As the third largest e-commerce platform in China, Vipshop is not the largest in user scale, but it has unique advantages in user value. It takes women as the main customer group and connects the whole family life cycle, thus bringing rich imagination space for Vipshop Finance.
Wen | A new financial resource on fire _
On February 5th, Vipshop and Bank of Shanghai jointly announced a comprehensive strategic cooperation agreement. This is the fifth bank to "hold hands" with Vipshop in the past three months after Bank of Communications, China Everbright Bank, Guangzhou Bank and Guangzhou Rural Commercial Bank.
On the basis of the original cooperation, Vipshop and Shanghai Bank will deepen cooperation in the fields of consumer loans, wealth management and Internet payment. And dig deep into the needs of customers such as investment, wealth management, consumption, loans, and cross-border, and customize exclusive products for both customers; Open and complement each other in the research and development and instant use of financial technology products, and accelerate innovation in the fields of intelligent risk control and service process optimization.
For microfinance, strategic cooperation with high-quality commercial banks is an important measure to deepen its high-quality customer base and expand the depth and breadth of services, and it is also an important step for it to grow into a unicorn in the new financial market segment.
So far, Vipshop Finance has formed a business layout with the consumer loan product "Vipshop Flower Blossom" as the fist product, and the supply chain finance, wealth management, insurance, payment, credit investigation and other businesses have developed together, with nearly 20 million users.
As the third largest e-commerce platform in China, Vipshop is not the largest in user scale, but it has unique advantages in user value. It takes women as the main customer group and connects the whole family life cycle, thus bringing rich imagination space for Vipshop Finance.
Vipshop was established in August 2008. Its main business is to sell brand discount goods online on the Internet, covering all categories such as famous clothing, shoes and bags, beauty cosmetics, maternal and child, home and life. Now it is the largest e-commerce company in the world and the third largest e-commerce company in China. On March 20 12, vipshop will be listed in the United States.
Just like the two major e-commerce companies, Alibaba and JD.COM, Vipshop will gradually get involved in financial business after the e-commerce business matures.
This is because, for the e-commerce platform, the financial business can not only meet the capital needs of suppliers and users, but also feed back the e-commerce business, improve the user repurchase rate and user activity, and enhance user stickiness.
The financial layout of Vipshop started from 20 13. Set up financial service department to take the lead in developing supply chain finance business. In 20 15, vipshop launched the consumer finance product "vipshop", and formally established the Internet Finance Division in the same year.
20 17 may, vipshop announced the spin-off of internet finance business and the reorganization of logistics business, creating a strategic matrix composed of e-commerce, internet finance and logistics. Only product finance came into being.
Today, Vipshop Finance builds a one-stop financial service platform for Vipshop merchants and users by providing financial services such as supply chain finance, consumer finance, wealth management, insurance, payment and credit reporting.
However, the goal of Vipshop Finance obviously does not stop there. In the future, customers of Vipshop will gradually extend from customers of Vipshop to customers of other online and offline cooperation platforms, and develop from the financial service platform of Vipshop Mall to a comprehensive financial service platform covering online and offline scenes.
20 17 is regarded as the year of integration of new finance and traditional finance. Internet companies and commercial banks form alliances to explore financial technology innovation.
On the occasion of the strong supervision cycle in the financial sector, Internet companies hope to enrich their own ecological circle by expanding their financial business. Financial institutions hope to use the platforms and technologies of Internet companies to promote digital transformation, and the two sides hit it off.
Specifically, Internet companies have rich scenarios and a large number of users, but they lack financial licenses and capabilities, which is precisely the advantage of financial institutions; At the same time, the technical and operational capabilities of Internet companies, especially cutting-edge artificial intelligence, cloud computing and big data, are precisely the shortcomings of financial institutions.
In this case, it has a B.
For example, according to the comprehensive strategic cooperation agreement reached between Vipshop and Bank of Communications, the two sides will comprehensively deepen strategic cooperation in the fields of consumer finance, wealth management, insurance, financial technology and big data alliance based on their respective advantages in the financial field.
As far as Vipshop Finance is concerned, the strategic cooperation with Bank of Communications is only the beginning of its open integration and building a comprehensive financial service platform.
On June 5438+February last year, Vipshop and China Everbright Bank jointly issued a joint credit card of Everbright Vipshop, which was the first joint credit card issued by Vipshop Finance. Soon after, Vipshop will successively reach comprehensive strategic cooperation with Guangzhou Bank and Guangzhou Rural Commercial Bank, and this time it will "hand in hand" with Shanghai Bank.
Relying on the third largest e-commerce platform in China, Vipshop Finance has inherent advantages, including scenarios, resources and big data.
It is worth mentioning that since the cash loan rectification storm at the end of last year, Internet consumer finance is returning to the scene as king, which is of great benefit to new financial platforms supported by scenes, including Ant Financial, JD Finance and Vipshop Finance.
However, scenarios, resources and big data are not unique to product finance. So, where is the competitive advantage of product finance?
This will return to the platform characteristics of Vipshop. Among the people who shop at Vipshop, women account for more than 80%, among which the post-80s women are the most important. The latest three quarterly reports show that the per capita consumption reached 643 yuan, and the repurchase rate of users reached 84.4%.
More importantly, this kind of users have the characteristics of paying attention to brand and quality, high credibility, high repurchase rate and high consumption frequency. Moreover, because female consumers often hold the "life and death power" of the whole family consumption, their purchase demand often radiates the whole life cycle of the whole family.
This means that Vipshop will have a high-quality customer base that the other two major e-commerce platforms do not have. Although there is a gap in scale, it has better user value, which is the basis for the differentiated development of Vipshop Finance and even the entire Vipshop ecosystem.
As an attempt, Weipin Finance also launched a series of customized insurance services for women and families, such as "Aibo" cervical cancer insurance and "Aibo" million medical insurance.
As Shen Ya, the founder, said, "Develop Internet financial products that are more in line with the consumption and investment characteristics of women and their families.
And expand the business to more female consumption and life scenes, such as maternal and child, parent-child, education, tourism and other fields. "
Related Q&A: How to open product-oriented finance? Where can I find the specific operation process? I don't know what kind of financial services you want to open. Recently, I just launched Wei Pinhua. If you want to launch Weipinhua, you can log in to any channel such as Vipshop website, Vipshop APP, Weipinhua Financial APP and Weipinhua Financial official micro-signal, click Weipinhua Financial's "Weipinhua", and then fill in basic information such as personal name, ID number and bank card number in the pop-up page as required, and submit it. Specifically, you can log in to Vipshop or Vipshop Financial APP, which is very simple.
Related question and answer: Did Yao Bijun see that Shen Fang's appointment was designed by an article? Or did you just meet by chance? Shen Fang dated Gu, opened the car door and let Gu get on the bus. I found it by accident when I was walking in the street. When passing by with Yao Bijun, Yao Bijun saw Shen Fang and Gu drinking coffee intimately. Obviously, this is not a coincidence, but Lu Wenzhong's deliberate design.
Why did Lu Wen, who had no relatives and no reason, let Yao Bijun see her husband dating other young women? What does this have to do with him?
Let's take a look at Lu Zhangwen of Shen Fangjia. Yao Bijun painted his portrait. The two of them seem to be seriously in love. Lu Wen saw that Shen Fang's family had a painting by Yao Bijun, so she wanted Yao Bijun to draw another one for him casually, hoping that she wouldn't refuse him. Yao Bijun said that he would paint a portrait of Lu. Zhang Wen felt that his face was too ugly and he was very alarmed. Yao Bijun said he hoped he wouldn't refuse her either.
In front of outsiders, Zhang Wen took off his mask for the first time and sat in a chair for Yao Bijun to paint. "Who are you? Please tell me who you are. Why do you always seem to be engraved in your heart? Let bygones be bygones, close your eyes and make love like smoke. Are you waiting for me? Unwilling to leave. You, as I thought, open your eyes so that I can see clearly. I didn't want to be separated in my previous life. Even if there is fate, he won't change my mind. " .
After the portrait was finished, Yao Bijun asked Lu to come and have a look. Zhang Wen quickly put on a mask and said that the painting was very good, but he didn't draw it very well. Yao Bijun said no, because the heart is more important than the appearance. Zhang Wen thanked Yao Bijun for giving him this portrait. After the war and face injury, he didn't have the courage to take pictures for a long time.
Lonely men and few women, living in a room alone, still living in peace, it is impossible to do without special feelings. Between Lu and Yao Bijun, it is actually not love, but more like the feeling of brother and sister, and there is also the friendship of meeting an old friend in another country.
Before that, at the invitation of Shen Fang, Lu came home for tea. When Yao Bijun talked about his brother's tea ceremony, "Jindinghong in beginning of spring is the latest, Maojianchun in the rain, Tongue in Qingming Bashan is sweet, Tieguanyin in Grain Rain is bitter, Narcissus in Wuyi in the long summer is soft, mango tastes foreign kung fu, and jade lotus is the only thing in summer", Lu would relish it and could not help but echo it, very excited.
Yao Bijun reminds Lu Wen of her childhood, the green tea garden and her home, which is a paradise-like pure land. People who have experienced war and family destruction are very eager for family warmth.
Later, Qin staff died in a car accident, so Shen Fang asked for help. After being shot and rescued by surgery, Yao Bijun called Lu, and Lu saved Yao Bijun's life.
It is these doomed friendships that make Shen Fang, Yao Bijun and Lu have a special feeling. Lu wants to protect Yao Bijun and hope that she can be happy. So when he saw Shen Fang dating another young woman, he first reminded and warned Shen Fang, and when Shen Fang drove back, they went drinking together.
On the wine table, Lu said that he believed that everything Shen Fang did had a reason, so Shen Fang was close to that girl and must have his purpose. Shen Fang said that he was not only accurate in shooting, but also accurate in speaking. Zhang Wen believes that even if Shen Fang is really lewd, he will not write it on his face. He doesn't care what Shen Fang's real purpose is. He just wants Shen Fang to always remember that he has a wife, and her wife is very nice. Don't hurt her. Shen Fang said that Zhang Wen thought too much. Zhang Wen felt that Shen Fang was speechless, and the two raised their glasses to drink.
Therefore, Lu thought that this matter could not be kept from Yao Bijun, because she was Shen Fang's wife and she should know. So I specially took Yao Bijun to the coffee shop where Shen Fang and Gu dated, so that Yao Bijun could see them drinking coffee together.
As a wife, Yao Bijun is jealous. She asked Shen Fang what he had done besides working the night shift recently. Shen Fang said that he had social intercourse. Does Yao Bijun expose himself to accompany beautiful women to drink coffee in the entertainment circle? Shen Fang said it was his social way. Being his wife is different from other people's wives, but please rest assured that Yao Bijun will not do anything wrong to her.