Undeniable, as in recent years the development of Internet finance, increasing bank began to quicken the pace that financial product innovates, for instance the farmer loan previously needs both sides of husband and wife and security to deal with formalities to the site, move nowadays move finger to be able to come true in mobile phone bank directly, it is farmer not only managing time cost, also improved the efficiency that bank loan runs.
But, aught has two sides sex, although financial innovation pace is fast, possible also " suffer a setback " .
For instance the heat on the net discusses recently " betrothal gifts is borrowed " product, this product call it by a good name of " betrothal gifts is borrowed " , it is product of the credit on the line of some commercial bank actually, loan amount is highest for 300 thousand, loan year change interest rate minimum for 6.3% , loan time limit is a year, have " material leads tall, operation simply, successfully convenient " wait for a characteristic, basically face bank room to borrow kind of client, credit card client to wait.
On the whole, do not have different with the credit of other bank, nevertheless, be united in wedlock when bank product and social heat photograph, " innovation " the product was born.
But had turned round to come, does such product make innovate really? Is this kind of product in to the meaning of society and financial consumer?
Above all, financial innovation should be jumping-off place with people's demand.Although the bank is the enterprise of profitability, but also be progress of service substance economy substantially, the service industry of be worthy of the name, to the bank, if why be a center with people, development goes to be able to satisfy people requirement already, the product that also can make contribution to the society just is " good sense " .
But this " betrothal gifts is borrowed " , it is loiter merely apparently heat topic, product itself does not have window, be without hyperbole ground to say, oneself think how other bank changes a name, whats can roll out " dotal borrow " " one's deceased father grind borrow " the product of and so on.
That what is just the product that is based on people demand? For instance " aid course of study to borrow " " aid learn to borrow " " cure is protected borrow " etc, be aimed at specific crowd, and the ideal that can help their him implementation, career, job, school work, utility closes plan is legal, can produce remarkable social beneficial result.
Next, finance innovates not to answer for " rich person eyeball " .When the placard of this product is rolled out, oneself observed its loan utility carefully still, write above: Loan fund can use as 4 big utility, include newly-married journey, buy a car, buy jewelry, buy home appliance. Conspicuous place still has placard " betrothal gifts borrows: Betrothal gifts pays expenses need not anxious, ' borrow ' come firm quietly is happy " wait for propagandist catchphrase. To this, not only the voice that the netizen raised to oppugn, the media such as xinhua net also made a comment:
Betrothal gifts itself because all sorts of folkway are old the problem of common and suffer bad-mouth repeatedly, more or less to jubilate because the fate brings lovers together is born in this kind of Qian Erxi complain, a variety of life gut were not carried more, everybody is done not have in most propbably of nearsightedness frequency platform scarce. "Betrothal gifts is borrowed " this kind of plaything, announce does not want announce.
Accordingly, the bank still should be returned to " source " , focusing advocate duty advocate course of study, enhance the supportive strength of pair of place socioeconomy, always should not come with financial product innovation " rich person eyeball " .
Finally, financial innovation should accord with superintendency standard.We might as well jump out " betrothal gifts is borrowed " , will analyse the bottom line that finance innovates. The rolls out need to keep the superintendency department such as inspect through silver examine and verify as a result of bank product is approved, with some earlier year those who roll out " Internet deposits money " " rely on archives plan breath to deposit money " for exemple, although at that time business is dealt with " fire of wind wind fire " , a lot of depositor also were used to the valuation method that relies on bank savings of archives plan interest, but at this late hour, as superintendency branch " make fall " , this kinds of product still announces finally to stop.
Anyhow, financial innovation spirit is laudable, but also should have controlled " degree " , does everybody think how? Greeting comment leaves a message, the think of a way that speaks you Oh. # betrothal gifts borrows #
