Electricity Dealer "Touch Gold" threaten bank?

The real threat to banks is the future of diversified competition

Newspaper reporter Zhou Feiyu reports

After extending to the logistics service, the electric business enterprises begin to rely on their own third party payment basis to test the water finance business.

Ali Financial recently announced that its microfinance business in the first half of this year to put loans 13 billion yuan, since the 2010 self-employed small loans accumulated 28 billion yuan, for more than 130,000 small micro-enterprises, individual entrepreneurs to provide financing services.

As Ali's credit loan is about to open to all ordinary members of Jiang, Zhe and Hu, there are many views that banks will face unprecedented competition. But is the bank's opponents really coming?

"The cumulative release of 13 billion, its balance is only a few billion, with the bank Guixing loan issuance volume is not the same order of magnitude." Jinlin, an analyst at Orient Securities and banking, said in an interview with China News of the press.

Relevant data are also reflected. 2009 Minsheng Bank (600016, shares bar) launched for SME customers, "Business lending", 2010 years ago, August 4,000 enterprises to increase customer, loans more than 6 billion, the average number of loans in the million. 2011 3 Quarterly Show "Business Lending" balance has reached 214.2 billion yuan. According to Ali Financial statistics, the above 13 billion yuan loan consists of 1.7 million loans, the daily average of nearly 10,000 completed loans, the average loan amount of only 7000 yuan. "The loan amount is very small. "Jinlin said.

>>> Turn A2 version