This is like be born with the root, is photograph refus He Tai urgent? P2P regards finance as the new Jin Xiaodi of all corners of the country, be on terms of intimacy of bank elder brother follows on bright face, but did not think of, privately elder brother still took proper limits for speech or action, did not admit this successor that grabs limelight completely it seems that. The backside of a bagatelle, may be what go regular cause trouble? A what industry to refract to develop new structure again?
The home that the net borrowed on May 29 explodes piece, in Mr Wang that platform of a P2P goes to work, stem from a few about money demand in the life, be radiant with happiness the ground is walked into " friendly business " the site below the line of the bank, he wants to handle a piece of credit card.
However, after bar girl searchs the individual file that written worker worker makes carefully and nearly, said a word that makes Mr Wang instant cold in June: I am sorry, stem from your working setting, we cannot handle credit card to you.
Mr Wang compose oneself, begin from card: The trouble looks clear, my credit record is good all the time, rule of month in and month out of salary running water, not only before record without loan, pay forehead spends accumulation fund to also approach upper limit. You handle card to me, this thing fair and reasonable.
Want to be less than, bar girl is calmer: You are P2P company, it is finance company, it is tall danger industry. Do not handle card to you, this thing fair and reasonable.
Mr Wang then silent, leave a bank. The trade that him body handles already was changed by label, already was put to the bank " distain chain " , below this kind of circumstance, expending talking around again also is infructuous. Nevertheless, so hot weather runninged to the bank to eat to shut door a thick soup however, mr Wang is a bit angry, told some newspaper the reporter this matter then, the experience that lets oneself is well-known.
Actually, who does this thing put aside to be enraged. My department leader was returned yesterday and you are in charge of high all right hand in hand, have one's moment blanket, capital puts canal, technology to share, data each other is connected... it may be said is sent auspicious ah. Can not become want, privately you are explained with bottom servent however, do not have a thing not to play with me.
Is the reservation of private kind and enmity conveyed?
We all know, before P2P did not appear, bank almost skill forestall is whole financial industry, profit is very fat tender. Among them important suction golden gimmick, have these two; It is to use numerous people extremely low interest rate puts the money that take, just extend to the enterprise the loan of higher interest rate, light light Song Song earns benefit to differ. 2 it is to pass all sorts of poundage, advisory cost, settle accounts cost, realize intermediate business income, have a plenty of let people open one's purse, some is the financial company foot a bill that product need bank sells goods on a commission basis, also be a work that standing to make money.
Original, years is static good, one clique is auspicious; We know, once went to a bank working, but lofty go up the thing close to bring honour to one's ancestors, the boy that hears of whose home goes to work in the bank, grabbing him girl to marry him.
But be done not have,think, this great suction golden times, was smashed by a certain successor.
According to the data of Mai Ken stannum, the profit of banking is added fast 36.34% from 2011, acute is decreased 2.43% 2015, it is bluff class drops simply! After profit steeps fall, immediately afterwards silver-colored inspect will be confused god, before long hind go up namely system of line deposit insurance, roll out a bank to go bankrupt byelaw. The people also follows muddled, what? This year, exist money is the bank insecure? Does the bank that there is golden hill silver-colored mountain in storehouse also begin to be allowed to go bankrupt by the country and closed down? Yes, it happened.
And this one period that the bank has an accident, just be the Internet finance that gives priority to with P2P cruel growth period. Basis " Chinese investor happiness felt 2018 findings report " show, crowd of Internet finance investment is occupied than be as high as 70.51% , and crowd of investment of bank conduct financial transactions is occupied than 46.53% . Yes, numerous people does not like to go below the line the site queues up to cost, do not like to manage a money return the doorsill of 180 thousand, do not like to wander in 3% right-and-left yield all the year round then especially. Then, a large number of deposit are taken out from the exchequer of the bank ceaselessly, turn and flow to platform of all sorts of each other gold.
Money was done not have, the person also came loose, that can cut line issues net check the number, can ceaseless depletion of numbers cuts down the member of persons employed. Once every day bustling bank disappeared, once the bank work that everybody admires cannot make two money, explode nearly two years again and again even give bank tall canal to find new job go P2P platform, yearly salary instant goes up a news of hundred thousands of... probably, liang Zi has begun knot from here.
And, return a bit more compensatorily. Everybody should remember once the clause of Xiang Yu the Conqueror of the bank, top news passes on each almost. After buying a thing in installment for instance, ahead of schedule reimbursement does not retreat 1 minute of poundage; Cash is nodded clear face to face, do not be in charge of without exception from ark; Cross turn all right Zhang was not illuminated successfully receive poundage; Credit card returned money more, resumptive still collect fees... can see, once bank in order to set the pattern of clause of Xiang Yu the Conqueror, draw profit from square field surface. But, platform of a lot of P2P rolls out in installment business is to encourage shift to an earlier date reimbursement returns poundage, carry nowadays show a lot of platform to already also collected fees no longer, and the period pays in the shift of instantly, ground of different of basic and very few need is crossed take money all right. Can say, as the development of Internet finance, solved user of a lot of traditional banking to experience the pain spot that go up.
So, more the thing happening that Bei urges, oneself are rectified by P2P so miserable, other people applauds however ceaseless. A variety of industry sound are in voice a theme: Internet finance pounded elder brother bank really, but this kind of concussion can be filled wisdom, it is benign, active. Without the popular feeling of gentle, forestall of little younger brother of the later han dynasty, the unbridled of elder brother from why convergent? Especially the small small company of domains of those innovation of science and technology, more everyday " be apt to be apt to " , want to lend money from the bank before, 1000 difficult all difficulties, the bank follows mutually beneficial of collaboration of state-owend enterprise, big look forward to only almost, form core profit source. Can have nowadays give aid to the P2P of small small company, can you make person fast how?
So summary looks, the ceaseless development of P2P, it is the interest source that cut sorted a bank, 2 it is to let countless banks employee lose iron rice bowl-a secure job, 3 was to doing so much " broken " after the event, still won popular feeling.
So, if you are a bank, p2P little younger brother looks for you to want money flower today, and still lie between lunar settle accounts, how do you say?
"You are so arrogant, yourself issues credit card. Yourself issues credit card..
Of course, the P2P platform that performs again and again in last few years runs road incident, let whole industry cheat be ashamed really. But that is past type already, below present strong superintendency environment, never mention it run, it is difficult to want to enter the court. The P2P platform with a so good operation, behoove ought not to by so flat and agile rejection.
Why be P2P employee goes a bank handling credit card, is bank employee go does P2P borrow money?
Yes, your P2P advances triumphantly all the way, pattern 100, it is to be denounced the audience is completely more hall colour.
Can be feel sorry, I just am boss of the operatic circle.
Be in at least today, the quality of national credit data and amount, still be bank standard is made. A lot of people or hope handle piece of credit card, through gathering credit data ceaselessly, will buy a car henceforth for oneself, buy a house, do poineering work the loan that waits for a respect prepares. Although P2P platform also has a few a few to offer this to plant 1 million, ten million class borrow, but stem from the risk considers and lack sign a letter this ferule, its loan interest rate also relatively bank tower above is very much (strong touch bad assets) . P2P platform is more dedicated at resolving small and high frequency loan demand, and square to accepting a business big loan. So, at least at present nonexistent bank employee insinuates the circumstance of P2P.
But, come as nearly 10 years the ceaseless development of P2P platform, and the gradational ode of computation of big data, cloud, artificial intelligence can, platform of high grade P2P accuses a respect to already had more mature solution in wind, the chasten atmosphere that publishs policy to hit Laolai plus the country is grumous, the service that P2P platform provides kind of credit card can expect.
The backside of minor minor incident, it is the prelude that industry happening changes
The circumstance is so circumstance. Internet finance technology is powerful, traditional banking is accumulated strong, so, strong strong the subject that becomes the second half together.
This kind strong strong together, have mark from bilateral action but abide. It is bank one party above all, in in last few years the invite applications for a job of the bank can discover on the meeting, appeared a lot of new post, for instance stylist of engineer of manager of new media chief inspector, product, Java, UI... we do not talk about this to whether count a kind of compromise to Internet tide, develop from people interest and industry at least and character, elder brother already was the first reform, adjusting ceaselessly run means and service content, gave the operation to promote finance efficiency. This explains, the traditional banking that the bank heads needs new technology to support undoubtedly.
And meanwhile, industry of each other gold also is in great change. Below strong superintendency background, the company of financial science and technology of the head begins to appeal to beg " go finance is changed " , emphasize science and technology endowing with can financial orgnaization, among them company of science and technology of BATJ department finance already was the first start of a race. It is in other words, stem from advantages of pair of oneself technology gene think, it is better that we have purer kind goes making a trade, accomplish oneself. Let science and technology put in science and technology 's charge namely, let finance put in finance 's charge.
The company of financial science and technology after transition, also can produce change on income structure, in pay receive, the respect such as technical service will create big head profit undoubtedly, the income of financial business probably will ceaseless constrictive.
The near future, already BATJ fastens platform to make known one's position, will push finance to change, and gift the technology not only traditional banking industry, opener give gold of high grade each other platform.
We can expect, as company of head banking science and technology be the first transition, endow with for financial industry can, will driving a tradition while finance links a times, health of platform of gold of stimulative each other develops, be in soon, p2P employee goes a bank handling credit card, will need not bear credit crisis again.
