Origin caption: Sell a bank continuously " be filled with fortune more " Qing Panqi is shown collection look for exact location to avoid " branch road " subsidiary is made carry urgently fast
Head of berth of city of Heibei dark blue sells a bank continuously below division of farming letter company " be filled with fortune more " announced clear recently dish exit, this also is current inside course of study first sell a bank continuously as a result of what the product adds up to compasses problem to be made stop. From this, developed several years in home not lukewarm however not of fire sell banking Wu to be introduced to continuously where the wind and the waves are highest.
The personage inside banking points out, in digitlization tide falls, commercial bank layout sells bank domain to be hasten of general trends place continuously, but have not seek accurate development fixed position at present, future still needs strengthen wind to accuse, level of promotion science and technology, seek accords with the poor dissimilation with oriented policy to expand fixed position, mix finally with financial general benefit direction of development of fill finance blank agrees. Meanwhile, at present our country has not publish those who be aimed at business of the bank on pure Internet, pure line to superintend measure, superintend short board also fill urgently on.
Sell a hunderd schools of bank even more continuously
Sell bank traceable continuously Euramerican, already made the component with Euramerican main money market at present, its already were occupied in Euramerican market share make an appointment with 8%-10% , and scale still is expanding ceaselessly. It is with the United States exemple, from 2010 since, the United States sells a bank to occupy American commercial bank to absorb the proportion year after year of deposit dimensions to rise continuously.
Sign up for a reporter according to Chinese negotiable securities not complete count, up to now, our country sells a bank to already broke through a hunderd schools continuously. Among them, by in letter bank and the 100 letters bank that Baidu company starts jointly are course of study inside first, also be current exclusive one catchs approved independent legal person of the form sell a bank continuously.
Occupy association of trade of Bank of China additionally to release " China sold bank evaluation and innovation analysis report continuously 2017 " statistic, up to in August 2017 end, the bank that home creates independence to sell bank APP to apply continuously adds up to 105, small bank is main force in. City commercial firm, farming commercial firm / 88.6% what farming letter company holds sum total, performance of city commercial firm is most positive, in all the line on 63 cities commercial firm sells bank APP continuously. Two foreign capital establish independence to sell bank APP continuously all right, garrison sell bank field continuously, and more and more foreign capital are entering Chinese market in active exploration all right. Sell a bank to already produced fair trade force continuously, witting rate is as high as the user 80.7% , its use a multitude in, user answer is bought rate for 60.1% .
Much home of try out of reporter of newspaper of Chinese negotiable securities sells the discovery after bank APP continuously, the product that most bank rolls out manages with cash kind give priority to, loan and product of bank conduct financial transactions hold the mainstream. Cash manages deposit of fund of kind of money of product much butt joint, intelligence and bank deposit kind product; Borrow money kind of product give priority to in order to provide entry of the application on the line, need the examine and verify below the line more; Bank conduct financial transactions is the product of conduct financial transactions that the commercial bank distributes; Fund basically is the bond that the bank sells goods on a commission basis kind, rights and interests kind fund; Precious metal product basically is two kinds: Gold objective product and gold invest a product; Insurance product is more produce danger, danger of if domestic worth is integrated safe, car; Other banking product includes insurance economy, kind P2P product; Financial service basically serves to pay, include cost of pay of credit card reimbursement, life to pay, consumption pays etc; Life service lives daily around the user, include medical treatment service, 5 a place difficult of access service of one gold inquiry, car.
Transition path is tortuous
Although sell the amount of the bank continuously growth is rapid, but sell a bank continuously this one " exotic " the development difficult speech in home is great, amount to market phase ratio to be apart from with Euramerican hair still bigger. Ai Rui seeks advice think, at present home sells bank function continuously less, outside the basic function such as reimbursement of eliminate credit card, conduct financial transactions, the other product of each bank reachs what the service has not acquire more extensive user to approbate. Because supportive service is less,sell a bank continuously, those who face platform of finance of other omnibus Internet is emulative not tall, this also is why to sell a bank to grow slow main reason in home continuously.
Because,be probably to development transition method confused, just let partial bank be immersed in " wrong road " , even lay a finger on the domain of compasses of a few disagreement: Undertake on existing mode for instance again " innovation " , perhaps build cast financing platform, go up line P2P product.
Berth head sells a bank continuously below division of farming letter company " be filled with fortune more " before announcement says, because superintend policy to call the account that stop, be filled with fortune to sell bank platform to must quit relevant professional work continuously more, platform will be carried out benign exit. According to its the website shows, be filled with fortune to sell a bank to have continuously more " cast regularly " and " intelligence is cast " two kinds of products, "Cast regularly " the those representing capital of be in harmony that capital uses at lend to give loan the project; "Intelligence is cast " the silver-colored ticket that the capital invest in of the project is filled with fortune concentration via how kind, the car mortgages kind, supply catenary finance kind wait for a project.
The personage inside course of study signs up for reporter speak bluntly to Chinese negotiable securities: "This kind of behavior also is compared in the controversy inside course of study big, somebody considers as business innovation, also somebody thinks this is to be in superintendency gray region.
And the personage inside partial course of study's afraid secret worry is in progressively " cash " . With all possible means the message confirms, experience is clear dish berth head farming letter company " be filled with fortune more " sell a bank to be superintended continuously the branch makes stop,
"If not be so a farce, be afraid somebody of very few meeting notices company of couplet of credence of country of berth head city. Banking finance orgnaization must cherish him ' feather ' , cannot wrap outside optional ground. " academy of in relief finance is weighed in Chinese people university senior researcher Dong Ximiao looks, the bank is based on oneself strategy, strengthen cooperating with Internet company is necessary, for instance Zhejiang saves company of farming letter couplet and collaboration of Tecent group strategy. But the banking finance orgnaization that an any standards manage also won't not answer a business direct outside the bag gives exterior platform, this is fault of a kind of credence matchs.
Chinese negotiable securities signs up for a reporter to sell the discovery when bank APP continuously in try out part, sell bank product not less continuously, respect and certain P2P product wait in product structure, deadline very similar.
Dong Ximiao suggests, should strengthen what sell a bank to add up to compasses sex continuously to examine, raise taller requirement to the admittance of the product, and undertake to the client complete information is announced. He says: "Superintending those who get on next accord to should hold the line on the line to selling a bank continuously to superintend a principle, because be loosened on the line,won't superintend. Because be loosened on the line,won't superintend..
Subsidiary is made carry urgently fast
The personage inside course of study expresses, anyhow, review an international market, development sells a bank continuously is hasten of general trends place. Management board of Hong Kong banking edited a few days ago and released formally " of fictitious bank approbate how-to " (abbreviation " how-to " ) , encourage more to the capital actual strength, orgnaization that has financial capacity is participated in. These orgnaizations can increase the strength that finance innovates, offer more products.
The personage inside a few banking points out, place of Hong Kong market says " fictitious bank " with inland sell height of banking Wu mode continuously duplicate. Senior researcher Zhao Yarui expresses research center of traffic bank banking, fictitious bank has cost the 3 large dominant positions such as convenient and inferior, agile, product and service innovation, together with is Euramerican the development mode with be had relatively mature in Internet finance side with Hong Kong market and relatively perfect inspect body are, because this future ought to have better development prospect.
Notable is, what in Hong Kong gold tubal bureau releases is how-to in, fictitious bank and traditional bank are used same cover superintendency regulation, capital requirement is as identical as traditional bank also. Because of,partial provision is met the commercial pattern of fictitious bank, it is according to the risk this, the principle with indifferent science and technology is made adjust, if the likelihood asks,Dong Gao inspect has knowledge of science and technology to wait. Will extend to eligible fictitious bank applicant license plate, but its superintend a regulation even stricter than traditional bank, when for instance application is established, be about to have future " do not maintain " the market when quits a plan.
Dong Ximiao points out, although partial bank passes sheet to set,sell bank branch to perhaps establish department of trade of the straight act that sell silver to wait for means continuously currently, alleviate hard sell bank independence inadequacy, competition ability to wait not by force continuously short board. He proposes talk: "Want to solve afore-mentioned problems truly, implementation sells a bank continuously 2 edition transition upgrades, drive pattern of this one innovation fast good progress, a crucial step depends on carrying out sell bank subsidiary to make reform continuously, establish sell bank subsidiary continuously. Through administering system, business government to selling bank company continuously system, product serves systematic zephyr danger the serious check of hierarchy of control and innovation, rise to sell a bank to counterpoise in the independent character of bank group interior and speech continuously, what implementation sells banking Wu and business of commercial bank tradition continuously is measurable and detached, make sell a bank to return to essence continuously thereby, manage independently, accelerate development. Accelerate development..
"Our country bank is in prevent development is accelerated below the circumstance that controls a venture, provide the financial service with more convenient and quick, excellent more for consumer. Superintendency branch is right sell a bank continuously (independent legal person) of license plate extend relatively careful, should encourage those who have actual strength, normal financial orgnaization tries more, encourage drive out with fine money bad money. " Dong Ximiao expresses, sell bank subsidiary continuously through establishing, in sell continuously administrative segregation, business segregation, fame segregation, personnel segregation, information segregation comes true between bank and bank parent company, conduce to already sell a bank to innovate bold trial and error, actively continuously, also conduce to banking dovish manage, maintain financial system stability.
Realize business transition truly to how adding up to compasses premise to fall, zhao Yarui suggests, because sell a bank to rely on platform of financial science and technology continuously, the application of the information science and technology such as catenary of because this is current cloud computation, big data, artificial intelligence, area piece will from go up at all the change sells bank operation pattern continuously, promote a service efficiency and standard, reduce service cost. On operation mode, the independent legal person that draws lessons from foreign maturity runs mode, home sells bank future to ought to wait for a respect to emphasize the development mode with distinctive oneself more in client, product, channel continuously. In cause client respect, ought to platform of science and technology of finance of have the aid of, aggrandizement adds the increment customer such as young client group.
Association of trade of Bank of China is in " China sold bank evaluation and innovation analysis report continuously 2017 " in proposal, in selling a bank to develop in business continuously, II of make the best use of kind electronic account expands burgeoning business, will " safe feeling " put in the first place, ensure user account and capital are safe while, make joint-stock source further, strengthen the cooperation crossing a boundary with Internet enterprise, with producing the financial brand effect that sells a bank continuously better. What wait for account, consumer credit, money management product and service system and user further is high frequency second, setting of tall stickiness consumption undertakes combinative, change setting is the entrance, begin complete financial life service. Widen actively the channel that win a customer, accumulate an user.
