Private bank pilot data to dominate

According to Shang Fulin, the pilot of 5 private banks will be carefully pushed forward in accordance with the principles of a mature one, and when these banks are able to open their businesses, it will depend on the maturity of their conditions. In other words, the timing of the listing is largely dependent on the pilot banks themselves.

The development of private banks in the preparatory process, the domestic enterprises are vague. However, according to the statement of the CBRC, 5 pilot private banks will adopt 4 kinds of models, each of which has its own special emphasis and characteristics. Ali side put forward "small deposit small loan", Tencent proposed "big save Small Loan", Tianjin's plan is "public deposit and loan", the remaining Shanghai, Wenzhou two of the plan is planned to operate in a specific region. Analysts believe that Ali, Tencent http://www.aliyun.com/zixun/aggregation/14294.html "> 's large data resources have an absolute advantage, which in their application program is also reflected, Ali, for example, includes the client resources of its current electric-business platform.

Tencent's official reply said, "according to the CBRC approval, Tencent will lead the establishment of private banks in Shenzhen, the current qualification review stage." Tencent will prepare the private bank in full accordance with the relevant laws and regulations of the CBRC to the private banks. On the basis of the traditional banking, Tencent will take advantage of the Internet industry, innovate the internet finance, and serve the users well in a more efficient and wider range. Details of bank preparation and business model are not disclosed. ”

"Thank the central bank and the CBRC for our trust, but also thank the many users of the expectations and concerns, we do and China Wanxiang Holdings Limited as a promoter of the application for private banking licences, is currently applying for data preparation stage, no other details can be disclosed." Ali side also low-key response.

There is news that the original Hangzhou Financial Office party secretary, Deputy Director Husheng law or will lead Ali Network Bank. According to the introduction, Husheng Law in Hangzhou Bank for many years, in the president of the performance, good reputation. Previously, he also served as a teacher of Zhejiang Financial Vocational College, Zhejiang Banks have the school students. August 2013 was transferred to the Hangzhou Municipal Finance office as deputy director. Hangzhou Municipal Government announced February 8 this year to remove the Husheng law of Hangzhou Financial Office deputy director of the post.

But there is a different voice for the possible governor of Ali Bank. "Not optimistic, do not have internet thinking people difficult to do, internet banking without precedent." "It is the opinion of a supervisory department. By implication, the next private bank to be established is not the traditional bank, but the Internet as the medium, based on large data, mainly to carry out supply chain financing of the new bank. So people who have been in the traditional banking business have not been bullish.

"Private capital is still very interested in holding banks," the head of an investment consultancy in Shanghai, a

. And the clients of private banks will be small micro-enterprises that do not conform to bank lending standards. "Because there is big data to support, the future private banks dare to lend to the banks do not dare to borrow money enterprises." "The person said.