步入浙江前后科技股份有限公司大(da)樓，兩臺大(da)屏幕電腦顯示(shi)屏不(bu)停地播(bo)出實(shi)(shi)時(shi)交(jiao)易(yi)信息(xi)。右邊(bian)滾(gun)動著(zhu)僅限商家查看(kan)的OEM訂單展示(shi)，左邊(bian)滾(gun)動顯示(shi)的是(shi)已(yi)付款、已(yi)發(fa)貨(huo)實(shi)(shi)時(shi)采購訂單展示(shi)，下(xia)邊(bian)游動著(zhu)意向客戶(hu)、回頭客戶(hu)的信息(xi)。公司總裁李彬告訴筆者(zhe)，公司上(shang)(shang)下(xia)游都是(shi)小微企業，網上(shang)(shang)交(jiao)易(yi)額前年(nian)是(shi)5000萬元，去年(nian)就達5.3億元，今年(nian)已(yi)逾(yu)18億元，發(fa)展前景(jing)無限。

12月25日，中信(xin)(xin)銀(yin)行(xing)(xing)臺州(zhou)分行(xing)(xing)與(yu)浙(zhe)江前(qian)后(hou)科技股(gu)份有限公司在(zai)臺州(zhou)正式簽訂了(le) 《電(dian)子商(shang)(shang)務戰(zhan)略合作協議(yi)》，開(kai)啟(qi)了(le)商(shang)(shang)業(ye)(ye)銀(yin)行(xing)(xing)與(yu)電(dian)商(shang)(shang)企(qi)(qi)業(ye)(ye)全面合作新(xin)時(shi)期。通過銀(yin)企(qi)(qi)聯手，充分發揮商(shang)(shang)業(ye)(ye)銀(yin)行(xing)(xing)和(he)電(dian)子商(shang)(shang)務企(qi)(qi)業(ye)(ye)兩個業(ye)(ye)務領域的(de)資源優勢(shi)，合力(li)支持小微企(qi)(qi)業(ye)(ye)健康(kang)持續發展。中信(xin)(xin)銀(yin)行(xing)(xing)總行(xing)(xing)黨委(wei)委(wei)員、杭州(zhou)分行(xing)(xing)行(xing)(xing)長(chang)王(wang)利亞(ya)和(he)臺州(zhou)市(shi)委(wei)副書記(ji)、代市(shi)長(chang)張(zhang)兵等主要(yao)領導出席簽約儀式。這是中信(xin)(xin)銀(yin)行(xing)(xing)臺州(zhou)分行(xing)(xing)早在(zai)今年2月與(yu)浙(zhe)江前(qian)后(hou)科技簽訂合作協議(yi)后(hou)邁出的(de)實質性一步。

王利(li)亞指出，浙(zhe)江把發(fa)展(zhan)電子商(shang)務作(zuo)為轉型升級的新引擎，這(zhe)與(yu)中信(xin)(xin)銀行(xing)提出的“再造一(yi)(yi)個網(wang)(wang)上中信(xin)(xin)銀行(xing)”的戰略高度契合(he)(he)。中信(xin)(xin)銀行(xing)是全國最(zui)早參(can)與(yu)互聯網(wang)(wang)金(jin)融創新的商(shang)業銀行(xing)，現已構建起(qi)涵蓋線上支付(fu)、網(wang)(wang)絡融資、在(zai)線理財等在(zai)內的產品體系，并(bing)發(fa)揮中信(xin)(xin)集(ji)團“金(jin)融全牌照”的綜合(he)(he)優勢，與(yu)一(yi)(yi)大批國內主流電子商(shang)務企(qi)業建立合(he)(he)作(zuo)關系。以這(zhe)次戰略合(he)(he)作(zuo)簽約為契機(ji)，中信(xin)(xin)銀行(xing)希望能夠與(yu)浙(zhe)江本土電商(shang)企(qi)業共同打造商(shang)業銀行(xing)與(yu)電子商(shang)務企(qi)業合(he)(he)作(zuo)的新典(dian)范，為當(dang)地經濟轉型升級帶(dai)來新動(dong)力。

中(zhong)信(xin)銀行(xing)臺(tai)州(zhou)(zhou)分行(xing)行(xing)長(chang)鄭(zheng)愛民說，浙江前(qian)(qian)后(hou)科(ke)(ke)技股(gu)份有限公(gong)(gong)(gong)司是(shi)(shi)臺(tai)州(zhou)(zhou)的電子(zi)商(shang)務(wu)(wu)(wu)核心企業，是(shi)(shi)全國最大零中(zhong)間商(shang)批發平臺(tai)，中(zhong)信(xin)銀行(xing)與(yu)該公(gong)(gong)(gong)司的合(he)(he)作(zuo)，主要是(shi)(shi)看(kan)中(zhong)該公(gong)(gong)(gong)司能為(wei)成(cheng)千上(shang)(shang)萬的上(shang)(shang)游小(xiao)微企業和下(xia)游的小(xiao)微店商(shang)提供(gong)批量服務(wu)(wu)(wu)。近10個(ge)月(yue)的合(he)(he)作(zuo)表明，中(zhong)信(xin)銀行(xing)通過發揮先進的網絡銀行(xing)業務(wu)(wu)(wu)優勢(shi)，成(cheng)功與(yu)該公(gong)(gong)(gong)司的網絡平臺(tai)對(dui)接，對(dui)公(gong)(gong)(gong)司上(shang)(shang)下(xia)游10萬多個(ge)小(xiao)微企業提供(gong)有效的移動端商(shang)戶網上(shang)(shang)收單和批量網絡貸款服務(wu)(wu)(wu)，探(tan)索出了(le)一條對(dui)小(xiao)微企業網絡化(hua)批量化(hua)服務(wu)(wu)(wu)新模式(shi)。這次成(cheng)功簽約，為(wei)中(zhong)信(xin)銀行(xing)與(yu)浙江前(qian)(qian)后(hou)科(ke)(ke)技股(gu)份有限公(gong)(gong)(gong)司長(chang)期戰略合(he)(he)作(zuo)奠定了(le)基(ji)礎，也為(wei)臺(tai)州(zhou)(zhou)這座未來“國家電子(zi)商(shang)務(wu)(wu)(wu)示(shi)范(fan)城”建設添上(shang)(shang)了(le)濃重一筆(bi)。

浙江前(qian)(qian)后科(ke)技股(gu)份有(you)限公(gong)司(si)(si)于2010年(nian)12月成(cheng)(cheng)立。該企(qi)業的(de)(de)(de)主(zhu)要(yao)業務模式是(shi)(shi)通(tong)(tong)(tong)(tong)過(guo)(guo)互聯(lian)網(wang)手段，打造生(sheng)(sheng)產廠(chang)(chang)家(jia)之(zhi)(zhi)間(jian)和(he)零售小商(shang)家(jia)之(zhi)(zhi)間(jian)的(de)(de)(de)“零中間(jian)商(shang)批(pi)(pi)發(fa)平臺(tai)(tai)(tai)(tai)”。該業務模式和(he)阿里巴巴有(you)異曲(qu)同工之(zhi)(zhi)妙(miao)，但屬于錯位競爭。其區別在于阿里巴巴是(shi)(shi)通(tong)(tong)(tong)(tong)過(guo)(guo)搭建平臺(tai)(tai)(tai)(tai)來(lai)幫助網(wang)上(shang)的(de)(de)(de)商(shang)家(jia)進行經營(ying)(ying)，而該公(gong)司(si)(si)是(shi)(shi)通(tong)(tong)(tong)(tong)過(guo)(guo)搭建平臺(tai)(tai)(tai)(tai)來(lai)幫助零售實體(ti)店(dian)進行經營(ying)(ying)，使(shi)實體(ti)零售商(shang)通(tong)(tong)(tong)(tong)過(guo)(guo)該公(gong)司(si)(si)的(de)(de)(de)平臺(tai)(tai)(tai)(tai)，就可(ke)以(yi)直(zhi)(zhi)接(jie)向(xiang)生(sheng)(sheng)產廠(chang)(chang)家(jia)采購商(shang)品，繞(rao)過(guo)(guo)經銷(xiao)商(shang)環節，降低商(shang)業流通(tong)(tong)(tong)(tong)環節和(he)流通(tong)(tong)(tong)(tong)成(cheng)(cheng)本(ben)。該公(gong)司(si)(si)通(tong)(tong)(tong)(tong)過(guo)(guo)“前(qian)(qian)店(dian)后廠(chang)(chang)”的(de)(de)(de)電子(zi)商(shang)務平臺(tai)(tai)(tai)(tai),將(jiang)(jiang)千(qian)萬店(dian)鋪(pu)、萬千(qian)廠(chang)(chang)家(jia)緊緊地(di)聯(lian)在一(yi)起，使(shi)前(qian)(qian)端的(de)(de)(de)小微店(dian)商(shang)與后端的(de)(de)(de)小微企(qi)業直(zhi)(zhi)接(jie)對接(jie)，促成(cheng)(cheng)線(xian)上(shang)線(xian)下(xia)營(ying)(ying)銷(xiao)和(he)經營(ying)(ying)，為廠(chang)(chang)家(jia)和(he)批(pi)(pi)發(fa)商(shang)的(de)(de)(de)直(zhi)(zhi)接(jie)交易提供了專業的(de)(de)(de)網(wang)絡平臺(tai)(tai)(tai)(tai)。這一(yi)平臺(tai)(tai)(tai)(tai)，利用(yong)電子(zi)商(shang)務全天候、跨地(di)域(yu)、低成(cheng)(cheng)本(ben)、便捷高效的(de)(de)(de)特點，將(jiang)(jiang)商(shang)品供求信(xin)息(xi)迅速、持(chi)續地(di)傳播到(dao)任何(he)地(di)區，有(you)效克服了傳統銷(xiao)售渠道中間(jian)批(pi)(pi)發(fa)商(shang)費(fei)時、費(fei)力、成(cheng)(cheng)本(ben)高等(deng)弱勢。目前(qian)(qian)，該公(gong)司(si)(si)合(he)作的(de)(de)(de)零售商(shang)戶約10萬家(jia)，合(he)作的(de)(de)(de)小微生(sheng)(sheng)產廠(chang)(chang)家(jia)超過(guo)(guo)8000家(jia)，并在不斷增(zeng)長，且(qie)日益向(xiang)海外延伸(shen)，其上(shang)下(xia)游企(qi)業結算資(zi)金(jin)(jin)已超18億(yi)(yi)元，預計通(tong)(tong)(tong)(tong)過(guo)(guo)強化上(shang)下(xia)游資(zi)金(jin)(jin)的(de)(de)(de)控制，2014年(nian)結算資(zi)金(jin)(jin)將(jiang)(jiang)達500億(yi)(yi)元，前(qian)(qian)景(jing)廣闊。

互聯網時代，商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)行(xing)如何更好地服(fu)務(wu)(wu)(wu)小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，讓小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)享(xiang)受普惠金(jin)融(rong)的(de)(de)陽光，這是中(zhong)(zhong)信(xin)(xin)銀(yin)行(xing)一(yi)直致(zhi)力(li)探索的(de)(de)重要課題。早(zao)在(zai)(zai)2012年(nian)初，中(zhong)(zhong)信(xin)(xin)銀(yin)行(xing)臺(tai)州分行(xing)與(yu)浙(zhe)(zhe)江(jiang)前后科技股份有(you)(you)限公(gong)司就已(yi)(yi)在(zai)(zai)貸(dai)記(ji)卡支(zhi)(zhi)付網關接口、供應(ying)商(shang)貸(dai)款(kuan)等(deng)(deng)諸多業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)領(ling)域進行(xing)了成(cheng)(cheng)(cheng)功(gong)(gong)合作。為(wei)進一(yi)步擴大合作成(cheng)(cheng)(cheng)果，推動(dong)合作向縱深發展，探索商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)行(xing)和電(dian)子商(shang)務(wu)(wu)(wu)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)在(zai)(zai)金(jin)融(rong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)領(ling)域合作的(de)(de)新(xin)渠道(dao)、新(xin)途徑，雙方決定建(jian)立(li)全(quan)(quan)面戰略合作關系。于(yu)是，他們在(zai)(zai)積極推進“臺(tai)州市小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)金(jin)融(rong)服(fu)務(wu)(wu)(wu)改革創新(xin)試驗區”建(jian)設中(zhong)(zhong)，針(zhen)對(dui)(dui)浙(zhe)(zhe)江(jiang)前后科技股份有(you)(you)限公(gong)司兩端(duan)小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)對(dui)(dui)移動(dong)支(zhi)(zhi)付和網絡貸(dai)款(kuan)提(ti)出的(de)(de)新(xin)要求，探索出批量(liang)對(dui)(dui)接、批量(liang)服(fu)務(wu)(wu)(wu)小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)新(xin)途徑，通(tong)過運用“異度支(zhi)(zhi)付”的(de)(de)功(gong)(gong)能優勢，成(cheng)(cheng)(cheng)功(gong)(gong)與(yu)公(gong)司網絡平臺(tai)對(dui)(dui)接，賦予公(gong)司上(shang)下(xia)(xia)(xia)游客戶交(jiao)易手機支(zhi)(zhi)付和收(shou)單功(gong)(gong)能，提(ti)供公(gong)司上(shang)下(xia)(xia)(xia)游小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)客戶間的(de)(de)結(jie)算(suan)便利。預計未(wei)來三年(nian)，中(zhong)(zhong)信(xin)(xin)銀(yin)行(xing)可為(wei)該公(gong)司實現全(quan)(quan)網收(shou)單資(zi)金(jin)歸集和結(jie)算(suan)200億元(yuan)以上(shang)，為(wei)其上(shang)下(xia)(xia)(xia)游小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)提(ti)供網絡貸(dai)款(kuan)超15億元(yuan)。同時，基于(yu)公(gong)司客戶日常交(jiao)易的(de)(de)大數據分析，中(zhong)(zhong)信(xin)(xin)銀(yin)行(xing)將向其上(shang)下(xia)(xia)(xia)游企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)優先提(ti)供綜合授信(xin)(xin)、電(dian)子商(shang)務(wu)(wu)(wu)支(zhi)(zhi)付結(jie)算(suan)、上(shang)下(xia)(xia)(xia)游客戶批量(liang)POS貸(dai)、種子基金(jin)貸(dai)等(deng)(deng)多種信(xin)(xin)貸(dai)支(zhi)(zhi)持及其他金(jin)融(rong)產品與(yu)服(fu)務(wu)(wu)(wu)，并(bing)給予結(jie)算(suan)收(shou)費、利率等(deng)(deng)優惠，有(you)(you)效(xiao)解決小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)融(rong)資(zi)急、融(rong)資(zi)難問題。如今(jin)，中(zhong)(zhong)信(xin)(xin)銀(yin)行(xing)已(yi)(yi)完成(cheng)(cheng)(cheng)APP端(duan)“異度支(zhi)(zhi)付”程序開發，并(bing)已(yi)(yi)正式上(shang)線(xian)運行(xing)，首批約1600萬元(yuan)的(de)(de)POS貸(dai)項目已(yi)(yi)通(tong)過當地市場測(ce)試成(cheng)(cheng)(cheng)功(gong)(gong)，讓公(gong)司上(shang)下(xia)(xia)(xia)游小(xiao)微(wei)企(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)和店商(shang)享(xiang)受到了中(zhong)(zhong)信(xin)(xin)銀(yin)行(xing)網絡化(hua)批量(liang)化(hua)服(fu)務(wu)(wu)(wu)的(de)(de)實惠。 （文/呂志強、王哲）