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The author:(作者)左published in(发表于) 2013/11/12 12:28:55 Banks on micro-banking service： not to talk about profit making views
Banks on micro-banking services:-don't talk about profit making popular micro-banks, micro--IT information Banks on micro-banking service: not to talk about profit making views
At present, including China Merchants Bank, Bank of China, CITIC, ICBC and ping an, guangfa, bocomm and other more than 10 banks have launched micro banking services in cooperation with micro-platform.
Throughout current all home Bank launched of micro-letter bank service not difficult found, many micro-letter Bank is to released Bank ex gratia information mainly, covers eat, and wear, and live, and line, and entertainment, modern city life of every aspect, also can achieved Bill points query, and online do card, function, more of is commitment Bank of a publicity platform, essentially are not and holding card people of account occurred relationship, so security high.
Micro-Bank China Merchants Bank is the true meaning of the micro-banks, users can apply for loans online, buy financial products. Prior to transact business, users need to authenticate, binding the bank cards, which most financial functions implemented.
For a number of banks have launched micro banking services, Bank electronic banking official told the China business news journalists admitted: "micro-letter needs to Tencent takes channel, for us, we are more willing to build channels. At present, this kind of platform is changing too fast, so I couldn't see the future trends, invest a lot of effort to develop micro-Bank, Minsheng Bank and there is not much interest. ”
In this regard, another large commercial bank official said: "every bank has its own characteristics and development of micro-Bank in most banks in the master plan, assume more of a marketing function, because clients locate different banks, so not every family needs such a platform. ”
"The development of banking business opportunity is fleeting, we cannot wait or wait-and-see. Micro-banks, for banks is to adapt to the inevitable choice of customer behavior patterns. "Bank of China says Chen Yu, head electronic banking product development and marketing teams.
"The use of micro-platform's huge user base, friends interactive and interactive experience associated with it, banks more counter and online banking operations could be transplanted into the micro-platform. "For all home Bank have launched or upgrade micro-letter Bank, easy view of senior analyst Zhang Meng said, despite prospects tempting, but if micro-letter Bank stay in currently of push sent offers promotions information, and query financial products, and reservation lined up, service Shang, that on reduced for customer and Bank Zhijian points to points timely communication of tools, and non-real of Internet financial platform, currently all line of micro-letter Bank more in" accounted for pit "of stage, so at this stage profit or not important, important of is in Internet channel Shang increased user stickiness.
银行推微信银行服务：不谈盈利赚人气 - 微信银行,微信 - IT资讯银行推微信银行服务：不谈盈利赚人气
目前，包括招行、中行、中信、工行、平安、广发、交行等超过10家银行已经与微信平台合作推出微信银行服务。
纵观当前各家银行推出的微信银行服务不难发现，不少微信银行是以发布银行特惠信息为主，涵盖吃、穿、住、行、娱乐等现代都市生活的方方面面，还可实现账单积分查询、在线办卡等功能，更多的是承担银行的一个宣传平台，本质上都未和持卡人的账户发生关系，因此安全性较高。
而招行的微信银行则是真正意义上的微信银行，用户可以在线申请贷款、购买理财产品。办理业务前，用户需要通过身份验证，绑定银行卡等，其实现的金融功能最多。
针对多家银行纷纷推出微信银行服务的现象，民生银行电子银行相关负责人对《中国经营报》记者坦言：“微信需要向腾讯借渠道，对我们来说，我们更愿意自建渠道。目前，这类平台兴衰更替的速度太快，所以有点看不清未来趋势，对于投入大量精力开拓微信银行，民生银行并没有多大的兴趣。”
对此，另一位大型商业银行的相关负责人则表示理解：“每个银行都有自己的特色和发展，微信银行在大多数银行的总体规划中，更多的是承担营销推广的功能，因为各家银行客户群的定位不同，所以并不是每一家都需要这样的平台。”
“发展微信银行业务的机会是稍纵即逝的，我们不能等待或观望。做微信银行，对于银行来说是适应客户行为模式的必然选择。”中国银行电子银行产品研发与推广团队主管陈瑜表示。
“利用微信平台的庞大用户群，与之相关的朋友圈互动和交互体验，银行可将更多的柜面和网银业务移植到微信平台。”针对各家银行纷纷推出或升级微信银行，易观的资深分析师张萌称，尽管前景诱人，但如果微信银行停留在目前的推送优惠促销信息、查询理财产品、预约排队等服务上，那就沦落为客户与银行之间点对点及时沟通的工具，而非真正的互联网金融平台，目前各行的微信银行更多处于“占坑”的阶段，所以现阶段盈利与否不重要，重要的是在互联网渠道上增加用户黏性。
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