Close half the number civilian battalion bank " grab chip " consumptive finance

As the outbreak that consumes financial industry, consumer credit business also is become numerous one of key layout direction of civilian battalion bank.

The reporter notices, up to now, in all bank of 17 civilian battalion is obtained batch prepare to construct, revitalize bank and Anhui to bring a bank newly except Liaoning not practice, other 15 all already practice. According to relevant data statistic, in bank of 5 of first practice civilian battalion, 3 roll out individual credit product. In bank of 10 of follow-up practice civilian battalion, also 4 rolled out individual credit product.

Why numerous does civilian battalion bank happen to coincide does the ground march consumptive finance? In this one domain, does civilian battalion bank have He You power? Prospective foreground how?

Natural advantage

Compare at doing poineering work model financial orgnaization, civilian battalion bank has advantaged advantage in consumptive finance domain.

Money is accepting tall Guan Mozhong of company of science and technology of Shanghai some finance " international finance signs up for " the analysis when the reporter is interviewed, "Above all, the bank regards the finance that hold a card as the orgnaization, on crucial finance data, information get ability to highlight. Because they can join the Central Bank imposes letter system, inquire the Central Bank asks for letter information and feedback to collect letter information directly. Next, relative to at other industry character, the capital cost of the bank is very low, its profit space is so larger. The 3rd, the cost winning a customer of orgnaization of the finance that hold a card is inferior, and client aptitude is better, its are so bad Zhang rate also is met inferior. Its are so bad Zhang rate also is met inferior..

With exemple of small numerous silver-colored action, two years from gigantic arrive fortunately gigantic earn, what small numerous bank leans is individual credit business. According to small numerous bank eaves of square shake of retail credit chief inspector introduces, up to on May 15, 2017, "Particle is borrowed " the line on the product two years, accumulative total extends loan total amount 360 billion yuan, total pen counts 44 million, pen all loan 8200 yuan, model of highest loan sundial 2 billion yuan, pen of highest day loan counts 200 thousand.

Fang Zhenyu is right " international finance newspaper " the reporter points out, will look at present, the main profit of small numerous bank originates loan business. Up to 2016 end, fraction defective is only 0.32% . In light of whole, as the addition of dimensions, fraction defective changes somewhat, but whole still far under the industry average level.

This just serves as common the advantage of civilian battalion bank, at present many Internet tycoons already were entered in succession halt. For instance, tecent is the large stockholder of small numerous bank; Backside of Lin Yilian bank is 4.5 million collaboration that beautiful group comments on business door and 600 million user; The backside of Su Ning bank of new start business also has whole Su Ning to fasten resource to be able to be offerred use; The largest stockholder of network merchant bank is taken for ant gold, hold for 30% .

"Add the civilian battalion bank that note to be able to be used as Internet tycoon ' containing golden key one's previous experience ' will describe. They besides have the special advantage that regards the finance that hold a card as the orgnaization, it is in gene of big data, Internet this is occupied more sufficient cheap. Regard Internet as the tycoon ' inside the system ' financial orgnaization, relatively at traditional banking orgnaization and other setting civilian battalion bank has stronger data processing capacity. " 10 thousand faithful money express.

Take advantage of an opportunity and for

Besides natural advantage, march consumptive finance, also be take advantage of an opportunity and for.

Zhang Tian of administrator of middle-level of some civilian battalion bank a pair " international finance signs up for " the reporter says frankly, in fact, civilian battalion bank is grabbed eat consumptive finance big cake, because the country supports,be on one hand, also be to hope to change competition to fight a way of a blood through difference on the other hand.

"Orgnaization of the finance that hold a card is the a bit most crucial closing legally at need compasses manage, take a fancy to the oriented sex action of policy. We think, develop general benefit banking energetically at present, in be, low income crowd offers the finance inside reasonable range to serve the direction that is national support, this is right ' financial game ' the successor is a very important guiding direction. " Zhang Tian says.

He also thinks, mortgage loan already belonged to small profits business in whole bank business at present, and many in the price system that bank of large city merchant and state-owned bank already were having special maturity in this one business and particular market are had rate, may not of civilian battalion bank can take petty gain on these business. So, to us character, the mortgage loan business that wants to seek the rise of business system capacity to cannot rely on a tradition again. Consuming what finance faces is China have not develop completely, but the user of the 300 million above that has latent capacity extremely again.

Nevertheless, zhang Tian points out, with other industry, civilian battalion bank also looks " dad " .

"We regard what do not have Internet gene as civilian battalion bank, also know the insufficient place of oneself. For instance, partner is industrial one's previous experience, not clear to the commercial pattern of financial industry; Administrator is state-owned bank or one's previous experience of large finance orgnaization, to the fixed position of the bank development train of thought has certain limitation, radical without Internet company to the attempt of burgeoning thing; relatively at other finance orgnaization, talent reserve also is inferior to the congener bank that have powerful connections. " Zhang Tian emphasizes, nevertheless, but beginning consumptive finance professional work is current the consensus inside the industry, no matter be,look from the angle that still exhibits property to hold gain, this business is to be done surely cannot.

Foreground but period

Besides the part civilian battalion bank still is existing the circumstance of miscellaneous of structure of personnel of traditional banking orgnaization, 10 thousand faithful money think, many civilian battalion banks have the license plate advantage of traditional banking orgnaization not only, have more concise, efficient work way and convenient user experience at the same time, before place Jing Ke period.

10 thousand faithful money emphasize, if civilian battalion bank is developing develop,financial science and technology combines in the process of new business mode at present acquired technology achievement, very hopeful enter in future give a new scope of operation.

Current, already many civilian battalion banks are making the attempt that extends new business pattern.

Fang Zhenyu discloses to the reporter, small numerous bank " small line of business is borrowed " business is in the test, predicting hopeful is rolled out inside year. In basically going up for the line, small small company provides this professional work loan of the circulating fund on the line serves, first client is confined to Guangdong area suffer solicit a client.

He explains further, client of small numerous bank divides into two parts: It is individual client; 2 it is small small company. Individual client has consumptive sex demand, also can have management sex demand. Small numerous bank has a product in, the consumptive sex demand that what do mainly at present is service individual client. Small line of business is borrowed is the management sex demand that small numerous bank will begin to try to serve individual client, can use " particle is borrowed " do slowly outspread, but the new pattern that also beginning to explore small company financing.

Fang Zhenyu is mentioned, "Person face identifies, the biology such as voice print identifying identifies technology and robot (300024, examine) the innovation technology such as customer service will be increasing apply at real business setting. For example, we apply biology identifying technology and video identity test and verify the client to the identity identifies and turn over con setting. We apply biology identifying technology and video identity test and verify the client to the identity identifies and turn over con setting..