刚刚结束的“双12”营销大战中，电子商务再次以“价格屠夫”的角色成功吸引消费者的关注，不同于往年的是各类理财产品也借机开始进入消费者的视野，且销售业绩非常亮眼。

Just at the end of the"Double 12"Marketing war,The electronic commerce in again"Price butcher"Role to attract the attention of consumers success,Different from previous years is all kinds of financial products is also looking to begin to enter the consumer field of vision,And sales very bright eye.

　　笔者粗略统计，目前已有泰康、太平洋(601099,股吧)、阳光、交通银行(601328,股吧)等多家金融机构登陆到第三方电子商务中，金融产品电商化的大幕正在慢慢开启。

The author roughly,There are "taikang"/Pacific(601099,guba)/The sun/Bank of communications(601328,guba)And so many financial institutions in the third party in e-commerce,Financial products electric business turn of unfolds is slowly open.

　　虽然，上述金融机构之前也拥有自己的电子商务平台，网上投保、网上购买理财产品早就不是稀罕事。包括中国银行(601988,股吧)、中国建设银行(601939,股吧)、中国工商银行(601398,股吧)等在内的金融机构甚至还涉足电子商务，开设自己的网上商城，各种商品也是应有尽有，数码、家居、机票、软件等琳琅满目。

although,Before the financial institutions also have their own e-commerce platform,Online insurance/Buy on the net financial products have not rare thing.Including the bank of China(601988,guba)/China construction bank(601939,guba)/The industrial and commercial bank of China(601398,guba), financial institutions and even set foot in the electronic commerce,To open my own online shop,A wide variety of goods is everything,digital/household/ticket/Software full of beautiful things in eyes.

　　但是，借助第三方电子商务平台却是大姑娘上花轿，头一回。

but,With the aid of the third party e-commerce platform is the big girl sedan,For the first time.

　　俗话说得好，多一条腿走路总归不是什么坏事，金融机构不是经常指导我们把鸡蛋放在不同的篮子里，分散投资吗？他们自然也要起到表率作用，早早实践这一“广撒网多捕鱼”的投资观念。

As the saying goes well,One more legs after all is not what a bad thing,Financial institutions is not often guidance we put your eggs in different basket,Investment diversification??Of course they also want to lead,The early practice"Casting a wide than fishing"Investment ideas.

　　事实上，网络销售与服务模式不断创新。电子商务经过十余年的发展，已经有越来越多的人认识到，电子商务不是传统业务到互联网上的简单移植，而是一个全新的商业模式。成功的电子商务企业，都是能将业务与技术融合在一起而创造出一种全新经营模式的企业。

In fact,Network sales and service mode innovation.Electronic business through the development of more than ten years,It's what more and more people have realized that,Electronic commerce is not traditional business on the Internet to simple transplantation,But a new business model.Successful e-commerce enterprise,All the business and technology together and create a new business model of enterprise.

　　在这个过程中，国内几大主流电商平台规模也越做越大。以淘宝为例，拥有4亿个注册用户，经过几年的培育，目前已经聚集了大量有实际购买力的消费者，当大家习惯了网上购物后，在线购买金融产品也将成为一件平常事。

In this process,The domestic several big mainstream electric business platform scale is bigger and bigger.To clean out treasure as an example,With 400 million registered users,After several years of cultivation,Has gathered a lot of have the actual purchasing power of consumers,When you used to online shopping after,Online purchase financial products will also be a simple things.

　　往远了看，一旦保险公司、银行的网上销售势头良好，未来或许会有更多的金融产品另辟蹊径，登陆到第三方电子商务平台中。

Went to far at,Once the insurance company/Bank online sales momentum is good,The future may have more financial products path,On the third party electronic business platform.

　　就眼前而言，当大家熟识了团购衣服、食品，甚至是饭馆、家电、房子，那么网上团个理财产品自然也是手到擒来活学活用之事。那么只要有更多的金融产品进入到第三方电子平台，开放式的选购方式同样会刺激产品销量走高。

Is in sight,When everyone is familiar with the clothes/food,Even the restaurant/Home appliance/The house,So online group a financial product nature is also capture an enemy easily live learning things.So as long as there is more financial products into the third party electronic platform,The choose and buy of open mode will also stimulate the product sales go high.

　　需要注意的是，网上理财终归是有风险的，网上销售的金融产品应与实体店的产品有所区别，设计合理、方便快捷的金融产品和支付方式将迎来更多消费者的关注，而金融机构与第三方电子商务领域的合作将是互惠共赢。

Need to pay attention to is,Online financial results is risky,Online marketing financial products should be and entity shop different products,Reasonable design/The convenience of financial products and payment will have more consumer attention,And financial institutions and the third party electronic business cooperation will be mutually beneficial win-win situation.

　　本报记者牛颖惠

Our reporter NiuYingHui