Lotte, an open bank to engage in electronic business financeAlibaba build \u0026 ldquo; ali small micro-financial services group \u0026 rdquo ;, the strategic and operational and Lotte has many similarities, then, Kids Nike Trainers financial services Rakuten is Air Jordan Women how composed it? Text / Data Analyst Sun Jixia world network operators in February of this year, electricity suppliers since Gong Wenxiang media people on the microblogging wrote: \u0026 ldquo; Why supercapacitors have to do financial business platform? See in revenue structure ranked Japanese electricity supplier Lotte, financial securities accounted for a third, and less than 50% of revenue to sell merchandise. \u0026 Rdquo; there are always about Lotte Japan's largest electricity supplier to engage financial rumors on the Internet. Then the financial services Lotte specifically what look like? This article gives you demystify Lotte finance. Rakuten and Ali, are doing e-commerce started, and was a great success in the local Internet Group. Lotte earnings of its business will be divided into Internet services, Internet banking, the other three parts, Alibaba Group has similarities with the recent correction. 2003 Lotte acquired a securities company, in 2005 began to focus on building the financial business, the Lotte financial involve securities, credit cards, banking, insurance, prepaid cards and other fields. Because the insurance involves a deeper financial strategic considerations, this article only in the fist Nike Shoes financial Lotte Lotte securities business, Lotte Card, Lotte banks interpretation. 2012 Lotte financial contribution revenue 156.4 billion yen, to about 3 percent of total revenues. Which only banks and card revenues totaled 102.8 billion yen, with online retail platform \u0026 ldquo; Rakuten \u0026 rdquo; 1069 billion yen in revenues fairly, network finance is a huge cake in terms of electricity supplier. Electricity suppliers in the world can say that the scope of financial Rakuten is the best play. Lotte pre-emptive, to expand the network of financial services, partly because the network of financial and electricity suppliers have a natural connection, electronic business platform and a large number of real transactions on the platform of their accumulated financial services to build the network provides a unique advantage; another Rakuten founder was born aspects Industrial Bank of Japan, Softbank has done major investment and financing institutions and other relevant financial advisor investment. Japanese Internet penetration rate in 2011 has been as high as 79.1 percent, the number of Internet users is 9610 million. As at the end of December 2012, the scale of China reached 564 million Internet users, Internet penetration rate of 42.1%, there is a big upside. China is a huge market more than Japan, referring to Lotte performance, China's Internet financial markets have great imagination. Rakuten first chess financial expansion: first securities to finance expansion of Lotte is in November 2003 acquisition of the securities company \u0026 ldquo; DLJ video game ィ ku Suites Ritz SFG Securities \u0026 rdquo ;, the acquisition cost of 30 billion yen Rakuten acquires the securities 96.67% stake in the company, and in July 4, 2004 to change the company name to \u0026 ldquo; Rakuten Securities \u0026 rdquo ;. September of that year the number of accounts acquired Japan's third number about 147,000 accounts, Lotte now more than 1.3 million securities accounts. Rakuten hope securities acquired business can form a mutual promotion and Lotte Group, electricity suppliers and other business, make the securities business to bring more members of Lotte, let Lotte online retail platform \u0026 ldquo; Rakuten \u0026 rdquo; the accumulation of a large number of members into the securities business Consumers, through the Internet, which allows the investment securities has become more convenient, small congregation become increasingly popular, and by providing financial services to expand the scope of business groups, reinforce the cornerstone of Lotte Group's development and increase revenue opportunities. Lotte opened up by integration and electricity suppliers and other securities business, you can get points by Rakuten Rakuten securities investment, and integration in \u0026 Air Jordan 3 Retro ldquo; Rakuten \u0026 rdquo; shopping. In 2005, Rakuten Securities Rakuten consumers new members accounted for 60%, the electricity supplier network securities to diversion effect is obvious. Rakuten positioning Securities Japan's first Internet securities companies, and the current row after SBI Securities Rakuten Securities, Japan's second-place network security company. Rakuten Securities Japan's main business is domestic and foreign equities, and investment trusts, bonds, domestic and international futures, foreign exchange, funds, and other precious metals. Of course, the nature of the securities or securities network, the network is more innovative marketing approach, the network security market situation affected the entire investment will be more obvious. And earlier this year, along with Yahoo Japan incoming securities business, future market competition will be more intense. Ali's domestic wealth management Air Jordan XX8 platform Taobao launched in 2012 to form the platform involved funds, insurance banking, precious metals and other fields. Alipay has also established the following financial channel, you can open Alipay financial accounts and fund accounts, also involves funds, precious metals, insurance and wealth management products, and other fields. I believe in the future with the gradual liberalization policies and the market matures, on-line financial products will be more abundant species, Taobao and Alipay accumulated a large consumer of resources and data will be Ali's advantage. The absolute core of Lotte Finance: credit cards popular Chinese third-party payment, Paypal occupied the absolute bulk of Ali Group, the potential of stocks. In Japan, due to the relatively sound credit system and other reasons, the online retail market in Japan the top three means of payment is credit card, cash, bank transfer. In Japan, the third-party payment market is currently almost no (statistical results of METI). To 70% of transactions are paid for by credit card \u0026 ldquo; Rakuten \u0026 rdquo;, the credit card is to control the consumption of important sources of funding means of payment, and the close relationship between the electricity supplier business, credit card Alipay Ali in terms of like the Lotte as important and indispensable position. At the same time, consumers in the \u0026 ldquo; Rakuten \u0026 rdquo; consumption records could be issued on the basis of credit card credit; credit card business will bring Lotte growth in fee income and other revenue; in addition, not only online consumer credit card, also available online lower consumption, integration of online and offline consumer can obtain common use, a card to get through the consumption scene online and offline, will become one of Lotte O2O weapon deployment. Therefore, Lotte will \u0026 ldquo; Lotte Card \u0026 rdquo; as the absolute core of its financial development, put a lot of resources. September 2004, Lotte to ¥ 7.4 billion acquisition of credit card loan company \u0026 ldquo; AOZORA card \u0026 rdquo;, 2005 年 6 ago for ¥ 12 billion acquisition of credit card company \u0026 ldquo; domestic Shinpan \u0026 rdquo ;, began issuing credit cards \u0026 ldquo; Lotte Cards \u0026 rdquo ;. In recent years, the use of a credit card transaction amount Lotte Shopping is increased significantly, which in 2012 was 1.802 trillion yen, an increase of 36% compared with 2011, growth was driven by increased credit card issuance. 2012 Lotte Card revenues of 69.737 billion yen (for external consumer segment), in financial services in accounting for over 40%. Ali Alipay recently launched a \u0026 ldquo; \u0026 rdquo ;, credit payment is the first network of consumer financial services Ali finance joint bank, as long as the signing of the credit payment, you will get a credit line for the user to recycling. The first will be the first to open in mid-April in Zhejiang and Hunan, the use of a period of Taobao transactions, mobile phones, Pad advance consumer when shopping, the future will be built Alipay open to all businesses. Credit card has two main functions, one consumer payment, the second is credit card loans, if Alipay \u0026 ldquo; credit payment \u0026 rdquo; all future business Opening for online and offline, then the consumer payment has been roughly equivalent to a credit card, but may Alipay \u0026 ldquo ; credit payment \u0026 rdquo; no card carrier, but the phone as a carrier, or even no carrier. First Internet Bank of Japan \u0026 mdash; \u0026 mdash; Rakuten Rakuten Bank in February 2009 acquired a second birth in Japan Internet banking eBANK Corporation, 2010 年 month to give its name to Rakuten Bank, now Bank Rakuten is Japan's largest online bank, By the end of February this year reached 4.22 million accounts, deposits 819.4 billion yen. Bank deposit-taking function Lotte brought a lot of money deposit funds pool money inside are endless energy supplement Lotte expand business. Rakuten use the services provided by the bank acquired points can be used for online shopping, and other services obtained through other service integration can also pay bank charges. eBANK Corporation was established in January 2000, July 2001 to obtain a banking license, the core business is the Internet billing, there was no Air Jordan 3 Retro financing. November 2005 began to get involved in the investment trust business, to carry out ordinary foreign currency deposits, foreign exchange and other fees the industry's lowest in December 2006, the network has brought the bank to its cost competitiveness.年 2006 eBANK started to issue debit cards. 2009 eBANK was acquired by Lotte. Rakuten eBANK first acquisition fancy its industry-leading payment and settlement capabilities, bring more convenient payment experience for Lotte settlement tens of millions of members; followed by Lotte can take advantage of the huge consumer groups, the development of personal loans, housing loans , electronic money and other financial products. Lotte rely on large user advantages, eBANK year included Lotte's successful turnaround will. Rakuten is currently divided into individual banking accounts, individual industry, business categories, business involving debit cards issued, domestic and foreign transfers, payments, yen deposits, foreign currency deposits, card, deposit, remittance business, personal loans, housing loans and many other fields. Rakuten Bank it did not set the ATM, but the issue of debit cards in Japan about 60,000 units nationwide ATM withdrawals, and without fee. Rakuten shop to shop in terms of bank accounts in the biggest advantage is that you can receive Rakuten Rakuten daily settlement payments, cash flow quickly. Rakuten Bank \u0026 ldquo; Super Loan \u0026 rdquo; is for personal finance credit products, launched in April 2009, the applicant may be the consumer, it can be self-employed. Rakuten Bank does not provide financing for corporate loans, but the legal representative of the individual's identity can apply for loans to Rakuten Bank. \u0026 Ldquo; Super Loan \u0026 rdquo; do not limit the use, you can get up to 5 million yen in loans, in addition to the self-employed and the legal representative of the average consumer, loans ¥ 2,000,000 or less do not need to provide proof of income, whether or not there is a formal job You Air Jordan 18 can obtain loans from Lotte. Lotte Group had 2006 and \u0026 ldquo; Tokyo Tomin Bank \u0026 rdquo; reached an agreement to provide loans for small and medium enterprises and individuals, open \u0026 ldquo; Tokyo Tomin Bank of Rakuten Branch \u0026 rdquo ;, but closed the business in late 2008. Under China's financial environment, SMEs get more difficult loans, the Ali Group launched for Taobao sellers and B2B business finance credit products, but does not exclude Japan following \u0026 ldquo; credit payment \u0026 rdquo; after the introduction of consumer-oriented personal loan products possibilities. 1. Taobao sellers money \u0026 mdash; \u0026 mdash; \u0026 ldquo; Taobao loans \u0026 rdquo; in response to Taobao sellers of financial needs, Ali launched the \u0026 ldquo; Taobao Loan \u0026 rdquo ;, now open in the country, divided into \u0026 ldquo; Order loans \u0026 rdquo; and \u0026 ldquo ; credit \u0026 rdquo; two kinds. \u0026 Ldquo; Order loans \u0026 rdquo; is based on the seller has shipped barter shop order amount buyers unconfirmed, combined store operations, a comprehensive assessment given credit line loans, loan period one month. \u0026 Ldquo; credit \u0026 rdquo; is given based on the integrated operation of the store credit, limit orders from the same day, without collateral, the credit line can be used repeatedly disbursed as also with the borrowed loan term up to 12 months. 2.B2B corporate money \u0026 mdash; \u0026 mdash; \u0026 ldquo; Ali credit \u0026 rdquo; In order to cope with Chinese station members, China Supplier Member of funding needs, Ali launched the \u0026 ldquo; Ali credit \u0026 rdquo ;, currently facing the industrial and commercial registration in Shanghai, Zhejiang, Jiangsu, Guangdong, and the registration time at least two years of business or self-employed, and the applicant's total sales of nearly 12 months, less than 150 million. (As contained in the 'world network operators \u0026 middot; managers' 2013 April issue) [Welcome Search \u0026 ldquo in the micro channel; txws_txws \u0026 rdquo; attention to our official micro-channel, 6 a day to miss the wonderful article. ]