Clearly, the banks in the business aspects of e-purse is a very strong technical strength, also has hundreds of millions of customers, fair to say that banks and e-purse may be the most powerful, such as the opening of ICBC and Agricultural Bank of China IC card refueling capabilities (East Shanghai Pudong Development Bank Cards can also be used in the Beijing McDonald's, but the market is less affected.) However, banks in the business he ran wallet insurmountable difficulties.
1. Banks need to take the initiative to find partners, such as hospitals, bus companies, railways and other departments. Banking sector to pay as a professional, technical and service quality are good. However, in the interests of segmentation and industry, banks are reluctant to give up too many interests, and other monopoly industries to use its monopoly issue electronic purse, will remain in the interests of the industry.
2. Unable to open a commercial invoice. Many businesses issued prepaid card, you can e-wallet users to open a commercial invoice, and the banks can not provide the commercial invoice. Prepaid Card is the main form of Chinese ritual culture, enterprises and institutions related to employee benefits policy and public relations effect of external units. Larger prepaid market and banks seem irrelevant.
3. Operating electronic purse of the net income received (estimated at about 3,000 yuan in Beijing) accounted for a small share of bank profits, the banks did not have the entrepreneurial drive of high-tech companies, and it is difficult as flexible as a small company. First, the high-tech small companies often privately owned, can earn tens of millions is already a very large number, so the enthusiasm is very great. The leadership of both banks, and employees, the enthusiasm in the electronic purse can not be compared with the private entrepreneurs. Second, the high-tech companies say daring to do, fast, and banks by half a beat slower. Third, the interests of small companies share the entrepreneurial spirit, making money on the line; the profit sharing rate is greater than the bank, the more flexible forms of benefit-sharing. It is difficult for banks to compare. Bank's strengths are the credit, backed by financial strength. Technical aspects of the comparative advantage of banks may face fierce competition from high-tech companies, the advantages of being unable to produce its monopoly, the exclusive effect.
4. High-tech companies the ability to mature and grow in strength will gradually lead to their own competitive advantage in the industry. Bus card was released, high-tech companies gradually broaden its application range, and gradually expand to do fine in the industry, competitiveness gradually. Despite the early release, there are many problems, customer opinion is greater, but these difficulties are often can be gradually overcome. For example, the card issuer in the initial design and the use of electronic wallet, no strength and energy to pay the note with the bank, telecommunications and payments can be interactive, but ultimately the problem can be solved. Market is the most important, high-tech companies share the market to be nurtured in the market to mature.
E, e-wallet impact on the Bank's primary
1. The erosion of the bank payment services, banks gradually retreated to pay the foundation of the retail level. Any non-bank payment must ultimately be paid by bank-based, can not do without bank to pay support. However, the money from the bank account into the wallet, the bank's income reduced, the number will decline in demand deposits, intermediate business income declined. Long-term trend continues, the bank's market share will gradually shrink.
2. Banks will gradually face new competitors. Bus card companies began to grow in strength, will gradually with its own advantages infiltrate financial services, banks will have to face new competitors.
3. Bank of the relative decline in living space and social importance to the relative decline in the absolute importance of China's banking sector continues to improve, but the relative importance was declining. With the penetration of all walks of life to the financial sector, financial sector will become more intense competition in the financial sector gradually increased service capacity, the potential market continues to be developed. The history of banking reform has proven this point.
4. The banking concept may have to change. Banking institutions may be to strengthen banking group by holding the strength, the combination of a subsidiary division, efficiency as a guide, to open up new markets. Bank of China, development of new ideas is to focus on capital controls, cooperation and win-win, and tap the potential market, you have me, and I have you, depend on each other.
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