Center of banking of back Shanghai international, shanghai bank (SH.601229) it may be said held huge dominant position.
Recently, shanghai bank is released outstanding achievement reported 2018. Money newspaper shows, shanghai bank realized battalion to receive forty-three billion eight hundred and eighty-eight million yuan 2018, vest in appears on the market the net gain of company shareholder eighteen billion and thirty-four million yuan.
Banner of seven finance and economics plays discovery of center of Internet finance news, shanghai bank mentioned Internet finance 10 times in money newspaper, general benefit finance appears 16 times, consumed financial criterion to appear 24 times in money newspaper, financial science and technology also appeared 9 times, retail banking 10. On business of layout Internet banking, shanghai bank do one's best.
Comparative money newspaper looked 2017, internet finance is in Shanghai bank appeared 27 times in outstanding achievement report 2017, general benefit finance 6, consume finance 29 times, financial science and technology 19, retail banking 0. In light of the analysis, shanghai bank changed the content of Internet finance infirmly, and the content of finance of aggrandizement general benefit and retail banking.
Shang Cheng consumes finance to still pay a copy
2018, shanghai bank announces open " high-quality goods bank " the strategy new journey of the 3rd round of 3 years of programs, label business of will retail banking Chongzhongzhi to weigh, the service such as finance of focusing consumption finance, money management, provide for the aged and bank card. Inside report period, shanghai bank is retail the profit before financial business tax 4.237 billion yuan, business income ten billion six hundred and ninety-one million yuan.
To develop retail banking, shanghai bank still established Shang Cheng to consume finance in 6 years. Among them, shanghai bank invests amount to be 380 million yuan, hold a 38 % , for the biggest partner; OTA (online travel) platform carries Cheng to hold 37.5% , limited company of investment of letter of distant profit of Shenzhen city heart, without Xi Changying limited company of science and technology is held respectively 12.5% , 12% .
According to understanding of center of Internet finance news, finance of Shang Cheng consumption is approved at was being obtained in November 2016 prepare to construct, won batch of start business in August 2017, register capital to be 1 billion yuan, subordinate and only a product -- " sincere E borrows " . Information shows, shang Cheng consumed finance to just begin to send force 2017, loan extended to be in centrally 2017 in December.
Because be in newly established period, up to 2017 the end of the year, shang Cheng consumes financial loan remaining sum to be 407 million yuan, deficit 16 million yuan. And 2018, realize make up the deficits and get surpluses, net profit is twenty million four hundred and thirty-one thousand nine hundred yuan. As we have learned, level of this one gain exceeded the Hua Rong that outstanding achievement glides considerably to consume finance merely.
According to Shanghai bank outstanding achievement reported 2018, up to 2018 end, shang Cheng consumes financial loan remaining sum to be 6.507 billion yuan, user number is 3.05 million person. Make public information to show, on dimensions of loan remaining sum, finance of Shang Cheng consumption announces what money signed up for 2018 to hold a card to consume financial firm in 10 Yu Jiayi classics in, still be in lower level.
According to center of Internet finance news the report before this, up to by 2018, nimble letter consumes financial loan remaining sum to be eighty-nine billion eight hundred and thirty-five million yuan, remaining sum of loan of finance of the consumption that enrol couplet seventy-two billion and forteen million yuan, consume financial loan remaining sum to be thirty-eight billion nine hundred and fifty-three million yuan immediately, and remaining sum of loan of finance of the consumption that breath out silver is 7.034 billion yuan only, but system capacity also initiates the Shang Cheng that establish to consume finance in Shanghai bank over.
In fact, besides consume finance through Shang Cheng, shanghai bank still begins retail credit professional work through oneself. Money newspaper shows, 2018, loan of Shanghai bank individual and remaining sum of money advanced for sb to be paid back later (contain credit card) two hundred and seventy-six billion eight hundred and twenty-one million yuan, relatively on year end grows 59.05% . Among them, consumption borrows money (contain credit card) remaining sum is occupied than for 68.07% .
Retail banking like a raging fire
Current, shanghai bank its cent of main scope of operations is 5 much, include business of bank of wholesale banking business, retail banking business, investment, provide asset management and other banking service. Among them, retail banking is the idea that Shanghai bank advanced first 2018.
As we have learned, the retail banking that Shanghai bank indicates includes to offer Wu of a variety of financial product kimono to individual client, include an individual service of service of representative of service of service of loan, deposit, individual conduct financial transactions, remittance service, negotiable securities and bank card. In addition, shanghai bank returns aggrandizement information science and technology and Internet banking business.
This also is Shanghai bank 2017 money newspaper and the distinction that money signed up for 2018 are in. 2018, shanghai bank says, deepen science and technology to endow with can finance, internet banking business grows quickly continuously. Report period end, client of the individual on the line counts twenty million four hundred and ninety-nine thousand two hundred, relatively on year end grows 59.33% , active client counts year four million four hundred and thirty-nine thousand one hundred.
Data shows, shanghai bank Internet deposited money 2018 remaining sum twelve billion one hundred and ninety-six million yuan, internet consumes loan remaining sum one hundred and nine billion five hundred and nineteen million yuan, internet business accumulative total trades the pen counts two hundred and four million seven hundred and forty-six thousand eight hundred, internet business trades amount one thousand two hundred and nine billion nine hundred and thirty-one million yuan,
The field is developed in the product, shanghai bank rolls out silver-colored couplet to borrow write down, electric business makes the same score supermarket of the management of fund of Taiwan businessman door, online bail that buy a house, online conduct financial transactions, express to borrow 5 kinds of products and service, with close a hunderd schools high grade tripartite pays orgnaization and fund company to build pay settle accounts collaboration, go up line supermarket of online conduct financial transactions, still roll out completely online individual to consume loan business " the express is borrowed " .
In setting respect, shanghai bank electron blocks shift jointly to pay (EPay) to consumption kind, consumptive finance kind setting output, line cloud shines on pay wait for 17 platform; To the setting platform output that has property of conduct financial transactions supermarket of online conduct financial transactions serves, go up 15 platform such as finance of line China telegraphic orange; Build banking of area of a travel, education, community, garden to serve platform, roll out sweep an APP that take a car (wisdom Song Jiang) , cost of pay of electronic repast card, online cloud.
Walk thunder and step on hole to run paralell
As a bank that is brave in to innovate, shanghai bank besides business of integrated and retail banking, outside refining business system, returned deepness to cut wholesale banking business. Among them, mandatory it is an all in all component. 2017, shanghai silver-colored behavior pays the orgnaization, client such as electric business platform, offer pay supervise, pay orgnaization equipment the service such as Fu Jincun canal.
And 2018, shanghai bank was expunged " pay business of orgnaization, cable platform " wait for model of written characters, by " the fund that hold a card is sold / pay settle accounts the orgnaization " replace. In fact, second dispatch makes clear Central Bank Ceng Duo, want to will pay an orgnaization to have Fu Jin puts a valve centrally, cancel the others in the commercial bank clearly to pay gold account fully.
Nevertheless, in lose this one cake while, bank people also seeking new business breakthrough, internet finance platform puts a valve / mandatory also be regarded to be the domain that can extend together. With exemple of Shanghai silver-colored behavior, data shows its borrow platform to sign capital to put tubal agreement with 70 nets at most, include to light fuse among them, beautiful fruit finance.
2018 the beginning of the year, media coverage says, shanghai bank is checking the P2P net that signs agreement of the cooperation that put a valve to borrow platform, already had partial platform because of disagreement compasses " get offline " . The flow of Shanghai bank is, once discover problem of compasses of platform existence disagreement,be in in check out procedure, perhaps fail to fulfil the acceptance in the agreement and obligation, communicate go ahead of the rest and platform undertake rectifying and reform.
And 2018 in year, the message that comes from much home platform says, shanghai bank plans to exit capital to keep tubal market thoroughly. But Shanghai bank respect expresses, nonexistent Shanghai bank quits belong to the same organization of the business that put a valve completely, maintain the P2P that waits for a requirement to according with its to join compasses aptitude and venture, this guild continues to cooperate with its.
In this process, shanghai bank is in already cut market limits. On April 22, 2019, shanghai bank customer service confirms to center of Internet finance news, the net that still should continue to cooperate all right borrows platform few, most platform agreement already was stopped, the system already also got offline.
Cooperate to getting offline list, shanghai bank respect expresses that he cannot be offerred, say to need to tell platform name only, just can inquire whether to suspend cooperating. Center of news of classics Internet finance is checked, shanghai bank already with rice crock finance, stone projects finance, geometrical finance, constant Cheng gold is taken wait for platform to suspend cooperating.
As we have learned, shanghai bank already put tubal evaluation at passing the bank financing of association of Chinese Internet banking on November 2, 2018. Nevertheless, up to now, 10 Shanghai bank banks that pass evaluation still were not in China capital of exposure of platform of service of the exposure of finance of Internet of Internet banking association that register stores tubal collaboration detailed information.
In fact, shanghai bank Ceng Shen is spent step on network of Home Lei Duo to borrow platform, include beautiful fruit among them finance, be in harmony and borrow, finance of big bumper harvest, medium vessel country is taken, afforest is borrowed wait with silver-colored ticket net. Among them, because be suspected of collecting money illegally to be investigated by police put on record,much home network borrows platform. In addition, shanghai bank ever still was runninged by a 35 billion yuan illicit collect distance record affects. (civil / Zhang Jun)
