Suning Yunshang’s Innovation Research In Capital Operation

With further reform of national financial system, since June of 2013, supervision level has continually offered positive signal to private banks.Related policies and guidance for private capitals to open private banks have been established successively. Opportunity of lower requirement of bank access has lighted up the fire for passion of great numbers of private enterprises including Suning to set up their private banks. As one of the gaint of electric-appliance retail chain,Suning yunshang has started Allfinanz Layout since 2011 while faced with internal revolt and foreign invasion to find new capital operation. It has been transforming from traditional retail business to E-business. Banking traditional business and related financial business are important in supply chain for listed companies. It could reassure the enterprises regarding to capital security if they could achieve capital circulation through banking system. Obviously, Suning Bank is probably the safe capital chain that Suning Could Provider needs.From the aspect of its own strength, in terms of hardware,Suning possess total assets of 883.93 billion yuan,which already conforms to our country "domestic non-financial institutions launched" Chinese related conditions of the construction of commercial bank as an institutional investor.In addition,in terms of software,Suning has perfect industrial system and perfect corresponding upstream and downstream from the retail industry.So Suning has its superiority to open bank with both its hard and soft conditions.However, compared with traditional banks, power and experience of private banks marked by Suning Bank are limited. Therefore, before the spring of private bank, based on the integration of industry and finance theory, From saving the transaction cost, using internalization advantage and to seek synergies prepares for the Suning bank in theory the feasibility is discussed. At the same time from the external environment and Suning’s own hardware and software environment analysis of the realistic feasibility Meanwhile, by referencing problems that existed in establishing and operating of normal banks, it analyzed challenge that Suning Bank have to face.Finally, the thesis will discusse the future profit model of Suning Bank combining with its own enterprise environment,and future Suning bank can try to combine with the main use of electric business platform database to build a pure credit loan system.Meanwhile,it proposed constructive measures according to the risk of private banks so as to offer reference for other private enterprises to set up their private banks.