A company that was born for the future

Summary: Four-way horse assembled micro-bank governor finalized the end of a company to prepare for the future birth. This is Tencent, business source, Liye Group of three private enterprises in Shenzhen before the sea micro-public banks (hereinafter called micro-banking) September 25, the first large-scale recruitment of the mouth
The four men assembled the micro-bank governors to finalize the preparations at the end of the year

"A company that is born for the future." "This is Tencent, business source, Liye Group Three private enterprises in Shenzhen, the former Sea micro-public banks (hereinafter called" micro-Banking ") September 25, the first large-scale recruitment slogan.

21st century economic reporter was only informed that since the original Ping ' an group deputy general manager Gu Min April joined as chairman, especially the July CBRC approved the preparation, micro-banking preparation progress is extremely rapid, the most concerned about the position of the governor has recently been finalized, but is still a confidential period.

"Since the preparation, has been recruiting core team, the governor's position also picked a lot of people, are the industry more well-known figures, but this position is particularly critical, Tencent's requirements are relatively high, must have a profound understanding of finance and the Internet." So it was only recently determined. "said a bank insider.

The 21st century economic reporting reporter was also informed that micro-bank other senior management team is also basically in place, in addition to Gu Min as chairman, the former Lu Jin deputy general manager Huang Liming as the preparatory group leader, Vice president, in charge of personal consumption credit; the former Shenzhen Banking Regulatory bureau director of policy and regulation Qin Hui as Vice president, in charge of the backstage and audit, Other executives were also added to the position.

Among them, the former People's Bank of Shenzhen Central branch of the pay and clearing office of the Director of the Micro-public bank deputy governor, in charge of operation and management; The original deep development (Ping An bank) credit card Center President, Ping An financial technology company general manager Liang Yaolan as Vice president, in charge of credit card business; former Ping An bank risk officer Wang Shijun as vice president, in charge of risk control The original Shun Fung CIO (Chief information Officer), Peace Technology general manager Ma Zhitao as Vice president, in charge of IT technology construction and operation; the former ping ' an Bank of Li Nanqing as a micro-public bank, in charge of Dong office and Board of Directors daily work; former Ping An bank Shanghai branch vice President, Fang Zhenyu, deputy general manager of retail Consumer Credit division, serves as consumer credit director and assists Huang Liming in work.

Overall, the majority of micro-banking executives from the Department of Peace, but the middle and the following employees, especially product development and marketing personnel from the Internet, including Tencent's staff of up to 40%.

"Peace Department" senior management team

"There is still a massive hiring, and the market is rumoured to have dug up a lot of business managers from other banks," he said. Micro-banks mainly do internet finance business, what to do for business managers? "An authority close to the preparatory of the micro-banking industry said to the 21st century Economic report.

According to the reporter understands, the micro-bank current team mainly comes from the Internet enterprise and the traditional financial institution, as mentioned above, the high-level mainly comes from the peace department.

In the new executive team of micro-banking, Liang orchid is undoubtedly the most well-known in the market, and its position in the credit card field is extremely high. Liang 1983 began to engage in financial work, started in the construction bank, but mature in the Bank of China, 1998 as the personal Banking Department of China Merchants Banking general manager, to participate in the establishment and operation of the CMB card; 2002, when the President of the CMB, MA to the credit card business arrows to open up the retail strategy As the general manager of the credit card center; In 2004, after the Chinese Trust Commercial Bank Advisory team withdrew, MA left its main member Zhong as the president of the CMB Credit Card Center, Liang Lan as his deputy.

"She can be counted as the first batch of senior executives engaged in credit card business, China Merchants Bank Credit card is done in her hands, during the period with the Taiwan team, but also learn from more advanced experience." The domestic credit card industry, she can be said to be the senior figures. "said a person familiar with Liang orchid.

2010, Liang Lan joined the original Ping an Bank (deep firm), as the deputy general Manager of credit Card division, once again started to carry out credit card business, 2010, briefly as the deep development (now Ping ' an bank) credit card center president after leaving. After a period of free time, once again back to the Peace department, as the general manager of the Ping an financial technology company, 2013 was responsible for the establishment of Ping an credit company.

After joining the micro-bank, Liang will return to the old bank, a third from scratch to develop a banking credit card business, the difference is, this time to join the internet gene. According to the reporter understand, the CBRC has not yet issued a financial license to the former Sea bank, as a new preparatory bank, the initial may not obtain a credit card business license, micro-banks will be through with other credit card licensing banks in the form of joint-issue cards to carry out credit card business. and the micro-bank credit card business has been in place in the team, mainly from Liang Orchid's old club-China Merchants Bank.

Other executives are also quite a bit.

Hosts have previously served as the People's Bank of Shenzhen Central branch of the payment and settlement office, in the field of payment and settlement has a wealth of theoretical and practical experience, the national modern payment system and Shenzhen City payment system, such as many sets of payment system, in its tenure in the integrated online. Ma Zhitao previously for the Peace Technology general manager, responsible for Ping An group IT operations more than 10 years, 2012 as Shun Fung Express Group CIO; Wang Shijun early in the original Ping An Bank (deep firm) responsible for risk control work, and deep development merger, also homeopathy into the new ping ' an Bank (deep development), for the Director level Li Nanqing Early is also the original ping ' an bank dong, the two lines merged to serve as the new ping ' an bank dong, the end of 2013 leave; Fang Zhenyu has served as Vice President of Shanghai Branch, in charge of retail and operation, in early 2014 into the head Office Consumer Credit Division, responsible for "new one loan" products It is similar to the "new loan" of Ping An bank, which is engaged in the consumer credit business of the micro-banks.

The existing 40% people from Tencent

According to the reporter observation, although as a strong new internet gene Bank, but the new and meticulous Bank of the Peace department executives generally older, and the internet gene should be younger than the discrepancy. In this respect, "the focus of the micro-banking sector is on the team's mix, with financial risks, laws and regulations, internal audit-related positions to be prudent, people who need more stable traditional financial institutions, and business innovation to young and even internet professionals," said the close preparatory. ”

According to reporters, including the above executives, micro-banking personnel in place nearly 100 people, mainly for the preparation of the Board of Directors, the Board of Supervisors, and other business-related parts of the backbone has been in place. The micro-public banking program, in 2-3 years will expand a 500-person team, long-term maturity stage, depending on the business development progress, the total number will reach 2000-3000 people; for new arrivals, the micro-banking industry requires innovation, and the ability to create an innovative atmosphere, and hopes to build a strong internet gene, A bottom-up product innovation team with a financial management team with some control over risk.

"Many people misunderstand the fact that many people from the micro-banks are from peace, and most of them are from Tencent, especially technology, data analysis, Internet product developers, all from internet companies." "The authorities close to preparatory said to the 21st century Economic report.

According to the reporter understand, micro-public bank currently team, from the peace department of about 10%, mainly in the senior, from Tencent's more than 40%, mainly for Internet product developers.

And from the staff structure analysis, the current personnel team is divided into three parts, including it construction and operation, risk control, product development. The first two mainly from financial institutions, product development, including financial products and Internet products, both categories of personnel, the product development team mainly in the Internet enterprise-oriented personnel, up to 80%.

A total of 57 jobs were launched by the micro-banks on 25th, the size of 150 people, mainly in science and technology, finance, business analysis, financial planning, career and other 5 departments, both the Internet companies need to carry the maintenance engineers, test engineers, System architects and so on, but also the bank's required clearing, credit operations, risk management and other positions.

Supervision and acceptance will be completed during the year

According to the reporter understands, the CBRC approved the preparation in July, to micro-banking is indeed a surprise. Micro-banks were scheduled to open around August 2015, but according to the CBRC "6 months after the completion of the preparation of the work" request, micro-banking will be completed by the end of 2014.

The authorities close to preparatory told the 21st century Economic report that, normally, the preparations would be completed by the end of the year and that the supervision and acceptance of the People's Bank and the CBRC would be completed, and then, depending on the maturity of other operations, it might be the end of 2014 or January 2015, The sign of ripe timing is to develop a more confident Internet financial product.

At present, the micro-banking preparatory work revolves around the core it and business operating system, banking rules and regulations, the main management team and product development personnel of the three supervision and acceptance of the necessary factors; After this, also to the location of the bank to do specific business planning, specific business risk control model, Financial model and capital planning, and so on a series of preparatory work.

"The initial rules and regulations are the most cumbersome and necessary, now a large number of people in place are drafting various documents, but also with the supervision of continuous communication; product development and management team are in the implementation, in fact, the most important is the core system construction, micro-banks need to build a new IT system within six months, and to ensure that after a huge amount of internet financial products and services can be normal operation. "The authorities close to preparatory said.

According to the 21st Century Economic report reporter learned that in specific business, micro-banking will be positioned in the internet finance, the initial stage will be Tencent's existing Internet customers as the basis for tailor-made development of financial products, mainly credit cards and personal consumption of credit mainly.

"After the opening, it will soon be seen that the former Sea micro-bank is different from other banks." "Gu Min, chairman of the bank, said in a symposium with the former Maritime Administration in August," the former Sea micro-bank will be a pure network bank, the staff will not be too many, do not set up branches, the business is mainly through scientific and technological means to achieve; micro-banks rely on the parent company Tencent's huge customer resource advantages, will become the largest number of customers in the country bank. "(Edit: Yu Xiaona, Han Rui)