Domestic Bank network loan still need to force

&http://www.aliyun.com/zixun/aggregation/37954.html ">nbsp; Domestic banking network loans started late, with the "strength" of the conclusion is certainly unfair. At present, China's banking network loan business does not have a large area, only a small number of banks in the past two years into the network loan business, and some foreign countries mature network lending environment, China's banking network credit business is not obvious, but to improve the potential of a huge, in a typical "lactation."

The author will combine the current domestic banking network loan model, characteristics, the current business situation of the analysis, pointed out that the banking network loan business in the development of the advantages and disadvantages.

First of all, banking network loans in the country are mainly four types of expansion (the following figure): NET Bank user based network loan service is mainly aimed at the bank's business groups, the network loan-specific platform, direct page application of the two business forms are more approximate, mainly relying on online submission of information, access to conventional traditional loan process and Third-party E-commerce platform, is the use of E-commerce platform with the existing resources and integrity control mechanism for small and medium-sized enterprises to provide financing, such as the construction Bank's "E-loan" series, and Alibaba platform cooperation.

Secondly, the bank network loan mostly stays in the network registration stage, the system network has not realized. Standard Chartered Bank "now loan" network loan port as an example, after the Web page to submit loan information, the final still want to go back to the line for pre-audit, evaluation, approval and other steps of the operation. Although some banks in the network loan business publicity, pointed out that through the system to achieve the pre-approval, evaluation and other aspects of self-service services, but according to the actual survey of easy to borrow China, the current service is still in the development phase.

For the healthy development of things, we should be reported to actively encourage the attitude, especially in the primary into the long-term banking network loans, to recognize the deficiencies, to achieve improvement, not only the bank to enhance business, reduce the financial cost of effective, but also the borrower to improve the efficiency of the loan. The potential impediments to China's banking network loans in the easy loan system are summarized as follows:

First, the network loan system is not sound. According to the survey learned that the current network of loans in the banks, more than 50% of the outsourcing nature, in the management, follow-up and offline business more difficult to match, through online loans to enhance the bank loan business is more difficult, it is expected to need at least 3-5 years after the situation can be reversed to improve, because the current online loan system is not sound, For the network loan business process mechanism is not in-depth, the Customer Manager of online information to follow the less effective.

Second, the financial institutions wind control management and integrity system needs to be improved. This is a cliché, but it is not to be overlooked. The trend of bank loan in China changes obviously with the policy trend, the ability of self-regulation is relatively weak, there are still some gaps in the management of risk control, such as the problem that the mortgage becomes more and more difficult. In addition, although regulators have been working to build a nationwide credit system, the information is clearly not symmetrical in time, and social integrity is still to be improved, this is not a credit system can be true performance. Found insufficient to better development, easy loan China believes that the rapid development of electronic commerce is the era of Bank network loan development Opportunity,

The network of the people should keep abreast of the borrower's internet habits, gradually realize the real network of bank loan business, not only the registration window transplant network, but to achieve pre-trial, pre-submission are on the Internet, face sign need to operate under the bank line, repayment also from the network port, in the credit before, loan, credit, after the banking system needs comprehensive follow-up. In addition, repayment management, credit after tracking can be transferred to the network operation, can bind borrower Net bank account, which can reduce the line of business these links of human, material, cost investment, truly environmental protection and cost savings.