Zhejiang Network Business Bank how to loan

Let's put the big data on the loan.

Unlike traditional banks, net business banks have no outlets or loan officers. Several large banks have more than 100,000 employees, while net-commerce banks employ only 300 people nationwide, with data scientists accounting for 2/3. Lending is determined by machines and big data rather than by people, and many businesses are done by machines and big data. Big data refers to the credit score of sesame, ant small loan (Ali's unsecured unsecured microfinance program for sellers with trading water).

It is said that the net commercial Bank's loan does not need any guarantee and the mortgage.

"Big data will find out when a user needs a loan and is able to repay the loan." "The Network Business Bank President Hu Shengfa said, small micro-enterprises, individual consumers and rural users, is the network Business Bank of the three main target customer groups."

In the future, in the Network Business Bank loan, the process may be this: spend 3 minutes on the computer to fill out and submit a loan application, within 1 seconds of the loan issued to your account, the process of 0 manual intervention. NET Business Bank every loan to the cost of less than 2 yuan, the traditional offline loan of a single cost of about 2000 yuan.

Reporter learned that the current network business banking website and the app has not officially online, ant Gold to give the answer is: "The app is in the review, the site will be online as soon as possible, the specific schedule has not." ”

Small micro businesses and individuals will be the target group

In fact, among the 5 first-batch private banks approved last year, Ali's network Business Bank and Tencent department are the most concerned, the two are network banks, have stressed that the platform does not set a network, do not do cash business. In the domestic first "internet bank" of the micro-banks, this January trial trial.

Speaking of the relationship with Tencent's micro-banks, Hu Shengfa said there was no competitive relationship between the network Business bank and the Micro Bank. NET Business Bank will make deposits under 200,000 yuan and loan business under 5 million yuan.

"We open a deposit platform to attract people to save money, and employees are not forced to pull deposits, so that there are financing needs of customers and small enterprises to cooperate." Hu SHENGFA also disclosed that the first product of the net Business Bank was the personal loan business, and the product at the beginning was not much. According to his expectations, the network Business Bank in five years to achieve 10 million small micro-enterprise services, for the 45 million body commercial households service goals.

At the same time, Ali also for small micro-enterprises and individual users set up a "network Gold club" for ordinary white-collar users and small micro-enterprises to provide financial products or financing services. It is the first government-approved Internet financial Asset Trading Center to be established by the main sponsor, the Ant Gold Service, and the Hang Seng Electronics (600570, Stock bar). Currently, the platform can be directly logged in with Alipay account.

In the preparation application submitted to the CBRC, the small and medium-service bank was designated as a net-business bank, which did not highlight the "Ali" background. Network Business Bank will use the Internet thinking and technology, through the Big Data Analysis service grassroots consumers and small micro-enterprises, service the real economy, expand the boundaries of commerce.

The business model of the network Commercial bank will adopt the whole network operation, the target customer locks in the small micro enterprise and individual consumer of the e-commerce platform, the product is mainly the finance service which suits the network operation, the structure is relatively simple, specifically refers to below 200,000 deposit and under 5 million loan product.

In 2010, Ali set up a microfinance company to provide loan services to small and micro enterprises on the Aliping platform. 4 years, Ali small loan accumulated a certain degree of risk control and credit experience, as well as a wealth of big data resources, these will be with the newly-built network business Bank to open up, mutual support. and whether Ali bank after the establishment of the Ali small loan business This issue, the small micro-gold clothing response said that the next period of time Ali small loans will be and network Business Bank parallel, there is no conflict.

Compared with other private banks, the biggest advantage of the network Business Bank is the big data resources accumulated by Alibaba on the e-commerce platform, which will solve the problem of asymmetric information of traditional banks and small micro enterprises in credit. As to the extent of its impact on the traditional bank's lending business, it is still not well judged that the national level of Internet finance is to complement the traditional financial business.

The approval of the Net-commerce Bank is of great significance to Ali, and the construction of Ali's financial system will be more perfect. In the area of microfinance services, because this license of private banks will no longer be limited by the original small loan company registered funds, the size and prospects of Alibaba Micro Financial services will be broader.