Zhang Roaming
After entering into financial management, small micro-enterprise financing and other fields, Internet enterprises and electric dealers again to the consumer finance sector.
It is reported that "double 11" period "Day cat stage" will be officially extended to the day Cat Mall all merchandise. Prior to this, Beijing east has been "white" to the campus customer base, and in September officially released its consumer finance strategy.
In the face of the electric dealer's attack, the traditional consumer finance company is actively engaged. After the north bank, Kam Cheng, boc Three banks are consumer finance companies, in recent time, Societe Generale, ICBC, two banks said it will prepare consumer finance companies.
Industry insiders believe that, under the financial Internet, the Internet is convenient, efficient, without geographical restrictions and other characteristics has aroused the great interest of consumer finance companies, and the establishment of large Internet data may also become the banking department of Consumer finance companies to promote business breakthroughs.
Electric dealers enter Consumer financial market
Recently, there is news that by the Ant Micro-loan (formerly Ali Small loans) and the cat development of the "Day cat staging" has been completed trial, "Double 11" period will be officially extended to the Cat Mall all commodity categories, covering 15,000 merchants, more than 800,000 goods, including home appliances, decoration, cosmetics, digital, apparel, automobiles can be applied. Through the "cat stage", consumers can shop first, after repayment, and can enjoy 0 of the first payment and 3, 6, 9 installments.
From the beginning of this year, the Internet industry's first credit payment products "White Stripes" began, the Internet army to explore the consumption of financial markets, the momentum has not been quiet. This September, Jingdong Finance also released a consumer finance strategy, its consumer finance business senior director Xu Ling, in the consumption scene expansion, in addition to shopping in Jingdong Mall, Jingdong will also to the vertical category, such as automobiles, tourism, furniture decoration and other industries to expand.
"The market for consumer loans is vast, and it is not surprising that the Chamber has launched an attack on consumer financial markets. "There is a big market potential on the one hand, and more crucially, they have" big data, "said a bank credit department source.
The credit department personage said that through the data analysis, the electricity trader can grasp the user's credit condition and the expense ability, provides the technical support for the credit, thus the electricity merchant can carry on the financial risk control better. On this basis, the "phased purchase" process can be further simplified, speeding up lending, thereby releasing the customer's needs and contributing to the growth of business volume. ”
Individual consumer credit Person of a joint-stock bank said that for the sake of the cost, the bank has mainly concentrated on the large amount of loans of more than 200,000 yuan, and the current "installment purchase" of the electric dealer is limited to its own customers, and the consumption is small, which is different from the target customer base of the bank's consumer credit. Many people in the industry believe that the current size of the market, the electricity business in the consumption of financial markets is not enough to affect the traditional banks of consumer credit business.
"But electricity dealers may have an impact on the business of a consumer finance company. "The above-mentioned joint-stock bank individual consumer credit person explains, because the consumer finance company's loan quota is small, the North Silver consumer finance Company for example, the starting loan amount is 600 yuan, if the consumer wants to buy the electrical goods, originally may in with this financial consumer company cooperation Merchant handles the loan directly, And now consumers can be directly through the Electronic business platform to achieve "phased purchase." "The same 0 pay, the latter at home on the internet can be easily handled, will undoubtedly win the hearts of some consumers." ”
As for the impact of the actions of the electric operators on the consumer finance companies, many insiders frankly, if the electric dealer's risk prevention done well, to achieve such as the Beijing East said to the larger consumer loans to enter, then their business model is likely to bring impact on the traditional financial credit model.
Consumer finance Company "NET" enclosure
In the face of the menacing electricity quotient, each bank also intensified the development consumer financial market footsteps.
A city firm a loan business department Personage said, compared with the bank's consumer credit product, the consumer finance company loan advantage lies in the single letter credit limit, the procedure is simple, the approval speed is quicker, does not need the mortgage guarantee, also does not have the down payment. "This has largely met the consumer needs of low-income groups that have long drifted away from traditional financial services, and banks can also expand their clients." ”
In addition to these advantages, policy support is also an important reason to attract banks to tighten the distribution of consumer finance, said the business sector.
As of last November, the CBRC issued a new "consumer finance company pilot Management scheme", which increased the type of investors, allowed private capital to intervene, liberalized the geographical limits of business, increased the absorption of shareholder deposit business and other preferential conditions. This has allowed more banks to sniff out opportunities for growth in the financial-consumer market.
In July this year, the company's wholly-owned subsidiary, Hong Kong Wing Lung Bank and China Unicom to establish the Joint Consumer Finance Co., Ltd. was approved for preparation. Societe Generale also followed, in the recent and Fujian Quanzhou City Commercial Corporation, special Step (China) Co., Ltd. and Fu Cheng (China) Co., Ltd. 4 companies jointly funded the establishment of industrial consumer finance AG. In addition, Hubei Bank, Huizhou Merchant bank, Chongqing Bank, Xi ' an bank's consumer finance companies are in preparation.
Since the opening of the business area restrictions, the original banking Department of consumer finance companies began to expand the scope of business. BOC Consumer finance Company has set up processing points in Beijing, Hangzhou, Nanjing and Nanchang, respectively, in addition to Shanghai. As of the end of 2013, the business processing point of the north bank consumer finance company has expanded to 1500 nationwide.
However, Zhang Tao, vice-president of the bank's consumer finance company, had said that although the area of business was cancelled, BOC's consumption would not be as dense as the banks, and more depended on the cooperation of merchants and the Internet platform to expand their business.
The director of a joint-stock bank credit Office says that, whether it is a bank or a consumer company, for risk considerations are more likely to have face-to-face contact with customers, which can also allow customers to apply for more credit lines, but consumer finance companies are relatively small, dot too much need to invest a lot of human and material costs, compared to the establishment of physical network , "net" may be a better choice.
In fact, as early as this March, China Silver Consumer finance has been with Tencent's "Tenpay" cooperation launched the online credit payment products. The author by calling the BOC consumer finance company's customer service center to understand that the current credit payment is mainly for Xun online quality customers, the company will regularly through the form of an invitation to provide such customers with applications, individuals can not voluntarily apply.
Before that, the bank's online loan platform, the "Easy e loan", had also been launched. It is understood that this platform can help 4 municipalities as well as the 20 provinces including Qinghai, Xinjiang, and other clients to handle the loan business.
The personal Credit Center of a joint-stock bank believes that tapping the resources of the Internet is of great benefit to the consumer finance companies of the banking department, but now the internet business of consumer finance companies is still in a comparatively elementary stage and is not as experienced as the electric dealers, so it is not possible to achieve large scale trans-regional "I think that the next consumer finance companies will vigorously strengthen the Internet platform to build and promote." ”
The person said that because the Internet's advantage lies in large data, if the bank is a consumer finance company to further improve the Internet platform, through customer segmentation, consumer finance companies will be able to provide customers with more accurate and targeted services, but also reduce the cost of product innovation, better defense of business risks.