Direct banks have their financial strategies on the line

Recently, Nanjing Bank Direct Bank "Hello Bank" low-key on-line trial run. According to the latest news, the 7th annualized return rate of the flagship product "Xin Yuan Currency A" launched by Nanjing Bank's direct bank in the first phase was 4.09%, which is not superior to other bank-based Monetary Fund.

According to incomplete statistics, as of now, five banks have launched direct banks. In the meantime, the statistics from the Silver Rate Network show that the current "baby" rates of the banking system are higher than those of the "baby" of the Internet.

A branch of electronic banking sector told the "Daily Economic News" reporter, banking layout Internet finance in this direction is right, but in the layout of the strategy will have different considerations. They still adopt a more cautious and prudent approach, but many banks have also made great initial investments in internet finance.

A number of banks have launched direct banks

Direct-selling banks are emerging financial formats emerging from the Internet era. They are characterized by globalization of customers, flattening of organizations and low costs. Customers can access direct-listed banks through the Internet and mobile Internet channels and directly access online banking through electronic accounts Provided products and services.

Recently, Bank of Nanjing also formally launched a direct bank named "Hello Bank" which is dominated by currency fund products. Since September last year by the Bank of Nanjing initiated the establishment of Xin Yuan Fund was officially opened less than a year, the bank began to integrate the operation has been further promoted. The flagship product launched by the direct bank in the first phase is Xin Yuan Fund - "Xin Yuan Currencies A", with an initial purchase amount of 100 Yuan. It also sells Guangfa Jui Rui Fund-type products.

In addition to fund products, Bank of Nanjing Direct Bank also launched a special wealth product - Easy Profit, an upgraded RMB savings deposit account for customers with short-term investments in large idle funds. Profit ", the system will automatically generate a notification deposit based on the customer's account balance.

According to "Daily Economic News" reporter statistics, as of now, Minsheng Bank, Industrial Bank, Zhuhai China Resources Bank, Bao Ban Bank, Bank of Nanjing five banks officially launched direct banks. Bank of Beijing, Shanghai Bank, Bank of Jiangsu, Hebei Bank is also preparing for direct sales banks.

A banking analyst told the "Daily Economic News" reporter, the impact of Internet finance on small and medium banks is more obvious, especially for deposit contention. The direct bank model opens more traffic entrances for banks. On the one hand, banks use the Internet to sell their products to reduce costs and attract customers. On the other hand, users also enjoy higher profits than traditional banks.

However, large banks have advantages of outlets, customer advantages, long-established reputation and brand advantages, and the demand for direct-selling banks is not strong. Small and medium-sized banks are even more interested in direct-selling banks. "The above banking Analysts said.

Bank "baby" income come from behind

At present, the direct banks launched by banks still use the monetary fund as their main product. Such as the people's livelihood direct bank "wishful treasure", Societe Generale direct bank "Societe Generale" and so on. As of May 31, the total direct sales volume of Minsheng direct bank customers on the line for 3 months amounted to 470,000. The purchase amount of "wishful treasure" exceeded 47 billion yuan and the number of holdings reached 14.1 billion yuan.

Yesterday, "Xin Yuan Currency A," the annualized yield on the 7th was 4.09%. Compared with other bank-fund Monetary Fund, the yield was not dominant. According to the latest statistics from Silver Net statistics show, China Merchants Bank Chaopi Ying, Societe Generale treasurer wallet, Pu Pip Fat, Bank of China Bao Po rate of return in the bank leading the Monetary Fund, the recent 7-day annualized rate of return of more than 5% , Higher than the Internet "baby."

However, a branch of e-banking sector told the "Daily Economic News" reporter, bank layout Internet finance in this direction must be right, but the layout of the strategy will be different.

"We are still adopting a more cautious and prudent approach. We will make great efforts to promote supervision and operation in a clearer mode. However, there are also many banks that have made great efforts in the early stage of Internet finance such as business promotion and people's livelihood The industry is more positive. "The e-banking source said.

In the opinion of the banking analysts mentioned above, the current size of the monetary fund of the banking system is generally not large, and many banks are only doing low-key and are not vigorously promoting it. "Banks may also be more tangled. The larger the IMF does, the more it actually raises its debt costs. But as a defensive measure, banks must also have a say in this business."

In fact, banks hope to do more through Internet channels such as direct banks, such as selling financial products and issuing loans and other traditional financial services, but this still needs to be gradually relaxed in regulation. "In fact, we had plans to be a direct selling bank two years ago and have been communicating with the regulatory authorities, hoping that the policy will give banks more room." According to the source of the e-banking department,