Foreign Bank Network Development Let us learn what?

According to the data provided by the Bank of China, as at the end of 2010, the bank's e-banking customers totaled 74.97 million, up 39.23% from the end of last year, with net-banking clients growing at a rapid rate of 100% per cent, and, worse, by the end of March 2011, ICBC Network silver customers have reached 102 million households, the results of the first domestic "billion" personal network silver customer base of commercial banks ...

Our customers have reached a huge level, however, the weakness of banking network silver business is very clear, less business, cumbersome service, security hidden trouble and other problems of borrowers and banking institutions, and as the bank's main profit point of the loan business, in the network development of the road is still in the initial stage of exploration. Can foreign banks with more mature internet development bring enlightenment to the network development and loan business of domestic banks?

The background of network development of foreign banks

The network development of foreign banks started earlier, the system was relatively perfect, and the market coverage was obviously higher than that in China. After more than half a century of development, some developed countries banking system has been very mature and perfect, and with the Internet in the 90 's fast in Europe and the United States, residents consumption, living habits network trend is obvious, the banking network development into the substantive stage. Take the network development representative product online Bank as an example, its first birth in the United States (SFNB in 1996 in the United States began to implement the Internet financial Services), and then quickly in other countries in Europe and America popularization.

At present, foreign countries have formed two kinds of network banking institutions, including: 1, the Bank of large banking business, its network through the network, bank, telephone banking, ATM and other integrated business system (with the U.S. health Law Bank for example, in order to meet customer demand and reduce operating costs two-way consideration, the early establishment of a well-developed network silver system); 2, An Up-and-comer in the information bank, its institutions, fewer people, mainly through the Internet business, telephone services for customers to establish a banking service platform, has been in some countries in the network banking business occupies an important place (in Germany entrium as an example, the number of its employees only 370 people, And the total number of customers to reach 770,000 people, net silver customers up to 150,000 people, credit cards, consumer loans, cycle loans, investment, trading and other businesses in the network to carry out more mature.

Typical example: WELLS FARGO Bank (Wells Fargo)

Wells Fargo, the fifth-largest bank in the United States, is considered to be the most mature representative of the US network banking business, with more than 1.6 million net customers, 960,000 visitors to the website, and 20% customers who accept net Bank services. Its website was established in 1994, from 1995 onwards to provide network banking business, in 1996 to achieve different accounts between the transfer, online credit card bills and other functions, the official beginning of the 1998 Network loan application business. By the end of 2009, Wells Fargo had a total asset size of $1.3 trillion trillion.

Wells Fargo's network development success mainly benefited from the following: First, the early use and development of network and scientific and technological innovation, set up with the offline loan business synchronization network operation system; second, the network function upgrades faster, can more accurately grasp the market demand changes, with the city change, This is an important embodiment of the network survival of Wells Fargo; Thirdly, the weights of each line are properly distributed, which is highly networked in account management, investment service, insurance and loan.

The network loan business aspect, Wells Fargo after long-term exploration, has formed the perfect network application, the audit mechanism, and has the consummation on-line appraisal system to assist, forms the better Quasi Self-Service network loan service, the business efficiency has reached the high level.

Revelation of the network of foreign banks

Internet development and financial docking will become the mainstream trend of banking business development. The development of foreign network banking business is not only the technical link of the net banking system, but also its social culture and credit environment.

First of all, the foreign social culture has been deeply rooted in the Internet. In the United States alone, for example, the Internet is highly permeable to all aspects of politics, economy, work and life, and the impact of the Obama campaign and McCain on the personal site of the strong PK can be seen. America's Internet development has been in the world's leading level, the network is strong, technologically advanced, citizens of the use of the network everywhere, and even to make calls, now many Americans are also eager to immediately call a cheaper online phone, in 300 million of the population, the Internet population up to nearly 200 million. In American thinking, convenient, efficient, safe, is good, the Bank of Internet development, on the one hand, the United States more perfect credit environment, social integrity, network environment, on the one hand, its citizens on the network platform for the rapid acceptance of banking business.

Secondly, the network development of foreign banks can not be separated from the relative perfection of information environment. Throughout the country, the mainstream credit model has the following: 1, the United States, the United Kingdom, Canada and the Nordic countries are using the credit agencies third party services, the Government plays a regulatory role in legislation and supervision; 2, in Germany, Belgium, Spain and other 7 countries as the representative of the "Central Credit registration system" as the main body, Taking into account the private credit institutions, the formation of the credibility system, the establishment of a national database directly subordinate to the central bank, for the internal use of the banks; 3. The Membership information platform adopted by Japan is established by the industry association to establish the Credit information Center and provide information interchange resources to the association individuals and enterprises. The above three kinds of methods are established on the basis of the development of the market economy of each country, based on the perfect laws and regulations, forming the real industry development.

Talk about so many foreign banks of the development of network factors, just hope to be able to use from the mature environment for reference, after all, our financial environment is not strong enough to be behind closed doors, to take the road of international development, the process of looking at the world is indispensable. Through "foreign experience", how can China's banks actively expand the network development? Easy Loan China believes:

NET silver aspect: first, it should be based on the improvement of system and the change of mechanism, and enhance the coverage degree of traditional business network; second, let "service" and "propaganda" synchronization, enhance the special strengthening of customer training, increase the bank's own network silver service reputation; third, strengthen the network security entrance construction, establish the unified standard, For example, Germany in 2008, the implementation of the Ebics unified standards, to ensure the security of all network transmission trading signals; four, network customers, differentiated service initiatives should establish mechanisms to protect risk control, expand quality service ratio.

Bank Network loans: China's public loan demand is strong, net silver users have reached a higher level, but the foundation is relatively weak. First of all, in the business process mechanism should focus on network loans, including personnel arrangements, customer follow-up, process simplification, etc. secondly, in the improvement of the banking system to pay attention to network loans, the establishment of network loans in the receiving, evaluation, audit, late repayment (in addition to the face sign) all aspects of the network docking mechanism, strengthen self-service network loan system; again , and actively develop the network loan products, with the Internet era of public financing needs relative; Finally, do a good job of risk control to ensure the security of network loans.