Liu Qiang East with four 'trump card' was awarded 30 billion dollars valuation: Jingdong financial base is weak, 'a step slow,' How striking[IT Times Editor's note] Jingdong With four cards Nike Air Jordan Women to get a valuation of 30 billion US dollars, the gradual completion of his own strategic territory, while on the Internet Jingdong finance financial mainstream battlefield first array layout is complete, Jingdong fourth card, 'Finance' Why Me? The author believes that Jingdong from the payment beginning step slow, weak infrastructure, mobile financial services also force late, but sometimes can become advantages and disadvantages, when BAT strikes, another dry rack, not only their consumption of resources, but also become a thorn in the side of traditional financial institutions face enormous risks, but let's let the slow step Jingdong play off, to Jingdong financial brings more buffer time. After valuation of 30 billion US dollars Jingdong how to walk? Liu Qiang East's first card is to go out to explore the international market, the second card is a four-tier cities to expand the sinking, a third card is to strengthen the increasing flow of mobile services, the fourth card is: finance. Carefully comb difficult to find, Jingdong IOUs six months after its launch, the little-known financial Jingdong has quietly grown matrix formed financial products and unique routines, Jingdong also become the third after Baidu and Ali have 'full Internet financial services 'company. Internet Finance Why become Jingdong highlight? Two important breeding ground for e-commerce business: cloud computing (Amazon) and Internet banking (Ali). Jingdong as China's second-largest electricity provider platform, the largest self-B2C platform into the cloud computing and Internet banking is natural. The most mature Internet banking business is Internet payment. Any ambitious platform electricity supplier, must have its own payment instruments to avoid being manipulated by others, and can be paid as a basis for more new business. Jingdong end of 2012 to acquire online banking online, began to build its own payment platform. Jingdong Liu Qiang East at the time the listing of foreign confessed, Jingdong also made mistakes, one of which is the acquisition of online banking online too late. In this lesson, Jingdong will pay more and more attention. Internet-based payment services have also been put financial increasingly important position, for three reasons: 1, to avoid excessive reliance on the B2C model, into higher growth businesses. Jingdong gross margin is now less than 10% of Internet financial services will move up its overall gross margin; 2, to solve customers and users just need to promote the sound development of Jingdong ecology. Supply chain upstream businesses conduct business entity, highly dependent on the cash flow, a strong lending, guarantees, financing and other needs; under the credit system matures, users, especially young consumer attitudes and financial outlook is upheaval, staging Payment civilians increasingly popular financial management. Jingdong financial funds can solve business pain points, but also to stimulate the user's consumption. 3, Internet financial giant imagination, any one giant hard to ignore. Jingdong rival Alibaba has 'finance' and 'data' and 'platform' tied for the three strategic Ali. Baidu and Tencent's two giants is also very positive, and now the influx of high-profile operators. Internet transformation of the financial industry Supra Skytop IV has been overwhelming in volume has become JORDAN China's fourth largest Internet company Jingdong, it must be accounted for to hang. Internet business Jingdong Jingdong become first array pattern has been established Financial Financial Group, Jingdong finance now includes four business segments: online banking online, consumer finance, supply chain finance and platform business. Online banking online payment Jingdong is the foundation, the main products for online banking wallet, this year has launched a mobile client. Jingdong Mall as an associate most closely with consumer finance, its main products for Jingdong IOUs, to meet the needs of users installments, the equivalent of credit card Jingdong station. Supply chain finance is Jingdong their suppliers provide financial services, is an important part of Jingdong financial profit, 'Jing Bao Bei' is Jingdong launched at the end of the supply chain financial products. Jingdong platform business finance some of the funds currently consignment products, currency, bond, equity, hybrid and other types like; and as a platform for business underpinning coffers account for the user to provide basic financial services. If the Internet financial services Jingdong contrast with BAT will find no less layout Jingdong Ali and Baidu, far ahead of Tencent. Ali has to pay, finance, small loans, guarantees and insurance; Baidu layout is centered on Baidu wallet to pay, small loans, financial as well as 'Financial intimate,' the marketing business; TenPay Tencent except, financial communication and Qianhai Bank addition, Ma, Ma and Ma Mingzhe also jointly set up a public safety online, in addition to several software stocks Tencent and Teng-stock index. Since tensions Ali and Tencent, the Nike Air Max 2011 public will be unfinished basic online security. Ali Tencent this year and intends to enter a 'virtual credit card business', but since caused great rebound traditional institutions, not just halt the virtual credit card, pay Nike Air Max 1 even two-dimensional code also be banned. In addition to the various services mentioned above, P2P loans and equity to raise all these two giants is not large touch it popular category, policy risk is too high, too many uncertainties. Last year, there was news that Jingdong conduct P2P lending business, then nothing; Jingdong recently coming on line all the time there is outgoing message raised platform. The current financial mainstream Internet battlefield has been clear: pay, financial management, and small loans. In the mainstream battlefield, Baidu, Ali and Jingdong layout are completed, Tencent is the lack of small business loans. Jingdong financial odds geometry? Take a look at its strengths and weaknesses overall layout does not explain what the key is to look at the ground situation. The fact is that from the beginning of the payment, Jingdong are a step slow. Although in the listing under the adequate resources to support its pace will accelerate, but it is still in a catch-up position. Alipay users has exceeded 300 million, the balance of the number of users exceeded 100 million treasure, deposit more than 500 billion yuan. Tengxuncai common households between 100 million to 200 million, the latest data show that finance more than 80 billion yuan through the deposit scale, the number of users in the tens of millions of scale; Baidu wallet users in the tens of millions of scale. Online banking online when Jingdong acquisition, accounting for online payment market share of less Nike KD 7 Kids than 1%. On the cooperative financial institutions and the number of B-side of business cooperation, online banking online does not have the advantage. Thus, a weak foundation is the first major disadvantage Jingdong finance. The second big disadvantage is mobile banking. Whether to pay or finance have to move the transfer trend, Alipay wallet users has exceeded 100 million, the Lebron James micro-channel payment users to reach about 20 million, Ali and Tencent by around taxi App and O2O mobile payment shootout to help them pay on mobile Fast enclosure, now Baidu war continue circle through buy mobile users, the pursuit tie card number. Although the field of mobile payment Jingdong recently began to force, but relatively slow some. Jingdong to do Internet banking also has unique advantages. The first advantage is the open nature of the Jingdong. Jingdong which can be carried out in cooperation with Baidu small loan business, to carry out Jingdong + marketing business, but also has a capital relationship with Tencent. In addition to Ali, many Internet companies are Jingdong Nike Air Jordan Women partners. And later in the financial services, Ali acquired Celestica fund to other funds formed exclusively, Jingdong is completely open. The second advantage is the Jingdong 'a step slow.' BAT previous strikes, each dry rack consume a lot of resources, but also become a thorn in the traditional financial institutions, can be said to step on a minefield, every new business is an uncertain future, a huge risk. This disguise become Jingdong buffer, BAT help Jingdong temptation red line. Jingdong IOUs health reason may exist precisely because Jingdong not grasp the scale of the whole network the virtual credit card. [IT Times] Jingdong IOUs endorsement since its launch, has been growing steadily, Jingdong on online banking to pay a step slow, gave the consumer finance business IOUs brought benefits. Jingdong IOUs popular to say, is that consumers can credit in Jingdong shopping. When Ali and Tencent's virtual credit card was halted central bank, Jingdong IOUs this same consumer credit characteristics of the products have been regulatory clearance, the reason is that Jingdong 'a step slow'! Jingdong before the Nike Air Yeezy II wind control to control the problem is not resolved, not in a hurry to enter the virtual credit card business, but the clever use of 'credit' model, carefully advance the business, gradually raise the threshold Jingdong IOUs, at the lowest risk. The third advantage is the mass merchants. Due to the nature of the Jingdong B2C businesses have hundreds of thousands, and to businesses based on 3C, these businesses have a pressing need for funds, before the official launch in Jingdong supply chain finance business, the business will go to the bank by Jingdong supplier lists and other applications loan. Jingdong credit by mastering data analysis and mining demand, supply chain finance business is not difficult for businesses to succeed. The fourth advantage is absolute advantage Jingdong 3C 2015 Latest Nike Shoes electricity supplier. For users, payment by installments may be more suitable product category is naturally commodities, such as real estate, cars and 3C and so on. The small installments ie IOUs class of business, the most suitable deal than 3C products. This user-oriented Jingdong carry out the 'consumer' Financial provide a basis for protection. The fifth advantage is Tencent background. Tencent electricity supplier has all the betting Jingdong, do not rule out that it will pay for future financial or business transferred to Jingdong. Compared to social, electricity providers and financial more synergies and complementarities. Even Tencent still pass the financial and TenPay as its core business, but to work together more closely and Jingdong development. Social + electricity supplier story Bie Li + financial + financial story of the electricity supplier to listen better. Recently appeared in large numbers in the micro-channel group 'Jingdong micro letter envelopes' are examples of Jingdong cooperation with Tencent. Jingdong upcoming 618 anniversary day, Jingdong has been trying to fight the anniversary day with Ali two-eleven contend Shopping Festival. Related news shows, Jingdong finance business also will join the anniversary day, IOUs and other services in close collaboration with the Jingdong electricity provider business promotion. Prior to Jingdong IOUs and other services are still testing the waters, and this time, it is the first time Jingdong financial extravaganza. Next, enter JBAT Shikoku Internet financial hegemony stage. [IT Times Editor] Jingdong B2C electricity supplier from the market to fully back the launch of mainstream financial services, on the one hand Jingdong get a lot of B2C market share, on the other hand, Jingdong comprehensive financial architecture to improve the financial structure of the Internet. Plus electricity supplier in the field of cooperation with Tencent micro-channel mobile terminals to Jingdong tremendous traffic. A large flow, big platform electricity supplier + financial services has initially built, whether by virtue of Jingdong rival electricity suppliers to compete with age, people wait and see. [Editor / Zheng Xi Luo Chao author] microblogging @ Internet A super, micro-channel SuperSofter