招商银行(600036,股吧)、中国联通(600050,股吧)、东方航空(600115,股吧)三家联合，能干什么？按照招商银行行长马蔚华的说法，这一合作不仅体现在传统的销售渠道拓宽上，还延伸到产品研发等领域。他形容这次合作是一个“天作之合”。

China merchants bank(600036,stocks)/China unicom (Hong Kong) LTD(600050,stocks)/China Eastern airlines(600115,stocks)Three joint,What to do?According to China merchants bank President Mr Ma,This cooperation is not only reflected on the traditional sales channels to expand,Also extends to areas such as product research and development.He described the cooperation is a"A match made in heaven".

　　异业联盟在中国不是一个全新的概念。从2005年开始，这一模式就开始引入国内。金融业内不乏与电信、消费品等领域展开合作的案例。就在去年，平安保险与腾讯、阿里巴巴就达成异业联盟，探索互联网新金融的道路。

Different industry alliance is not a new concept in China.Starting in 2005,This pattern began to introduce domestic.There is no lack of financial industry and telecommunications/Areas such as consumer goods to cooperate.In the last year,Ping an insurance and tencent/Alibaba is a different industry alliance,Explore new Internet financial path.

　　那是平安保险乃至整个保险业在互联网新金融创新上的一次“破冰”，经营模式、产品研发都是“前无古人”——联合成立的安众在线公司在全国不设分支机构，所有业务均通过互联网完成，产品主要涵盖互联网和物联网两个领域。

That ping an insurance and the insurance industry is in a new financial innovation on the Internet"To break the ice",Business model/Product research and development"unprecedented"- joint form of the online company do not set branch in the country,All operations are completed via the Internet,Products are mainly covers two areas of the Internet and Internet of things.

　　如今，平安保险旗下各种金融产品搬至网络上销售，打造了一个金融产品的网销大平台——他们开辟了一片新的保险大战场。由此，平安保险成了金融界的“阿里巴巴”，令金融界啧啧称奇。

now,Ping an insurance, all kinds of financial products moved to online sales,To build a financial products online shopping platform, they opened up a new insurance major battlefield.thus,Ping an insurance has become the financial world"alibaba",Make financial wowed.

　　招商银行同其他两巨头的合伙未来将取得怎样的战绩？

China merchants bank, along with two other giants of the partnership in the future will be how to record?

　　马蔚华说，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，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，“三家企业将结合各方核心优势，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”。

Mr Ma said,Three companies have a huge customer base/Rich product line and a wide range of marketing and service channel,Linkage in the high-end customers/Innovative products and services/Physical Shared network and electronic channels/Value-added service/Data mining and analysis, etc, realize the complementary advantages and further cooperation,"Three companies will combine the core strengths,Break through the barriers between different industries,To form an independent growth of ecological community".

　　可以预见，借助这次合作，招商银行未来得以共享中国联通、东方航空数以亿计的客户资源，大大拓宽潜在客户群体，据此探索营销革命。

Can foresee,With the help of the cooperation,China merchants bank, China unicom to sharing in the future/Eastern airlines hundreds of millions of customer resource,Greatly broaden the potential customer group,According to explore marketing revolution.

　　其实，异业联盟为招商银行带来的巨大增量还有移动银行业务市场，这也是银行零售业务的创新方向。如今，国内多家银行都已经把移动银行业务提升为长期战略，而招商银行和中国联通的搭伙正是实现这一战略的好办法。或许未来，移动银行业务市场上最大的明星就是招商银行。如果有一天，移动支付替代银行卡和POS机，我们摇一摇手机就能在商场买东西，那么招商银行此次异业联盟功不可没。

In fact,Different industry alliance of China merchants bank brings the huge increment of mobile banking market,This is bank retail business innovation direction.now,Domestic Banks have to promote mobile banking as a long-term strategy,And China merchants bank and China unicom board is a good way to achieve this strategy.Maybe in the future,Mobile banking market is the biggest star in China merchants bank.If one day,Mobile payment instead of bank card and POS machine,We shake mobile phone you can buy something at the mall,The China merchants bank, the different industry alliance.

　　招商银行和平安保险的典型案例，背后折射的是其他行业对金融业影响力的深化，以及金融业自身对在新形势下紧急突围的强烈诉求。一方面，在金融业内竞争日益加剧的趋势下，寻求异业融合实现差异化优势，是金融机构保持竞争力的选择。另一方面，在金融脱媒及利率市场化加速的大环境下，金融业面临严峻的挑战，整个金融业必须及时对市场进行研判，寻找可持续发展的新路子，获取新的成长动力。

The typical cases of China merchants bank and ping an insurance,Refraction is behind other industries for finance deepening of influence,And finance itself the high demand for emergency to break under the new situation.On the one hand,Under the trend of increasing in the financial industry competition,For different industry to realize differentiation advantage,Is the choice of financial institutions remain competitive.On the other hand,In the financial disintermediation and the circumstances of interest rate marketization accelerating,Financial industry faces serious challenges,And to the entire financial industry must be carried out on the market in time,To find the new way of sustainable development,Access to new growth momentum.

　　从平安保险异业联盟较快的审批周期上能够看到，对于金融业异业联盟，监管部门表现出开明、开放的监管思路。未来，或许大动作更频繁，金融业也许会进入联盟的高潮阶段，争分夺秒的转型之战扑面而来。

From the ping an insurance industry alliance can see faster approval cycle,For financial industry alliance,Regulators show open/Open supervision train of thought.In the future,Perhaps big moves more frequently,The financial industry may enter the alliance climax stage,Race against time the transformation of the war.

　　大合伙时代就在眼前。今天，金融业务之间、金融业务同其他业务之间，都不再泾渭分明，也不需再泾渭分明。行业的先行者对此已有共识。

Big partnership era is just around the corner.today,Between financial business/Between financial business and other business,That is not distinct,Do not have to be distinct.The pioneer of the industry have a consensus.

　　（作者为北京大学经济学院金融系教授）

(Author for Peking University school of economics and finance professor)