Investigation Report On Operating Conditions Of "Financial E Purchase" Platform In Henan Branch Of ICBC

China's electricity supplier industry,the rapid development in recent years,some traditional platforms such as Alibaba,Jingdong and other innovative business model,relying on their increasingly perfect service platform and data system gradually to carry out financial services,such as Ali small loans etc.In addition,Alipay,WeChat and three party payment payment platform has to a certain extent,crowding out bank online banking payment market;more and more people choose to change into the balance of treasure and other new financial instruments......We can see that the traditional business of the bank is suffering from shock,Alibaba,Jingdong of this kind of traditional business platform through the provision of financial services is the accumulation of customer resources and customer master data,bank disintermediation becomes more and more serious.In order to more accurately mining customer needs,customer resources,the bank has also begun to enter the field of electricity providers,the establishment of electronic business platform,the bank electricity supplier + finance model gradually growing.PressureICBC to carry out electricity supplier business,you can change the profit model,the adhesion of customer resources.Financial e purchase platform features include points can be arrived at,shopping can be loans,payment diversity,etc.,the use of business models,including B2 C,B2B,B2 G,the face of customers are individuals,businesses and government.This paper adopts the methods of comparative analysis,questionnaire survey and so on.On the one hand,with the same bank CCB good financial business comparison,comparative analysis of the establishment of the time,business model,Henan Province,the number of merchants settled platform features and other aspects;on the other hand,compared with the Alibaba SWOT business platform.Longitudinal analysis is based on the Henan e financial development data such as the amount of transactions,the number of merchants settled for their own comparison.The questionnaire issued in Henan area,around the financial e shopping platform visibility survey,consumers pay platform consumer goods characteristics investigation,investigation,investigation,platform of consumer characteristics and consumer user experience in six aspects,the customer value of the seller information survey,finally using the graphics,forms a detailed analysis of questionnaire survey results at the same time,combined with the current economic development,the financial e shopping platform advantages and disadvantages are analyzed and presented suggestions.Banks do electricity providers want to rely on the electronic business platform to master more data,the depth of mining customer needs,in essence,is to return to financial services,driven by financial penetration.An article with rich data support is very important,in this paper,through the form of research,the use of specific data to analyze the operation of "e",and put forward some suggestions for the development of the platform,which has important practical significance.