Jingdong Wants To Build A "Alipay".

When Jingdong was holding high the banner of listing, it accidentally unloaded its financial business from the big ship of Jingdong group during this sensitive period. Since then, Jingdong financial group has been independent. A few days ago, Jingdong announced that its business has been split and integrated. The Jingdong group includes Jingdong mall group, financial group, subsidiary company pat Network and overseas business unit. The founder of Jingdong, Liu Qiangdong, still controls the whole company as CEO.

Today, with the popularity of Internet finance, Jingdong financial group has been singled out by Jingdong, which is obviously injected into a strong development ideal. Reporters log on to Jingdong's official website and found that the "financial" project has already had an independent channel access at the official website of Jingdong mall. At present, Jingdong finance is divided into four parts, namely, supply chain finance, consumer finance, online banking and online business. In terms of service, Supply chain Under the financial banner of Beijing Bao Bei, consumer finance Jingdong's ious (also in public beta), online banking online banking wallet and Jingdong small coffers have been launched.

　　 Financial ecological back feeding group

Jingdong's financial independence is not surprising. Ali will Alipay Going out alone is a living example of the industry. Jingdong's attack on Internet finance is obviously slower than that of its friends, but this does not mean that Jingdong's layout finance is based on strategic defensive mentality. On the contrary, what Jingdong finance wants to do is to earn more profits for the group. According to the overall planning of Jingdong, this area will feed the Jingdong group in the future, and seven of its profits will come from the financial business, which is Chengdu. JD.COM The operational logic of finance.

In the eyes of Liu Changhong, head of Jingdong financial affairs department, Jingdong actually started the financial business earlier, but the attitude was more conservative and did not disclose to the outside world. Jingdong began to think from the beginning of 2012, and began to get in touch with the relevant financial institutions in that year. In July 2013, the Ministry of finance was independent. Whether it is the first sound of the supply chain finance Beijing Bao Bei, or to create consumer credit, the first line of credit, and even online banking online has always been the main force of the Internet banking wallet, are based on Jingdong big data around the upper and lower reaches of the ecological circle in detail.

According to Jingdong financial market director of public relations, Jingdong Financial Group currently has more than 500 employees, mostly from banks, funds, securities companies and other traditional financial institutions and part of the Internet, e-commerce enterprises, some from the retail business of Jingdong, talent is still growing.

Compared with friends, Jingdong's concern about the loss of the first mover advantage and the worries about the future financial business are also seen by the industry. In the IPO document, Jingdong also admitted that its Internet banking business is not yet proficient enough. "In China, we recently began to participate in Internet financial services and have developed many kinds of financial products. But because of the unfamiliarity with Internet finance, we may not be able to predict the demand and preferences in the market.

　　 Payment prospects unknown

Alipay, which is in full swing with major banking institutions, has become the pioneer of Internet finance. In early April, online banking purse just launched on Jingdong finance was speculation by the industry whether Jingdong intends to make the next Alipay.

Jingdong financial group responsible person did not disclose more about the structure and future plans, but several financial businesses that have been launched have received considerable attention from the industry. Among them, Jingdong's supply chain finance granted loans to suppliers more than 1 billion yuan within one month. 500 thousand subscribers were opened in Jingdong's IOUs, and the maximum credit limit was 15 thousand yuan.

As of 7 days of this month, the seven day yield of Jingdong's small Treasuries was ranked first among similar products, with a yield of 5.735%. On the same day, the balance treasure income was 5.373%, and the change treasure was 5.191%.

Zhuo Saijun, an analyst at Analysys think tank, believes that the strategic significance of Jingdong financial independence from the group is greater than the actual significance. Due to the late force, Jingdong finance is not mature enough. This will make it possible to improve the IPO valuation. Lu Zhenwang, an e-commerce analyst, said that Alipay has made exclusive payments on Taobao platform. But the coverage of online banking is narrow, not only users are few, but also more people on Jingdong platform choose cash on delivery or online online banking, which makes the status of Internet banking wallet as a means of third party payment somewhat awkward, and the prospect is not clear enough. But Lu Zhenwang said that compared to the online banking wallet, Jingdong's supply chain finance and credit payment have received a lot of attention, which should be the main force of Jingdong finance.