Ali'S Business Trip To TMC Battlefield Faces Challenges

The development path of Ali business travel has been very clear, but TMC is still a very traditional industry. Although the undercurrent of change is surging, Ali's business trip to the TMC battlefield is still facing challenges.

Perhaps, Ali's business trip still has a long way to go on the road to TMC, let alone many enterprises are covying for this piece of fat.

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In the course of business trip, using Ali business travel to make a car can realize online automatic enterprise payment, but in the actual management of enterprises, because of the reasons of financial and tax management system and so on, under the condition that electronic invoice is not yet popular, paper invoice is still an important means of financial management, and the financial approval process is still the most difficult to overcome in enterprise management.

"Travel can be standardized, but the system needs to be refined. Because every company has different systems, different levels of requirements for travel management are different. For example, staying at hotels, at the very beginning, 2 people are on a business trip. Later, plus one person, it involves a single room problem, the price of the air ticket hotel is different, and the standard of the first two people is different. How can we calculate the temporary quantity?" Axin, a business travel company (a pseudonym), believes that the initial stage of running the business system of Ali business is likely to solve these problems.

But the business travel service is not personal, and there are many influential factors.

Slow travel CEO Zheng Qijun to TBO analysis: "platform to intermediate, less suppliers, the price will be more favorable, but many of the original procurement enterprise settlement cycle is a few months, Ali business travel for a month's account, whether the enterprise to pay the bill is not known, which touches a lot of stakeholders."

In addition, although on the personal consumption side, Ali has established a perfect credit and wind control system through Alipay, big data and sesame credit, and has developed credit consumer services such as Hua Bai, borrowing, credit payment and so on.

But in the face of millions of business users, Ali business travel in a short time, I am afraid, can not be quickly covered.

Ctrip business began to seek cooperation from the end of last year.

For example, we work with the global travel and cost management company Concur to connect the system, get the entrance of the mobile office application cloud home, and cooperate with the enterprise expense and reimbursement management platform, such as reimbursement, easy to express and so on.

According to Ctrip's earnings report, the company's travel income in 2016 was 608 million yuan, an increase of 29% over the same period last year, and the company's travel income accounted for 3% of total revenue in 2016.

Ctrip CEO Sun Jie disclosed that at present, Ctrip's business travel business is serving more than 8 million users of more than 6000 large enterprises and 16000 SMEs in the world.

Thus, Ctrip did not give up the idea of SMEs.

But the credit system and financial system built by Alibaba for many years may help Ali business break.

Unlike a large travel service company, it is necessary to charge a higher fee. Alibaba business travel currently waived the basic service charge, and at the same time, it can provide monthly credit for good credit enterprises, so that enterprises can "travel first and then pay the bill".

"Only large invoices, qualified business travel companies have been able to achieve, but the original need to pay cash through credit sale is the fundamental solution."

Hu Jingming, director of the Asia Pacific business travel brand, said that this will help reduce the financial pressure of small and medium-sized enterprises and allow more liquidity to be used for business.

This seems to be the same.

Killer.

Xu Qinglun said Ali business travel is doing business on credit sale.

That is to say, Ali business travel can help small businesses advance to the airline division to pay the air fare, resulting in the funding gap can be solved through the Internet Bank of ants and gold clothing.

In this regard, the industry investors mountain (alias) to explain to TBO: for example, 100 enterprises, each family to 100 thousand yuan credit line, theoretically needs 10 million yuan, but actually every enterprise does not necessarily use this amount.

In addition, there is a sequential order for the use of funds. In fact, it does not need to have 10 million yuan in the account. It may only cost 8 million yuan to make the payment.

Alibaba business will further charge 10 million yuan of accounts receivable to the network business bank in factoring mode, but the bank should consider factors such as cost, bad debt loss and so on, generally only 8 million yuan for Ali business trip.

Then, Ali business trip can also take 8 million yuan to sell on credit, to 80 other enterprises.

The enterprises in front are paying money to Ali business, and this process can be sold on credit.

As long as we have debts on hand, we can make factoring to the banks.

"We are doing business travel service industry, clearing is an important function point, business credit sale is business scenario commercial credit, different from financial credit, but relying on the financial system to do the underlying support, business credit should be judged by business logic, the core value of business travel is in service."

Xu Qinglun said.

But business credit is bound to be involved.

And so on, how does Ali's business travel do well in risk management and credit evaluation?

Xu Qinglun disclosed that to achieve business credit for enterprises is actually relying on the two financial departments behind the Ali business travel: big brother: the enterprise of sesame gold and the Bank of the Internet.

The logic of business paction and credit granting is established through the settlement ability of network business banks and Alipay, combined with the credit score of sesame credit.

"Enterprise grade sesame credit will be linked to SAIC, court information network, blacklist library, etc., to make use of the function of big data and do commercial analysis. In relative terms, it is more extensive than financial risk modeling."

Xu Qinglun said, "we can get publicly available data and enterprise authorized data, and judge the commercial credit image.

If there is negative information in the later period, such as the company or the legal person is prosecuted, we will suspend the monthly knot, let the company present the ticket or stop the ticket. "

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