Suning Bank is coming, is Jingdong Bank still far behind?

First, Suning stole the largest piece of cake

Suning recently confirmed to the outside world that Suning Cloud Business is applying to the relevant departments for the establishment of the "Suning Bank" and registered a domain name, which triggered Suning's stock price limit for a single day.

The data shows that Suning's e-commerce platform Suning Tesco has more than 20 million registered members and more than 1,700 physical stores under the line. In theory, more than 1,700 physical stores may become bank outlets in the future, and 20 million users may also become potential financial customers. After integrating customers and network resources, Suning Bank has obvious advantages and is generally optimistic about the industry.

In addition, in terms of logistics construction, Suning temporarily overcame one move in Jingdong, first obtaining a national license, and in the first half of this year, obtained regional licenses for 34 provinces and cities. This means that Suning can carry out cross-provincial and inter-city operations nationwide, and it can also allow Suning's courier traffic to be free from traffic restrictions in the 34 operating areas.

Second, Jingdong does not fall and participates

Ma Yun throws out a trilogy of "platform, finance, and data" before he retire. From then on, e-commerce has stepped into the financial industry like floods and beasts, which generally impact the traditional financial industry. As Jingdong, which does not fall behind, B2C was determined to have its own advantages in finance.

In early 2013, Jingdong proposed that the second decade will develop in three directions: first, self-operated e-commerce, second, open service, and third, finance. In October 2012, Jingdong acquired online banking online and obtained its own third-party payment license. In the following month, Jingdong Mall officially released its first financial service product—supply chain financial service system—to suppliers and manufacturers. , distributors, retailers, and end users provide financial services. To this end, Jingdong has reached a credit scale totaling RMB 10 billion with the top 15 banks.

Since then, Jingdong will actively apply for small loans, factoring and other licenses, using online banking as a means to provide more downstream innovative products.

Third, the home appliance giant to the kitchen appliances "charge"

There is still a week away from the sales season of “Jin 9 Silver Ten”. The sales war of kitchen electric products has already begun, and major home appliances giants have laid out one after another to seize the right to speak in the market. US kitchen appliances recently convened over 800 dealers in the Guangdong region to negotiate marketing strategies. The veteran kitchen appliance company Macrocar also took the opportunity to publish new products on the China Shunde Industrial Expo in China last Friday.

At present, the market price of kitchen electric products is very different. Take the smart steam series products developed by a giant appliance company as an example, the sales price covers 1,000 yuan to 5,000 yuan, and a steam cube microwave oven that takes the high-end route costs as much as 20,000 yuan. yuan.

This market has led to the formulation of corporate strategies to a certain extent. Large companies have abandoned the market for low-end products. For example, a certain brand announced that from this year onwards, microwave oven products will stop selling products under 599 yuan in all channels, and vigorously promote steam cube products. The upgrade and expansion of this year will focus on direct-injection steaming and intelligent steaming products.

Fourth, boutique into the future development of home appliance industry mainstream

From the introduction of energy efficiency rating standards for home appliance subdivided areas to the implementation of the National Energy Saving and Benefiting Civil Engineering Project last year, home appliance products will enter the era of high-end, energy-saving and other fine home appliances.

Insiders pointed out that the current situation in China is the lack of boutique brands, especially the world-renowned boutique brands. Compared with ordinary brand products, boutique brand products often cost twice as much, but the difference in price is as high as tens or even hundreds of times. Therefore, in the future, manufacturers in all fields, including household appliances, should pay attention to the development of boutique brands.

In the past few days, hundreds of companies including Lenovo, Haier, TCL and Huang Ming undertook the “Beijing Declaration” campaign of the Chinese boutique brand in Beijing, and bound enterprises from various aspects such as honest development, labor standards, environmental protection, and anti-corruption. Allowing companies to provide strong driving force for nationalized boutique brands through joint supervision, group development, and mutual encouragement.

V. Online purchase of young household appliances is the main force

Recently, the Ministry of Industry and Information Technology released an analysis report on home network purchases. According to the report, the amount of online shopping transactions in the home appliance market in the first half of the year reached 53 billion yuan. Cash on delivery has become the main payment method for home network purchases.

With the prevalence of online shopping and the ever-increasing price war on home appliances, home appliances have gradually become an important category of e-commerce competition. For consumers, online shopping for home appliances is also becoming easier and cheaper. Recently, the Ministry of Industry and Information Technology released a special analysis report on the online purchase of home appliances. The data shows that in the first half of the year, the amount of online shopping for domestic appliances (including mobile phones and tablets) reached 53 billion yuan, of which TV sales reached 2 million units, and mobile phone sales reached 25 million. Taiwan, its total transaction amounted to 30 billion yuan. Overall, home appliances sold through the Internet are mostly low-priced, small-sized, and personally-used small home appliances. Compared with refrigerators, air conditioners, and other home appliances, these small home appliances are more popular with consumers.

According to statistics, online shopping consumers are now between 25 and 40 years old, accounting for 60% of the total. In terms of academic qualifications, undergraduates and above account for 65% of the total number of consumers. According to the report, on the choice of online shopping appliance payment methods, cash on delivery is the main method for home network purchases. Consumers can choose to pay for credit cards or cash after receiving the goods, so cash on delivery is more liked by consumers.

Sixth, the prospects of waste household appliances industry

Since the 1980s, China has gradually become a major producer of home appliances and a manufacturing base for the world's home appliances. It is also becoming a major producer of waste.

Appliance Weekly: Suning Bank is coming, is Jingdong Bank still far behind?

The prospect of home appliance dismantling industry is very good

Statistics show that China has entered the peak period of household appliances scrapping, the annual theoretical scrapped more than 50 million units, an average annual increase of 20%, is expected to the "Twelve Five" late, the annual report will reach more than 160 million tons of waste.

With the development of economy and the progress of science and technology, China is now entering the peak period of replacement of home appliances. In order to reduce the harm of waste electrical appliances to the environment and promote the recycling and recycling of discarded electronic products in an environmentally sound manner, the State Council promulgated the Regulations on the Administration of the Recycling of Waste Electrical Appliances and Electronic Products, and the recycling of used appliances has begun to change into a standardized one. The "Regulations" put forward responsibilities and qualification requirements for producers, sellers, recyclers and processing companies of electrical and electronic products. During the two-year preparation period, the state will establish a waste electrical and electronic product processing fund to subsidize the cost of recycling of waste electrical and electronic products, and incorporate it into national and local budget management.