Recently, Industrial and Commercial Bank of China issued the Important Announcement on E-Shopping Personal Mall, saying that due to business adjustment, the bank will stop the related services of E-Shopping Personal Mall at 24: 00 on June 30th. The bank reminds consumers that if they need to redeem points, buy precious metals and donate for public welfare, they can log in to the bank's mobile banking.
In addition to shutting down personal mall services, ICBC will also stop "e-shopping" corporate mall public sales, business circle sales, cross-border trade and other related services, and the service functions such as bill brokerage, ICBC centralized procurement and judicial auction will be migrated to the homepage of ICBC portal website.
According to industry insiders, building an e-commerce platform is not the strength of banks. Most of the e-commerce platforms of banks are operated by independent apps, which are different from the e-commerce platforms of Internet giants in all aspects, and it is difficult to gain an advantage in the e-commerce business competition. Moreover, the e-commerce platform has invested heavily. Therefore, it is not difficult to understand that the bank e-commerce platform is closed.
Bank e-commerce is full of loneliness
It is reported that in 20 12, CCB launched the first e-commerce platform for banks-Shanrong Business, followed by Jiao Bohui, e-commerce manager of Agricultural Bank, China Bank (60 1988), Industrial and Commercial Bank of China (ICBC) and China Everbright Bank (6018/kloc).
Up to now, the banking e-commerce platform has gone through ten years, but at the moment when the Internet e-commerce platform is fierce, the banking e-commerce platform is completely desolate, and some bank e-commerce platforms have even disappeared. In addition to the closure of ICBC's "e-purchase", the promotion of "6. 18" on the e-commerce platforms of various banks this year is also relatively low-key, and so far all platforms have not marked the relevant promotion words of "6. 18".
Previously, the regulatory authorities explicitly required banks to divest non-bank business. To this end, some banks set up non-financial subsidiaries to carry e-commerce business.
In addition to the "e-purchase" that ICBC is about to shut down, some banks have already divested their e-commerce business. For example, the Agricultural Bank of China's "China Agricultural Bank Poverty Alleviation Mall" (now "Xingnong Mall") will be operated by Agricultural Bank Financial Technology Co., Ltd. after this year 1; On April 25th this year, the operating entity of CCB's "Shanrong Business" platform was changed to Jianxin Jin Fu Science and Technology Development Co., Ltd.; The online mall of China Merchants Bank has been stripped out of Shanghai Jiuying Company.
Where is the bank's e-commerce road?
At present, according to the regulatory requirements, most banks' e-commerce businesses have stopped operating or completely divested. In this regard, Dong Ximiao, chief researcher of Zhaolian Finance, said that the cessation of service of some banks' e-commerce platforms does not mean that banks will no longer explore this business in the future, but should have an accurate positioning, such as the e-commerce platform launched by some small and medium-sized banks in order to build a local life circle. This aspect can be further explored.
Talking about the future development direction of bank e-commerce platform, some insiders pointed out that unless banks do e-commerce business, this model is difficult to achieve sustainability, and there are no mature cases of bank e-commerce platform. Banks should explore the establishment of an e-commerce platform suitable for their own resource endowments and adapt to the characteristics of their own customer groups in terms of customer group positioning, product selection and marketing. For example, bank e-commerce is more suitable for selling wealth management, insurance, bonds and funds.
In addition, in recent years, there have been many models for reference in the e-commerce platform of banks, which provide sales channels for agricultural products (00006 1) in the field of poverty alleviation and agricultural assistance through platform direct sales and live broadcast. The future development of bank e-commerce platform can integrate more internet thinking, play its own characteristics in the field of helping agriculture and poverty alleviation, and contribute to rural revitalization.
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