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随着日趋庞大的网购市场,越来越多的商业银行开始频频进军电子商务领域。据2012年最新数据统计,中国电子商务市场总规模将会达到10.1万亿,预计2014年市场交易总额将会达到20.6万亿。在电子商务市场蓬勃高速发展的背景下,各大银行纷纷试水电子商务:建行的“善融商务”、交行的“交博汇”、中行的“云购物”及光大产品“定存宝”纷纷登场,工行、华夏等银行也计划跟进,试图在电商新领域分得一杯羹。

“如果银行不改变,那我们改变银行”马云当年这句豪言壮语一犹在耳。现在,马云显然有了更多资本,除了支付业务让银行时时感到危机四伏,小额贷款、担保、供应链融资等金融服务,也让银行绷紧了守住市场的神经。没人会怀疑,一场来自阿里金融的冲击波已经在金融领域掀起风浪。

为此,iDoNews小牛采访部分业内人士,有人认为银行资金和渠道优势明显,有实力做电商,同时监管部门也不会容许互联网金融服务商一味做大,威胁代表国资利益的银行;也有人认为银行“不务正业”,是为了短期绩效揽储创收;甚至还有人预测说阿里金融有很大机会成为网络便捷支付方面的领军人物,流通电子货币,完善电子银行,开创一个全新的网络阿里银行……

更多言论,请查看iDoNews第46期业内人说

业内人说46期:金融变革暗潮汹涌 银行的诡谲电商路

听,iDoNews业内人说

银行电商会发展成为银行的一部分副业,但是相信很难有大的发展,首先他们没有这么多的精力来发展全面化的网店,由于商品的单一性很难形成具备足够规模的交易,但是不得不说作为银行先天拥有一定的客户优势,目前银行定位的商品分期业务就做的非常好,有效的提升信用卡业务的使用效率,形成了一个不大不小的额外业绩支撑,但是这“不务正业”之举肯定对单一产业主体的机构部会是好事,相信银行也不会在这个项目上做出过多的投入,毕竟精力有限。“定存宝”这样的产物对于银行业而言属于一种进步,长期发展下去可以有利减少银行的营业成本,同时便利客户,虽然目前发展的并不完善,但是相信以后会发展成为真正如同实体营业柜台一般的网络柜台。不过从目前的情况来看他也存在一定的网络技术风险,相信支付宝在这个方面已经有一定的经验相对风险较少。目前看到的唯一问题就是这样的产品对于客户缺少如实告知的现象,银行服务略有一些粗糙,估计会影响到用户体验。对于未来的监管政策,从近期新领导层的多次发言来看,未来的金融环境更多的会逐渐的放松开,如果要说应对监管政策或许没有太多可以准备的,相信无外乎加强与国有大行的合作。支付宝确实是一个国内金融领域的革命性产品,他的出现迫使各大银行提升服务水平,加强民众的便捷金融服务。对于传统银行而言巨大的资金分流确实会有较大的影响,预计未来这样的产品会越来越多,相对西方金融业发达的国家来说我们的储蓄率太高,未来传统银行的作用会进一步削弱。阿里小贷最大的优势是他的用户信息,由于阿里公司几乎完全了解他们贷款客户商铺的交易状况,可以轻易的做出最可靠的信用评级,这样的结果就保证了极低的坏账率,可以说是稳赚不赔的生意;但太过依赖用户信息可能会长期受限于他的电商发展规模难以壮大,不过未来的阿里金融积累了足够的经验后,相信有很大机会成为网络便捷支付方面的领军人物,一个全新的网络阿里银行。——小草(金融从业者)

不太看好银行做电商,因为他们没有电商的基因,相反淘宝网或者天猫卖理财产品,则很正常,因为淘宝网本来就是个平台,理论上讲什么东西都可以卖的。京东涉足互联网金融是早晚的事,支付宝的成功案例摆在那里,没有道理不做。京东的金融业务最终能有多成功,最终取决于京东商城的平台建设能力,是不是也能像淘宝、天猫一样,吸引到足够多的第三方商户入驻。对于监管问题,未来监管部门一定会对互联网金融加入足够多的限制。道理很明显,银行都是国资的,监管部门自然会代表国资的利益,他们不会容许互联网金融服务商一味做大,从而威胁银行的利基。但阿里、京东已经足够大,再去打压也是不太可能的事,相反,监管部门会不断提高门槛,这对阿里和京东这样已经涉足互联网金融的巨头来讲,反而是好事。支付宝正在革银行的命,阿里金融最终会成为一家可以媲美任何一家商业银行的超级金融机构。——何晓鹏(一财网 运营总监)

银行开商城也不是现在才有的,早就开始了,只是一直没有什么人气,不算什么新趋势。电商开始做信贷应该也算是国家对金融的开放政策,鼓励民间借贷,更好的解决小微企业融资难的问题。像淘宝、京东这些巨型电商做贷款对于银行的关系有点像腾讯对于运营商的关系,阿里小贷对于银行更多是一种有力的补充。银行如果投巨资引进优秀团队,投入足够资源,相信一定可以做得风生水起!电商包括线上和线下。线上有平台、支付、安全、信用等各种体系。线下有商户、库存、物流、快递、商户培训等体系。并没看出来银行有什么优势。除了一点,银行可以减免用户在网上刷卡支付时面向商户收缴的手续费,进而降低商户的成本,也降低商品价格。对于银行这是不可能的,也许银联可以做。总的来说,相当不看好银行做电商有成功的希望。——APP观众(iDoNews热心网友)

阿里作为中国互联网支付的领军人,淘宝支付宝全产业链为支付行业做了很好的榜样。支付宝方便用户网上支付水电费、电话费、网费,还与银联合作创新快捷支付,同时与淘宝紧密对接。支付宝掀起的这场金融支付领域的革命,让传统银行很受伤。众所周知,银行主营两大业务,储蓄和借贷,支付宝电子账户包含银行的储蓄业务,不同的是支付宝不但不用支付利息,反而可以从合作银行获取利息;阿里的小额贷款吸引了众多淘宝卖家,这将代替银行信用卡小额借贷的一部分业务。从去年的数据来看,支付宝如果开门立户做实体银行,完全可行。如果从长远猜想,政策可行的话,流通广泛的电子货币,完善的电子银行将很快到来。另外,阿里的小额贷款存在两个问题,一是资金安全,另外是否会有政策干预。资金安全包括对借款人资质的审核,如果市场扩大,可能会出现假身份、假冒借款、漏洞借款等问题,这就需要支付宝的网站安全和规则的约束了;信息时代在加速,相信政府对数字金融方面的政策也会变宽松。——朱子丹(智网创始人)

电子商务领域发展迅猛,市场规模越发扩大,越来越多的银行试水做电商,利率化市场步伐的加快使得存贷利差收窄,中层业务成为热点,这也是为了方便向多元化推介快捷便利的融资服务。银行揽储大战如今已延烧至网店。光大银行在淘宝推出的“定存宝”产品的红线在于在给予利率的同时还返给用户其他收益。会造成高息揽存的嫌疑,但我还是看好这种产品的模式。——打扰先生(上海讯联数据服务有限公司 行业分析师)

银行产品“定存宝”存在几点疑问,一是根据银行自己的介绍,这款产品属于存款,利率在人行基准上浮10%,在人民银行许可的浮动范围之内,本身并不违反规定,但是该行主页的产品介绍说这是一款理财产品,换言之,投资该产品可能具有一定的风险;二是是否涉及高息揽存,假设我们认为”定存宝“是存款,是否违反监管的关键就在于这部分返利是由淘宝还是银行提供;三是关于这种”混搭“,现在支付宝每天都有大量客户的资金沉淀,支付宝也并不需要支付客户利息,这就吸引银行瞄上了这部分资金,某行推出这款产品,可能是希望在这方面有所突破。相对支付宝来说,引入银行,将这部分资金以一种符合当前监管的方式进行投资,对客户,对银行,对自身都不是坏事。某银行这次的试水在我看来值得肯定,当然这种创新模式必然也伴随风险。客户在支付宝上交易,对于客户信息的甄别和监管达不到银行现场开户那样的严格程度,这其中就有漏洞。事实上,随着支付宝为代表的第三方支付机构的崛起和强势,银行许多的传统业务正逐渐被取代,例如代收付业务,例如保险和基金代销等。,银行在淘宝上卖存款,也是被第三方支付公司倒逼的结果。毕竟在金融市场中,渠道是至关的,既然支付宝挤占了银行的渠道,那么银行也可以反过来利用支付宝的渠道。银行做电子商务的意义不在于电子商务本身,而是通过电子商务这个平台,去挖掘自己现存的客户的信息,提高客户的粘性。短时间内,利润可能不是关注的重点。——晴日细雨(iDoNews热心网友)

银行业涉水电商,除了为自己客户提供增值服务以外,最主要的一个原因还是为了应对以支付宝为代表的第三方支付带来的竞争,因为后者正在对银行网上支付、结算产生的巨大压力。——阿绿(互联网观察者)

从电子商务业务角度来看,一方面电子支付平台催生巨额沉淀资金,这是巨大金额的活期存款,但是并不是存放在银行的金融系统里面,而是在各大电子商务平台公司。另外一方面,越来越多的中小企业涉足电子商务平台迫切需要更加便利快捷的融资服务,但是银行过于严格的审查监管和繁琐的申办手续,导致了中小企业的融资难;2.当电子商务继续呈现几何级别增长的趋势,电子商务企业的金融业务肯定会衍生出更多的金融服务和产品。直接影响到银行的核心业务和收益。因为银行已经沦为金融服务的管道平台,客户群都掌握在电子商务企业手中。在用户为王的时代,谁拥有用户谁就拥有了话语权。3.利率市场开放的步伐加快将会进一步缩小银行存贷业务的利差,严重影响银行的利润。因此银行必须要开拓新的金融服务以应对利差收窄所带来的业务冲击。基于以上三大原因,银行不得不开始考虑自主经营电子商务平台,以免沦为电子商务时代的配角,并长远影响到银行的其他核心业务。——野行僧郭晧(互联网观察者)

电商无法涉及到金融核心领域,仅限于基本金融服务。同时会有金融风险,如果说阿里或者京东会死的话,不会因为电商做不好而死,可能会因为金融做不好而死。天朝不是开放的市场,电商无法深度介入金融,还是做好本行,有很多空间可以进步,比如物流等等。——WSJVEST(WSJ从业者)

银行的实力在那摆着的,无论是资金还是渠道都有优势,不过也许他们在人才方面想短时间扩充貌似有点难,毕竟体制在那,而且电商相对于传统体制的影响也是有前车之鉴的,之前很多涉及电商的传统大企业都暴露了这种问题。在淘宝网出现“定存宝”, 其实之前保险业在电商平台上已经尝到了甜头,而且银行开这种产品更有优势,可以跟线下的支行进行实体结合,但是客户的消费习惯还需要时间来养成吧。——我是强风(电商从业者)

银行开网店做电商,就是一种不靠谱行为,我对这种所谓的新商业模式持怀疑态度,对于银行来说,做电商的利润,至少现在不如做房地产更赚钱,对于追求高现金流和高收益率的银行业来说,投入一个风险巨大而且完全陌生的产业,不是趋势,最多算是试验,而我认为其整合资源,把流量和用户平台与专业电商分享的可能性更大,即把网商业务外包给第三方机构,成为股东或合作伙伴,更靠谱。银行业投入“电子商务”和银行业“成为电商”是两个概念,银行业把互联网渠道作为工具,完成用户应用和结算平台,用于节约成本、扩大营收,是必然的趋势,未来的电子化结算和资金融通将会越来越完善和重要,但银行就是银行,不会成为百货商、地产商、或其他的什么。银行有丰富的现金流和平台资源,可以成为很好的金融类产品代理商,至于是在柜台上卖、商场里卖,还是淘宝上卖,并没有本质的区别,只是销售渠道的变化。目前来讲,金融产品在网络上的销售还只能是标准化的、收益有保障的产品,可能争夺客户资源的意义更大于销售收益的意义。因为通过淘宝网导入的客户,可能就成为该银行的沉淀用户了。而最大的变化,可能是加剧银行间的竞争,比如北京的银行可以争取到上海的客户了,此前,银行的服务更注重于区域化、社区化,所以跑马圈地大量开设营业部和自助终端,而未来,跨地域无边界的存贷、销售,都可能在网上实现。银行的边界正在被打破,大型银行和高技术含量的银行将日益庞大,而小规模的区域性银行、缺少核心竞争力的银行,可能面对挑战。但在当前来看,个人用户的收益,对于银行来说还是有限的,对公业务、投资业务、融贷业务、大额业务,都还不可能短期在网上实现,所以,它是趋势,但影响有限。在合法企业利益面前,一切道德的指责都是没有意义的。京东涉入金融业务,以融资推动小贷业务,但程序是错的,马云的小贷业务是建立在已经有庞大小业主基础上的,小贷业务是他的增值服务,而刘强东的小贷业务,是想通过增值服务去获得小业主,作用有限。——萧明(地宝网 总编辑)

电商平台涉足金融行业,我觉得这对于中小卖家是好事,因为金融行业之前是完全被垄断在银行系。银行的系统之前在电商化方面做得确实不够,而这些电商平台可以利用自己的流量优势,更加方便的服务于商户。而不用再像之前那样,不断切换平台。开放意味着竞争,也就会有问题,但问题总会被解决的。最终受益的会是广大消费者。——谷俊功(洛阳理工学院红苹果工作室 总经理)

现在的银行早已不是以前的银行了,缺乏社会责任感。因为是企业,所以一切都以利益至上,通过不同的方法手段揽储创收。银行应该要严肃的思考下如何维护自身及客户的长期发展,而不是为了短期绩效再变着花样卖产品。——茶莉茉(iDoNews热心网友)

“平台型电商”涉足金融领域是很正常的,也是必然的,同时也是水到渠成的。其他电商平台纷纷跟进实属在跟国内政策法规抢时间(国内相关政策法规严重滞后电商、网银行业发展是不争的事实。),但运营及盈利模式仍有待创新,第一阶段爆棚,第二阶段毫无疑问的会死掉一批,大浪淘沙如传统行业发展。——汪鹏(李丰俱乐部 站长)

银行试水电商在法律方面存在太多空白,银监会答不答应都不好说,从经验来看,这种国家规定真空的部分,一般吃螃蟹的人都没有什么好下场。别的暂不讨论,创新值得表扬,小银行求发展,推动进步。——Eva_婶(iDoNews热心网友)

金融垄断迟早会被突破,银行也看的到,提前布局,利用金融催生实业,也可能是一种策略,成功与否先不说,银行放下身段,了解实业,熟悉实业,对消费者而言,肯定是好事情。银行做电商,被斥为不务正业,电商做银行,就被大行吹捧。这个逻辑,也挺有意思。——江南愤青(iDoNews热心网友)

受经济下行压力影响,很多企业出口受阻,急需转型,对于制造加工业,把线下产品转移到线上,无疑是最好的选择,但是,如今入驻一些成熟的电商平台,各种收费颇高,而对于处于转型中的企业,特别是小微企业,在不知道结果的前提下不敢轻易投入。同时,整个流通环节成本很高,从企业到终端消费者,有些信息不够完全透明对接,这都需要平台进行整合,把银行的资源和企业进行对接,则有利于企业进行转型和发展。——赵建荣(建设银行常州分行副行长)

最近的困惑是金融品的网络营销将何去何从,光明大道或迷途。仍认为金融品尤其是高风险收益金融产品(如信托)不适宜网络营销,不符合金融营销中风险识别及买者自负的特性,金融品非快速消费品,风险是产品持有过程中的不确定性及买者对产品认知能力。静观网络营销创新,期待新事物。——风语悠竹-翟(iDoNews热心网友)


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