Cooperate with the electric dealer to launch the new credit and safety Bank to explore "online"

E-commerce has become a competition for commercial banks, the idea of Ping An bank (000001, shares) is through the upstream and downstream of the industrial chain to achieve "up and down"

Herald reporter Yong Jinan report

Two months ago, the big moves put forward by Ping An Bank (000001) in its 2012-year performance announcement were organizational restructuring. After two months, the adjustment framework is becoming clear. A few days ago, Ping An bank and the Chinese iron and steel Spot network cooperation, launched a steel traders "e Business Circle Online trading margin loans" credit products, relying on steel traders in the platform of online transactions, to deal with members of the bulk supply of unsecured, low-interest special loans. In charge of this business is the new Energy and Mineral Finance division of Ping An bank. At present, the credit product has been officially on the Chinese steel Spot online promotion, the Economic Herald reporter noted that ping an bank in the issuance of loans, does not require the other side to provide collateral. In this respect, the people interviewed by the leader of the industry said its loan risk is difficult to prevent. "A series of actions from Ping An bank can be seen, ping an bank to through the entire industrial chain control, to reach the line under the take-all effect." 10th, Cheng, a manager of a commercial bank company in Jinan, said in an interview with The Herald reporter. Counter-city lending to steel traders

10th, in China's steel spot online, Herald reporter saw the "use of margin trading model, by Ping An bank to provide special loans, security transactions," a paragraph of text. According to the site's staff, this is the Ping an bank and the joint launch of a business, relying on steel traders in China's iron and steel spot online transactions, to deal with members of the bulk supply of unsecured, low-interest special loans. The staff said that the current adoption of tripartite cooperation model, the Chinese steel Spot network for lenders to build a trading platform, and provide transaction data, Ping An bank responsible for the review and issuance of loans, users must be used after the loan in the platform transactions. Its specific mode of operation is: the lender to provide relevant information, by Ping an bank for review. After obtaining the loan, it is used to launch platform, subscribe resources and participate in bidding, pay loan service fee etc.

According to the contract, the transaction user in China steel spot Net annual purchase amount is greater than 5 million yuan, and no illegal transaction records, you can apply for a comprehensive credit, and may obtain no mortgage loans, the highest amount of the total annual transaction of 10%. According to the number of registered capital, lenders can be divided into 3 categories, 3 categories of enterprises of the highest loan amount of 1 million yuan, 2 million yuan and 3 million yuan, the first two types of lending rates are the benchmark interest rate of 10% and 5% respectively, the third category is the benchmark interest rate. Herald reporter learned from the above staff, for the above loans, ping An bank does not require collateral. In this respect, Cheng said, the loan risk is difficult to guard against. In the view of Cheng Au, due to the increasing credit risk of steel trade enterprises, as early as last April, the office of the CBRC issued a circular asking the banking financial institutions to adjust their credit direction and policies in time to prevent some steel trade enterprises from taking credit for their fictitious trading backgrounds; the CBRC will rearrange the industry exposures by the end of May, The steel industry ranked second, before the real estate industry. After a period of time, the CBRC repeatedly issued a private reminder to commercial banks, in the steel trade enterprises to further increase vigilance.

"In accordance with the above requirements, even if the steel traders have a mortgage can not borrow from the bank, then ping an bank unsecured to the steel trade business, the risk is greater," Cheng Au explained, "from the surface, a single loan is not very large, the maximum is only 3 million yuan, but if the number of loans, the total amount is also a considerable number. "Jinan a steel trade business general manager Wang Chengze to this business to disdain." "It's a chicken." "He explained," If the purchase amount is more than 10 million yuan, the maximum loan amount is only 1 million yuan, the 10% figure is too small, it is not worth it; "To the upstream and downstream through the cooperation with the China Steel Spot Network, Ping An bank's future business strategy first signs." In the March Ping An bank 2012 performance news conference, Ping An bank chairman Sun Jianyi proposed the big change is the organizational structure adjustment. As an important component of organizational restructuring, on April 22 this year, Ping an bank issued a notice on the establishment of the Ministry of Energy and Mineral finance. Just one day apart, the announcement was made of the establishment of the Real Estate finance division. Two notices show that, according to the needs of the new bank development strategy, the establishment of the Energy and Mineral Finance Division and the Real Estate finance Division, the main responsibility for the development of Strategic Planning Department, leading the department to promote the division of business Development and institutional expansion, direct management of energy and mineral business, real estate boundary within the and promote the relevant business in the full line of development.

In the view of Cheng Au, in the background of increasingly fierce competition in the banking industry, Ping An bank will be the key to the success of the electronic business. According to Ping an bank President Shao earlier, the future of the implementation of the strategy, more need to rely on online financial services, the future will be offline business to the line. However, the electric business has become a competition for commercial banks. The idea of Ping an bank is to achieve "top and bottom" by opening up the industrial chain.

"Ping An bank is hoping to be more grounded, close to customers and the market, occupy the market ahead of time." Cheng Alliance analysis said.