Pest analysis of domestic Bank network loan development

The traditional bank loan business from the network point to the internet direction of the trend to appear, but the domestic banking network loan is still in the initial stage of development, whether the current environment for its development is a benefit or disadvantage? On the four aspects of political law, economy, social culture, technology and so on, this paper makes a simple pest analysis on the current domestic Bank network loan development, with a view to combing and referencing the development of the industry.

--Analysis of political and legal environment:

From the current credit tightening trend, the regulatory level in the aftermath of the financial crisis how to establish financial institutions to resist the risk ability, increase credit health degree has some thinking, timely adjustment of credit indicators, The total annual credit will be reduced from $9.6 trillion in 2009 to $7.5 trillion in 2010, and 7.5 trillion will still be implemented in 2011. To encourage the direction of credit, the mainstream loans, such as small and medium-sized enterprises and personal consumption loans, are relatively light in the real loan business of domestic banks, and the regulation has deliberately increased the promotion of SME loans and personal consumption loans.

From the recent year to adjust the mortgage market, the second suite of the first Santi rose to 60%, interest rate changes to the benchmark rate of 1.1 times times, the first suite down payment 30%, interest rate rise to the benchmark rate, three sets of loans closed, for the Bank Credit Handicap important status of the mortgage users to restrain the larger, It can be said that the demand for public loans still has a great potential for release. Through the CBRC to a number of key banks nationwide mortgage risk testing, showing that the bank on the mortgage of the pressure, resilience, more resilient, this may lead to future mortgage market exposure.

For the banking network loan business, it should be noted that as the 37th of the Commercial Bank Act requires that the loan contract should be a written contract, and the "interim measures for the administration of personal loans" expressly stated that "when issuing a personal loan, the bank shall identify the individual by means of a face sign system to understand the actual use of the borrowings, To investigate the borrower's credit status and repayment ability ", so the bank net loan business must be combined with the face sign, which means that the development of network loans and offline loan business organically combined, although the current tightening, but the future development model is undoubtedly clearer.

At the same time, the State has strongly encouraged the development of Internet E-commerce, the November 2009 Ministry of Commerce issued the "on speeding up the circulation of electronic commerce development," the government to clear the guidance of e-commerce and support policies. In addition, the "Electronic Business Model Specification", which has been promulgated, will further improve the level of enterprise management and enhance consumer confidence. For the Cooperative Bank Network loan business, the benefit is more obvious.

--Economic environment analysis:

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 to stabilize growth, adjust structure, promote change, industry forecast 2011 Domestic economic growth rate is expected to reach about 9.3%, basically to smooth transition.

According to the National Bureau of Statistics published data, the first quarter of the domestic production value of 9.6311 trillion yuan, compared to the price, the year-on-year increase of 9.7%; the first quarter consumer prices (CPI) Rose 5% Year-on-year, the first quarter of total retail sales of consumer goods 4.2922 trillion yuan, year-on-year growth of 16.3%, stable growth in the market In the first quarter, industrial production continued to maintain a rapid growth trend, the above-scale industrial growth rate increased by 14.4%, compared with the three or four quarter last year, 0.9 and 1.1% respectively. Compared with the data gradation, there are still some problems in our economic environment, including:

1, the current economic rebound to a better foundation for further consolidation, but the vitality of economic growth is insufficient, the employment situation is still grim;

2, although in the expansion of domestic demand and improve the livelihood of the policy of continuous show effect, but the financial risk is more prominent, which is the tightening of credit policy this year, adjust the financial structure of the important starting point;

3, on social management, income distribution, housing, education, medical and other areas of economic and social outstanding problems still need to be strengthened to resolve;

4, the competitiveness of enterprises and market adaptability after the baptism of financial crisis significantly enhanced, but still the overall low innovation capacity.

In my opinion, the financing demand of households and enterprises in our country is more strong, the financing direction is more extensive, and the situation of economic trend is favorable to the stable development of bank storage business. For the network loan business, the economic and financial transformation, is precisely the change is favorable occasion.

--Analysis of social and cultural environment:

The loan business moves to the network, is what kind of social culture environment to its influence?

First, the change in the habits of the people's networks. The advent of the information age has changed the traditional social and cultural model of the people, the current Internet use rate is high, social habits to network closer to the obvious. As of 2010, the number of Internet users in China reached 457 million, net penetration reached 34.3%, compared to 2009 5.4%, of which, the use of mobile internet users more than 300 million people. By the end of 2010, China's Internet users had accounted for 4 of the global Internet population, 23.2% of the total number of Internet users in Asia 55.4%.

Secondly, it is the trend of the electronic commerce to go hot. The arrival of the information age intensified the development of E-commerce in China, the traditional enterprises began to enter the field of electronic commerce, business E-commerce has become the new subject of China's e-commerce, supplemented by the consumer shopping platform of the large area of the derivative, and this rapid development in recent years, especially in the past few years: 2007-2009 three The total amount of e-commerce transactions in China reached 2 trillion, 3.1 trillion, 3.8 trillion, the fastest growth in the "golden three years", and 2010 is a breakthrough 4 trillion mark.

Finally, the domestic credit environment has greatly improved, but the overall level is lower. Although the bank's non-performing loans at the end of the 1 quarter were 433.3 billion yuan, compared to the end of last year, the non-performing loan rate dropped to 1.1%, but the information flexibility of the credit system is not enough, the problem of the mortgage becomes more and more disturbing to the borrowers and the banking institutions, and the integrity environment of the whole society still needs to be built.

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. For bank loans, the offline loan business by system, business mechanism, staffing, network density and other factors, can not meet the financing needs of many borrowers and enterprises, open up the network loan business, can be regarded as the bank loan business Channel Development, enhance efficiency, "Look to the Future" initiative.

--Technical Environment analysis:

At present, the domestic bank network loans still have more significant technical bottlenecks need to break through, which is a key factor hindering the rapid development of network loans.

First of all, it should be noted that although the banking business of most commercial banks has been opened and formed a certain scale, but the level of business and credit business connectivity is still relatively poor, business type is limited, cumbersome service, security system is still outstanding, many banks of credit services do not have network docking port, resulting in window services still dominate, There are some obstacles to the efficiency of the overall credit work.

Secondly, the function of net loan is relatively lagging behind. At present, the net loan business of some banks, the network to submit information is transferred to the offline operation, loan efficiency can not be effectively protected, and did not achieve network pre-trial, evaluation of the relevant technology involved. System caused by the net loan "not favored" still obvious. At present, the Banking network loan system function is relatively limited, most of which can not be timely and effective to submit information to timely follow up.

        in my opinion, as the most important part of the banking business, the loan business still has obvious deficiencies in technology. However, considering that the real development of the network loan between the banks is still a matter in recent years, there is a high room for improvement. It is suggested that on the basis of establishing the Network Loan window, apart from the need for the line under the face sign, and so on, should be as far as possible pre-trial, assessment, repayment docking functions gradually moved to the network, but the need to achieve system and management of the corresponding adjustment, from the perspective of the future development, such adjustments is "to adapt to the trend."