Tmall Phased Purchase VS Jingdong Ious Internet Platform War Started

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Do you want the central bank to be unhappy again? < a href= "//www.sjfzxm.com/" > Tmall < /a > buy things, you can pay P in installments.

You know, in the spring, Alibaba and Tencent's virtual credit card business has been stopped by the central bank, but the latter is worried about risks.

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At P > IPO, Ali will not be so explicit and challenging to supervise.

Looking closely, this is not a credit payment. It is not the same as ordinary credit card payment. It is a service within the Ali system.

If you analyze the purpose of it carefully, it is really a wave of attack and defense, rushing to the Jingdong and Suning: first, fight the weakness of Internet finance, and the two is to attack the core foundation of others.

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< p > I would like to talk about the so-called "defense" part.

It is actually reflected in Ali's full use of the platform, through the powerful Alipay and the balance of Bao Lai to converge the power of the consumer side, to prevent competitors from becoming bigger Internet finance.

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< p > Tmall phased purchase is a credit purchase service jointly launched by Tmall joint merchants. It pays 3 yuan, 6 yuan and 9 installments. The 3 phase does not charge for fees, 6 or 9.

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< p > you know, Jingdong has launched white stripes before, and it has not been stopped by the central bank. That is because it is not a real concept of Internet Finance: 1, commodities take away, behind the banks are not banks, but Jingdong get time lag by adjusting suppliers' accounts. 2, the platform behind Jingdong's IOUS is not the Internet payment channel.

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In the form of P, Jingdong white stripes are similar to the zero down payment and zero interest rates launched by Gome and Suning, N years ago, or traditional retailers.

In the era of offline channel hegemony, the occupation of suppliers' money has always been the secret of the growth of traditional Dalian locks.

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< p > this white line is of course credit consumption < a href= "//www.sjfzxm.com/" > factor < /a >, but on the whole is a concept of supply chain finance.

This is the realization of Jingdong's channel value, reflecting its ability to control the supply chain.

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< p > but the risk of Jingdong white stripes is basically borne by businesses.

Jingdong set the highest 15 thousand credit limit, but in fact, it is helpless, after all, businessmen are in doubt.

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< p > Tmall is actually not the same. It is really the Internet finance of overbearing and leaking. It can form an internal loop and control the risk in the system.

You know, at the time, Ali's virtual credit card business was stopped. In fact, the secret is here: the pressure of the consumer shopping links is mainly borne by the banks, and the central bank is not willing to do so.

And direct credit to consumers is equivalent to the bank OTT, the risk will eventually be pmitted to the bank side.

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< p > Tmall phased purchase is not credit payment, not directly to the consumer credit, and through the platform merchants credit, the core secret is: the underwriting link, from Ali small loan first to the merchant payment in full, not the bank.

That is to say, the risk can be concentrated on Ali's small loan, which can dispel the doubts of the central bank.

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< p > Alibaba small loan is really arrogant side leakage, because all the money needed is genuine gold and silver.

Although there are Guo Guangchang behind Ali's small loan, it can't be used in cash.

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< p > do not think that it will be laissez faire.

To get credit quota, credit and consumption data are needed.

You must be a Tmall or Taobao user. You must be a Alipay user.

Ali small loan will be awarded a different amount according to the data of consumer behavior and integrity level in the past year, and the risk can be controlled.

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< p > will that be a gimmick? No.

The amount of credit is only one of the installments.

It also has a balance of treasure channel, credit quota is not enough, can be deposited into the balance of treasure treasure, the combination of both, or simply use the balance of treasure, of course, the funds need to freeze for a period of time, but then you can enjoy the financial benefits while enjoying the high floor to enjoy zero down payment.

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< p > you should feel that the risk of installment buying has been dispersed in the Ali system and has not been pferred to the outside world. Unlike Jingdong, the supplier business is also very anxious.

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< p > to talk about the so-called "attack" part, it is Ali's strategy of striking the opponent's core business with the help of Internet < a href= "//www.sjfzxm.com/" > Finance < /a >.

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< p > you know, this installment purchase will first be promoted on Tmall Electric City, because the unit price of the above products is higher, and household appliances and all kinds of consumer electronics, especially mobile phones, have been the main force of online shopping.

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< p > Jingdong and suning.com are the core commodities category of 3C products.

Tmall electric city takes the lead in promoting the installment purchase. Obviously, it wants to use this internet financial means to fire fiercely against their roots.

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Compared to P, on the Internet platform, the threat of Jingdong to Tmall is far greater than that of sunning entities.

To some extent, Tmall electric city has the intention to strike Jingdong accurately.

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< p > 2013, Tmall's total paction volume was as high as about 500000000000 Yuan, which was more than 4 times that of Jingdong in 2013.

However, because of its early vertical characteristics, Jingdong still has strong competitiveness in the field of household appliances and consumer electronics.

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