Electricity supplier Finance: Nike Air Max 2012 How far away from us What is the nature ofelectricity supplier? Is trading is trading. And what is the deal? A currency exchange and commodity ownership. Commodity no matter how well this side, there is no money (financial) support, the transaction is simply difficult to continue and expand. Text / Balance Bao Mei Ting as saying recently did a handful of fire, what is the balance of treasure? According to Wikipedia explanation: Balance Bao by the PayPal account to create a new balance of value-added services. Balance Bao by users in Alipay site can be purchased directly funds and other financial Nike Hyperchaos Shoes 2013 products, to obtain a relatively high income, but also within the balance of funds readily available for treasure online shopping, Paypal money transfers payment functions. From the line to the user than a million in just six days time, strong visible Internet banking, electricity supplier finance is evident. First, what is the electricity supplier finance? I understand the concept, to figure out what Finance is? The so-called financial means of financial intermediation. The ways and means of financing rely on the Internet to achieve, what we call the Internet banking. This is the essential difference between the Internet and finance, such as the balance of treasure, in fact, Celestica fund through PayPal to sell their financial products. Finance Internet in general can be understood as the traditional financial services via the Internet to Nike Hyperdunk 2013 achieve Internet-based financial services. According to the current interpretation of the industry mainstream, Internet banking model can be broadly divided into the Nike Zoom Lunarposite third-party payment platform, P2P microlending platform to raise public equity investment platforms and non-bank financial institutions, represented by Alibaba finance small and micro credit platform and other four modes. Combined with the practical application of e-commerce, electricity supplier finance, whether B2C, C2C, or B2B, most people think is the main platform and third-party payment platform for small and micro credit. Second, third-party payment Keywords: trust, even in today's e-commerce eco-system, the credit system so perfect and developed, imagine if there is no third-party payment platform, but also how much online shopping easy and enjoyable? The biggest difference between e-commerce and traditional trade where? That without space constraints, the trading location moved to the Internet, the buyer, the seller only hear each other, but no one, even in most cases, he kept not smell, relying solely on WW or IM tool QQ, complete communication and exchange. In this case, the buyer paid afraid to close does not arrive; fear seller made goods, receive money. Between buyers and sellers, who also refused to pay or the first delivery. Fair trade, to the cold number-crunching. Since the breakthrough of e-commerce space, must be asynchronous transaction, which in itself is unreasonable, impractical, there must be a mechanism to guarantee to achieve. To address the lack of credit transaction brings asynchronous transactions, third-party payment platform emerged. Third-party payment platform is essentially a managed funds payment, which successfully solved the security transfer of the money, so that buyers and sellers safe, secure online transactions. For the platform, it is money obtained precipitate interest, access to payment fees and channel costs and so on. Third, unsecured unsecured small micro-credit Keywords: money Ma said Alibaba, future business will be divided into three main modules: platform, financial and data. This point, the market is generally recognized. What is the nature of electricity supplier? Is trading is trading. And what is the deal? A currency exchange and commodity ownership. Commodity no matter how well Air Jordan Outlet this side, there is no money (financial) support, the transaction is simply difficult to continue and expand. In B2B, B2C e-commerce, the B-side of the capital is the lifeblood of business survival and development. Tight and the shortage of funds will greatly limit the production, purchase and sale of the business progress. No way, can only rely on loans. As we all know, banks are Xianpinaifu typical. In China, private enterprises are facing problems in getting loans, loans slow the problem, especially for our small and micro enterprises, but are unable to obtain sufficient funds from the bank. In this context, small and micro credit rapid germination and development. Nike Kobe 9 Elite Low In a small micro-credit system of the Internet, basically to conduct e-commerce transactions, the platform for the Nike Air Jordan 13 New Basketball Shoes credit based on credit history and consideration. In Aliloan, the collection of Alibaba, Taobao, Lynx and Paypal, big data through cloud computing, open up the underlying e-commerce, customer transactions, credit use platform to small and micro credit, the realization of transactions to enhance the credit, ecological credit active trading closed loop. Can the phenomenon, small micro-credit in making the platform get a lot of interest income, while the integration of customer resources, increase customer loyalty and adhesion electricity supplier platform. Nike Air Jordan 13 Four, B2B supply chain finance Keywords: large transactions on capital markets in July, Ushimata are frequent. Stained with Internet financial concept Shanghai Steel Union (mainly B2B website operators: My steel mesh) in just 23 trading days to achieve double success, or up 114.2 percent. For today's sluggish steel market is, indeed, the top one. In retrospect, we B2B industry alibaba since June 1999 inception, has more than 14 years. In these 14 years, before and after the emergence of dozens of leading electricity supplier website. Comprehensive Global Sources, HC, etc., my steel vertical class, Chinese chemical industry, foreign trade class of Dunhuang, China manufacturing. In addition, Alibaba can rely on Taobao achievement giant, who big development? Now e-commerce is Womens Heels indeed very hot, but hot is B2C, even C2C. B2B past decade, has been very sad, and even some powerless helpless. Strictly speaking, e-commerce is the online transaction, and the transaction must complete the whole process. But we need to know, now, 2C areas mostly concentrated in the electricity business transactions, commodity trading is what? Clothing, the electrical, is digital, is cosmetic. Who had seen the public on Taobao sold how many POLO? No. The problem? With sluggish as B2B, trapped in large transactions, limited electricity supplier finance. Small and micro credit, to provide enterprises with Nike Air Max net unsecured credit unsecured loans. However, the amount of which is destined to the financing situation is not high (Ali finance up to one million yuan credit). So, demand large sums of money for B2B industry then, and then it comes to commodities industry (steel, chemicals, nonferrous metals, etc.), more than one million single transaction at any time. How? Therefore, the electricity supplier finance model, we must join the B2B supply chain finance. Supply chain finance statements are: financial institutions around the core business, the management of upstream and downstream business cash flow and logistics, the uncontrollable risk of individual companies into actionable supply Nike Air Max 1 chain risk overall, access to all kinds of information, risk control Minimum of financial services. Different from the traditional trade finance, supply chain finance is based on the core business of the qualification, the upstream and downstream bundle core business, and the transaction need to be supervised and managed. So, B2B supply chain finance is characterized in what? On the one hand, financing the transaction object must be members of electronic business platform within the exclusive; on the Nike Zoom KD V other hand, credit transfer and funds must be used within the electronic business platform, has oriented. Currently, the electricity supplier industry, Jingdong, Suning, Treasure Island, Steel Union, Yi Gang online and so on in the gradual development of B2B supply chain finance business. Jingdong, Suning and other B2B2C platform mainly accounts receivable financing and order financing, entrusted financing, trust plans, and Treasure Island, the business community, VAI, Yi Gang Online B2B2B platform vendors are mainly silver, on behalf of the purchasing pallets, spot mortgage, pledge of warehouse receipts, purchase and distribution and factoring. B2B supply chain financial services to banks, customers and the platform has great significance: banks, by a professional business platform for screening, referrals, customer resources submitted, will be more high-quality and reliable, and by customers in the electrical transactions and credit history as a credit basis, more real business platform within; and funds only within the circulation and use business platform, and more secure. Customers, relying on the basis of electronic business platform core business, it is possible to more financing channels, lower financing costs, using a variety of financing methods to obtain bank credit, to solve this problem quickly, to enable enterprises to operate smoothly and efficiently. At the same time, the financing will promote more business customers in the electronic business platform, for a higher credit, create a good qualification. On the platform, through B2B supply chain finance, in addition to financing as a platform to bring a lot of commissions, but also be able to participate in in-depth customer management process, establish a close working relationship with customers to ensure seamless platform with customers, so that customers from the platform difficult. In addition, through the demonstration effect, driving more customers to finance, more able to get bank credit line, to serve more customers. B2B supply chain finance, is to solve the large financing needs arising. Credit and micro-credit as a pure, promote trade financing, trade financing led. Trade and finance, complement each other and common development. Fifth, the electricity supplier will not finance leather life out of the bank in the past, Lynx, Jingdong, Suning, Yi Xun were in contention user, fight traffic, fight prices, fight logistics. Today, they scuffle in the financial sector. Nobody is willing to lose the war must not be lost. In fact, the recent burst of CUP is intended to incorporate third-party payments can be seen, the electricity supplier's war, will be produced with the traditional strength of the bank violent conflict. Some people say that the Internet banking, electricity suppliers will finance the bank's life out of leather. In this regard, I do not agree. First of all, the two are not equivalent in the same series. Take small loans, for example, at present, China has more than 6,000 micro-credit company, loans approaching 650 billion, this volume is the business platform we can not shake, let alone the hundreds of trillion-scale commercial banks. Second, the Internet or, e-commerce or, it subverts the channels, integration, expansion also channels. Electricity supplier is an intermediary or as an information carrier presence, and not a substitute for manufacturers, banks are actually money as producers exist. Furthermore, the bank where this is capital-intensive, and capital is profit-driven, it has always been no lack of innovation courage and determination. Look 'good financial business,' China's 'financial ICT' Merchants 'micro channel bank', we find that more and more banks to enter the field of electronic business, electronic business market space occupied CCB. Third, lower electricity supplier finance from the line, the Nike Air Yeezy II lack of physical network support, it is difficult to customized services. While big business platform with client data on the platform, but the production and operation of the system is a complex burdensome, relying solely on information technology, the body can not meet every business in every industry different financial needs. And traditional commercial banks in dealing with bad debts, bad debts and financing disputes, etc., has an irreplaceable experience and advantages. Fourth, since the policy of regulatory and institutional constraints, the electricity supplier's financial business development more gingerly, some even stepping on the red line to survive in the cracks. Any illegal, illegal behavior will be severely suppressed. Electricity supplier platform itself, it should be emphasized that the win-win cooperation with the bank, rather than confrontation. It can be expected, with the development of the times, in the future, combining e-commerce and finance will become more tightly and deepen financial integration will enable customers to better e-commerce, e-commerce will also promote better banking services to customers. Of course, the more electricity suppliers will rise and development of financial models. But one Cheap Nike Free Outlet thing will not change: there is demand there will be innovation, innovation will be valuable. Author Introduction Mei Ting, 10 years of observation and study of the electricity supplier. We have many years of commodity trade, supply chain financing, industry analysis, site operations and other work. Now working in the steel-Valley electricity supplier network, engaged in commodities trading online, B2B financial business development, Sina microblogging @ steel micro observation. 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