On the future development of bank network loan

What are the future prospects of banking network lending at the primary stage of development? If we are to conclude its future scenery, it is too early to say, but we hope that with the strong development of the banking network loan business, it can play a positive role in the healthy development of China's financing market in the future, after all, it is not only the banking net loan, but also the network financing of the difficult growth of the word of mouth. Recognize good, find deficiencies, establish advantages, perseverance, is the bank's network credit benign development of the right path.

The potential impetus of bank network loan development

Although the development of bank loans is still relatively rudimentary, but its environment has laid a foundation for future development, I look at the potential impetus for future banking network development.

First, domestic demand for a rapidly growing loan market needs to be released. In recent years, the business financing demand caused by the increase of enterprise volume has Yao, because of the relatively sound financing system of large enterprises, and the small and medium sized enterprises which are in the start-up period and the long term are weak, the overall financing demand is growing rapidly; In addition, the rapid development of domestic consumer market, The real estate market demand in recent years sustained high-speed release, the continuous promotion of private entrepreneurship, directly stimulated the residents of housing, car, consumption, entrepreneurship and other financing direction of total growth.

Second, the policy and law will be more conducive to banking network lending Business "clear the clear." After the financial crisis, the regulators, while considering people's livelihood, we will continuously strengthen the guidance of financial institutions on the ability to resist risks and increase the health of credit, which is a prerequisite for the healthy development of bank network loans. At the same time, the "Commercial Bank Law", "personal loan management interim measures" in the face sign business processes such as the provisions, In fact, it is also gradually increasing the ability to resist the risk of network loans, and the country's active encouragement of Internet e-commerce, from the November 2009 "on speeding up the development of electronic commerce in the opinion", to the "Electronic business model norms" of the release, clear the government's e-commerce guidance and support policies, For the first Internet-related bank loan business, no doubt in the network cooperation, resource integration, channel building are good news.

Thirdly, economic development will become a booster for the development of bank network loan. At present, China's economy is in a critical period of stabilization, under the macro-control role, the economic recovery, to the good obvious, enterprises and households normal economic and commercial activities of the overall fluctuation is small, the overall financing environment is healthy and orderly. The keynote of this year's macroeconomic policy is steady growth, restructuring, promoting change, although employment, financial and financial risks, income mismatch, medical security and other aspects of the problem is still more prominent, but residents and enterprises financing demand is more intense, financing direction is more extensive, for the network loan business, economic and financial transformation, It is precisely the occasion of the positive change.

Finally, the opening of the social culture provides the "fodder" preparation for the banking network loan. Three points of good can not be ignored: first, the public network habits have changed, the number of netizens over 400 million, internet penetration rate of nearly 30%, more than the world average level; second, E-commerce, E-commerce environment has been relatively mature, the formation of E-commerce as the main body, consumer shopping electronic platform for the rapid rise of prosperity The third is the domestic credit environment, although the overall low, but is always the charge direction of the regulatory department, non-performing loan rate continued to drop sharply, with the credit system gradually improved, mortgage difficult problems such as the targeted solution, the overall integrity of the environment to increase the potential of a huge.

Bank network loan should break through the bottleneck of technology

In order to realize the breakthrough of the network loan business, the biggest problem in front of each bank is probably how the "technological revolution" has been put into effect.

There are obvious technical soft rib in the domestic Bank network loan, the current online loan system is still not perfect, the net loan business mechanism is not deep, the Customer Manager is not timely to follow up the online information, and the credit evaluation mechanism is imperfect.

First, from the Bank network loan one of the main carriers of "online banking", China's major commercial banks have opened the network banking business, but the overall level of business has yet to be improved. Mainly reflected in the business categories covered less (more to account inquiries, transfer payments mainly), more cumbersome services, security system construction deficiencies. As an important point of bank profitability, how to effectively combine loans with the Internet, the technical difficulties to overcome the urgent need.

Second, the current banking network lending business generally stay in the registration function. According to the China survey of easy loans, the current Bank network lending function is generally single, in the Web page to submit information, the end is to return to the offline operation. For the new customers of the bank, through the network data submitted, their own credit information because in the line blank, the loan efficiency can not be promoted without guarantee, the actual good is vague.

Third, the banking system is insufficient to follow up on the network loan. Bank online loan system is not perfect, for the network loan business process mechanism is not in-depth, the Customer Manager of online information to follow the less effective. If we want to mature the online loan system, the matching of human resources, the reform of the whole management mechanism of the loan business, the redistribution of the banking system and the improvement of the credit evaluation mechanism are important problems that cannot be neglected.

I think that to 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, before the loan, credit, 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 input, to achieve environmental protection and cost savings.

Establishing advantages and realizing traditional business moving to network

The Bank net loan business if realizes the loan flow network truly, can achieve simple, convenient, but at present, although the bank has the obvious advantage of Internet advantage: One is the experience of bank loan business accumulation, and customer resources and system advantages; Secondly, the coverage and understanding of the development of online banking has formed a certain scale. Third, the Internet and bank customers have a better business relationship, the current income and expenditure, transfer and other services in the Internet, but to achieve these functional advantages to the network loan business transformation, still need time.

I think that the rapid development of the Internet industry, let the bank loan business see the possibility of a piece. The internet is no longer just a carrier of information dissemination, but a convenient platform for functional diversification. Bank network loan should grasp the arm of rapid development of e-commerce, close the network habit of borrowers and open up network financing business in the era of network. After all, residents and enterprises financing demand continues to grow, while the traditional bank loan business by the system, business mechanism, staffing, network density and other factors can not meet the needs of more borrowers, opening up convenient network loans, has become a top priority. Can be seen as a bank loan business channels to open up, improve efficiency, look to the future initiatives.

The development of banking network loan business needs a certain period to perfect and mature, we must not have too anxious psychology, otherwise enthusiasm. should be step-by-step, through the network of loans to open up the channel of business line efficiency to enhance effective supplement, the active reserve network financing passenger flow, and for reference to foreign countries operating mature network loan business development experience, the latter part of the business optimization and mechanism reform focus on investment.

Ambition will sometimes, straight Hang Yun-fan Ji Sea. In the rapidly changing financial market era, we are optimistic about the future of bank network loans, hope that the early arrival of the day, so that the problems of countless borrowers troubled financing, can effectively resolve.