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随着互联网平台向各个领域的扩张,出现了新的金融模式,即依托互联网电商与传统金融业务的叠加。中国邮政站在“电商服务平台+金融业务”的形势冲击下,昔日的“绿色巨人”中国邮政,正处在应对市场挑战转变自身业务和发展模式的契机。中国邮政通过历史沉淀的积累,在电商服务平台和金融业务上有着得天独厚的优势,中国邮政具有传统的物流网络,较好的物流能力,较好的乡村金融服务口碑。本文首先阐述了对电商金融逐渐发展的背景,以对其模式进行概括总结,最后则是对邮政电商及金融业务发展可能遇到的风险给出建议,希望对邮政电商服务平台的建设和金融业务的发展提供一些帮助。
With the expansion of the Internet platform in various fields, a new financial model has emerged that relies on the superposition of Internet e-commerce and traditional financial services. Under the impact of the “e-commerce service platform + financial services”, the “green giant” China Post is facing an opportunity to meet the challenges of the market and transform its business and development model. Through the accumulation of historical precipitation, China Post has unique advantages in e-commerce service platform and financial business. China Post possesses traditional logistics network, better logistics capability and better reputation in rural financial services. This paper first elaborates the background of the gradual development of e-commerce finance in order to summarize its model, and finally gives some advice on the risks that postal e-commerce and financial services may encounter, hoping to build the postal e-commerce service platform And the financial business development to provide some help.