From the bank coffee mix to see the change of city commercial bank

Affected by the rise of Internet finance, recent attempts by banks to transform their services and channels have become increasingly active. An interesting phenomenon is that cross-border convergence between coffee and banks occurs frequently. Following China Merchants Bank's high-profile launch of China Merchants Bank Coffee Bank, in the field of City Merchants Bank, China Resources Bank's low-key operation of the "coffee bank" in Shenzhen is also gradually concerned by all walks of life.

On June 30, the Pacific Coffee Shop of China Resources Bank Shenzhen Tairan Branch officially opened. This is the third coffee bank opened by Pacific Coffee after the China Resources Bank store in Zhuhai Zhubin Garden and the China Resources Bank store in Shenzhen's Excellence Times Square in 2012.

The first coffee bank experience store between China Merchants Bank and Coffee Management Co., Ltd. officially opened in Beijing in March.

Industry experts believe that under the situation of "unifying the rivers and lakes" of the traditional banking industry, the fundamental reason why Internet enterprises are involved in finance and achieve rapid growth is that Internet enterprises have introduced different customer experiences. and customer experience is the deficiency that the traditional banking industry criticizes most. Therefore, it is inevitable for coffee and banking, two unrelated industries, to merge in the name of improving the customer experience.

From the similar exploration abroad, a number of models represented by ING Direct Coffee Bank have been successful. The provision of fee-based coffee services in bank outlets is considerable in terms of the pull of deposit and loan business, and because of the form of cooperation with large coffee chains, the investment of banks is actually lower than that of traditional outlets.

At present, the only two modes of cross-border cooperation between domestic coffee and banks are China Merchants Bank and China Resources Bank, and the models they adopt are not the same.

China Merchants Bank Coffee Bank can be simply regarded as a bank stationed in a coffee shop, while China Resources Bank is more like a coffee shop in a bank network. The difference between the two models actually represents the difference in thinking between the two banks.

Let's take a look at China Resources Coffee Bank first. The entry of cafes into bank outlets is a kind of service innovation from the point of view of banks. "the financial services of high-end business cardholders are highly coincident with a catering service that is popular with business people in Hong Kong and has begun to expand into the mainland market." Pacific Coffee, a person involved in the establishment of the Coffee Bank, told the media. It is not difficult to see that China Resources Bank's focus is to provide a better experience for customers entering China Resources Bank's outlets. The idea behind it is that coffee consumers in the Pacific are highly coincident with China Resources Bank's customer base.

The significance of China Merchants Bank Coffee Bank in innovation lies not only in providing customers with different experiences, but also in the innovation of channels.

At present, the innovation of the banking industry is affected by the Internet, which seems to pay more attention to electronic transformation, but in the absence of interest rate marketization, the absorption capacity of physical outlets for deposits in the surrounding area is still irreplaceable. Therefore, lightweight outlets such as community banks continue to emerge, and it is precisely under the background that the opening of traditional outlets is subject to regulatory restrictions and the pressure of deposit-loan ratio assessment, banks try to reform the network.

In this regard, Shao Ping, president of Ping an Bank, said: "the model of developing physical outlets has changed-- miniaturization, community, integration, intelligence, and setting up large-scale outlets on the road. That is the practice of the past." The "light bank" strategy put forward by Tian Huiyu, president of China Merchants Bank, is based on the same train of thought.

From the other side of the China Merchants Bank Coffee Bank docking Korea Coffee with you Management Co., Ltd., its cooperation with the bank is also based on the introduction of financial instruments into the laying of chain coffee shops, greatly reducing investment and thus accelerating expansion.

It is understood that the current way of building new stores of "coffee accompany you" is to be entrusted to join, and after investors provide proof of assets, "coffee accompany you" is responsible for providing guarantee loans to the bank.

After the coffee shop opened for business, China Merchants Bank set up a self-service or "occupied" banking area in a special area of the store to provide banking services, while the settlement and other services of the coffee shop chain were also provided by China Merchants Bank as a matter of course. More importantly, China Merchants Bank has greatly expanded its light network.

Another point that can not be ignored is that in this model, the strong retail business of China Merchants Bank is also an important basis of this model, otherwise, without sufficient customer support, this model will not be sustainable.