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银行搞电商,专业化和特色化经营是关键。盘点2013中国银行业年度热词,“银行系电商”颇具入选热度。面对互联网金融来势汹汹,传统商业银行纷纷布局电商领域加以应对。近年来,建设银行、工商银行、华夏银行、民生银行等均先后“触电”。有业内人士认为,银行试水电商,意在提升客户资源和数据价值,谋求大数据挖掘。但电商领域竞争激烈,银行要脱颖而出,并非易事。
Banks engage in e-commerce, specialization and specialized management is the key. Inventory 2013 annual Chinese banking hot words, “Bank of electricity supplier ” quite selected heat. In the face of the ragingness of the Internet finance, traditional commercial banks have to deal with the field of distribution of e-commerce. In recent years, China Construction Bank, Industrial and Commercial Bank of China, Huaxia Bank, Minsheng Bank, etc. have successively “electric shock.” Insiders believe that banks try hydropower companies, intended to enhance customer resources and data value, and seek big data mining. However, the e-commerce sector is highly competitive and it is not easy for banks to stand out from the crowd.