to electric business platform of the size of the loan.

　　“建行介入了电商平台的贷款之后，会对其他几家电商贷款形成冲击。建行的电商平台可以满足300万元以上的中小企业的融资需求，同时也可针对50万元以下的小微企业发放贷款；而阿里巴巴等则只能发放50万元以下的小微企业贷款。”一位银行人士告诉记者。

"The construction bank involved in the electric business platform after loan,On several other home appliance business loan form the impact.The construction bank electric business platform can meet the 3 million yuan of small and medium-sized enterprise financing demand,At the same time also can be in 500000 yuan of the following small micro enterprise loans;And alibaba, etc can only issue 500000 yuan of the following small micro enterprise loans."A bank who told reporters.

　　银行的试验田 Test-bed for bank

　　无利不起早。

No can't afford to the early.

　　一位银行业人士认为，建行在前期投入大量人力与资金打造平台，同时以免费来吸引更多的商户来入驻，当然不是发善心，而是看中了今后商家增多及交易量放大给银行带来的更多存、贷款以及中间业务收入，从而提高客户的黏合度。同时，抢占先机以便争夺更多有电商需求的中小企业。

A bankers think,The construction bank in invest a lot of manpower and money build platform,At the same time free to attract more merchants to come,Of course not the heart,But in the future to increase business and trade volume amplification to bring more bank deposit/Loans and intermediate business income,So as to improve customer's adhesion.At the same time,The run-up to compete for more electric business needs of small and medium-sized enterprises.

　　从2003年银行业改革以来，商业银行业绩增长飞快。但在央行加速推动利率市场化、金融脱媒现象日益严重的现在，商业银行只有加快变革业务模式来顺应潮流。

From 2003 years since the banking reform,Commercial bank earnings growth fast.But in the central bank interest rate marketization accelerating/Financial disintermediation is increasingly serious now,Commercial Banks to speed up the reform only business model to go with the stream.

　　曾刚认为，建行设立善融商务平台，可以看做是建行做的一个试验田。商业银行转型，不是转型其他行业，而是能够提供更好的产品，能够更好地找到服务实体经济的契合度，业务开展起来更加的便利，以便更好地服务客户。

CengGang think,The construction bank set up good melt business platform,Can be seen as the construction bank to do a test field.Transformation of the commercial Banks,Not other industry transformation,But can provide better products,To better find service entity economy fit,Business rise more convenient,In order to better service to the customers.

　　“本身金融行业就是服务业，最害怕的就是当实体经济的生存环境改变之后，银行业还不能够提前触及到变化的方向。有了电商平台之后，能够更好地来关注实体经济对金融产品需求的变化，也有利于商业银行进行金融产品的创新。”曾刚则进一步解释道。

"The financial industry itself is service,Fear most is when the real economy environment after change,Banking is not able to advance to touch to change direction.The electric business platform later,To better pay more attention to the entity economy on financial products demand changes,But also to commercial bank financial product innovation."CengGang is further explained.

　　在陈霖看来，国内大型商业银行都有很多网点，但是随着全球化的竞争，人力资金成本上升，银行网点则有可能会收缩，但是银行的业务只能是越来越大。那么，业务就会往电子平台上大规模地转移。如果谁能够占得先机，在电子平台中取得较好的口碑和市场占有率，那么未来谁的胜算就更大。

In ChenLin seems,Large domestic commercial Banks have many outlets,But as the global competition,The rise in the cost of human capital,Bank outlets have may shrink,But the bank's business can be more and more big.so,Business would be sent to electronic platform transfer on a large scale.If who can to get ahead,In the electronic platform has achieved good reputation and market share,So the future who have a greater.