State-owned Dahon, shares of the Internet between the financial war is in full swing

State-owned Dahon, shares of the Internet between the financial war in full swing, the city firm quietly joined the battlefield.

According to "China Business" reporter understands, at present many city businesses in the field of Internet finance to speed up the pace, through the online channel to break the geographical restrictions, make up for shortages of outlets. Learn from some large banks in the Internet financial innovation experience, City Commercial Bank and other agencies through cooperation to enhance their own strength.

In addition, some powerful city commercial banks have even set up financial platforms and P2P platforms to accelerate the exploration of innovative businesses based on the Internet and finance.

Online "business classics"

Zhejiang Bank and Business Bao to start a strategic cooperation; Burson-Marstel Bank build "Pony Bank" comprehensive financial platform; City Commercial Bank to prepare P2P ... ... For a time, City Commercial Bank quietly pace of Internet finance speed.

"City Commercial Bank outlets are limited by the regional business policy restrictions, so access to online channels is particularly important." Hankou stakeholders said that from the present point of view, direct access to the bank through the network accounting for the proportion of customers and transactions continue to improve, not only save The bank cost, the process of operating mode also reduces a lot of unnecessary trouble.

The source believes that most bank physical outlets will face queuing issues, and the best solution is to move the business online. "Compared with the big firms, the city commercial banks on the Internet will be weakened weaknesses, competitiveness should be stronger."

"Everyone is grabbing this piece of cake, the pace is closely followed." Huaxia Bank branch in Wuhan said the bank is also through the Internet, WeChat and other ways to achieve business network transformation.

Data show that as of now, the bank's online banking customers 5966 number, coverage 60.11%. In addition, the number of personal mobile banking customers reached 29,800 in terms of the mobile terminal-based "WeChat Banking", the number of mobile banking accounts transactions was 83,000 and that of personal electronic banking transactions was 972,000.

"More and more individuals and businesses are accustomed to using the Internet to handle banking business, City Commercial Bank is also seen one of the opportunities." The Hankou bank said.

Bank of Shanghai branch opened in the first half of the occasion, the bank president Xu Zhengliang frankly said that with the rapid development of Internet finance, the traditional banking business has been a huge impact on the Bank of Ningbo, which is both a challenge and an opportunity for a small bank In terms of, there is no such a big bank outlets, and e-banking channels can maximize the extension of network services. Therefore, Bank of Ningbo attaches great importance to Internet finance and mobile finance. The launch of online banking, mobile banking and self-service banking services lead the industry. This year, Ningbo Bank will also launch "Direct Banking" and "WeChat Banking."

As a city commercial bank listed in the same period, Bank of Nanjing is also true. Lin Fu, chairman of the bank, put forward the strategic plan for the next five years in which the development of Internet finance business occupies an important position.

"After all, the bank's Internet finance is a process of snatching deposits and looting customers over the Internet." A brokerage bank analyst said the internet has given banks a client or customer base.

On June 25, Zheshang Bank signed a strategic cooperation agreement with Business Wire, announcing that it will conduct multi-level and multi-area cooperation in e-commerce and internet finance. The two parties identified the B2B e-commerce platform based on "Small Portal + Alliance" of Business Bao, launched the financial service model of online payment and fund management, and conducted cooperation in the fields of credit rating, customer recommendation and settlement business.

Bank of Nanjing and Bank of Jiangsu are the credit loan products that cooperate with CUP to launch POS credit, based on the advantages of Internet technology and big data mining. User information is analyzed through dynamic information such as the settlement amount of users' POS, and unsecured for small and micro customers , Unsecured pure credit loan.

In the first half of this year, Harbin Bank cooperated with Quick-Money Company to locate its cooperation in several aspects such as "fund area, product innovation, customer sharing and management platform".

"In the past two years, banking policies have tended to favor micro-credit, and the biggest obstacle to micro- and micro-loans is the lack of information, which the Internet has made up for. Therefore, the cooperation between banks and Internet companies such as electricity providers is unforgettable." A city firm The head of the credit department said that there is not much difference between the city commercial banks and the big banks in such cooperation, but the market space is not small.

What is more news is that private banks, which have been attracting much attention, may be allowed to open their businesses by the end of the month. The first private bank in Qianhai to settle in Shenzhen is Internet banking. There is no doubt that online business will be the bank's main front.

City commercial test water P2P

In addition to routine online financial business grab deposits, grab customers, some city commercial banks are also seeking business extension, and gradually try to business innovation, get rid of the traditional business restrictions.

Following the Ping An Bank, China Merchants Bank, Huaxia Bank are involved in the field of P2P, City Commercial Bank also intends to keep pace.

Baoshang Bank, which grew up as a leader in small and micro loans, recently launched the "Pony Bank", the first major internet banking platform in China. Its functions include conducting risk assessment on customers, providing customers with professional financial services based on their risk appetite and financial status Guidance and financial products configuration advice.

It is reported that on the initial stage of the "Pony Bank" aimed at investment and financing debt service, the debt platform and the introduction of small and micro Commercial Bank Loan project docking, investors may benefit from 7% to 8%, the corresponding small Micro-enterprise project loan interest rates at 15% to 18%, "Pony Bank" in which only as an intermediary platform.

From a functional point of view, the intelligent platform integrates a number of functions such as P2P platform and wealth management platform, and also takes an important step for the urban business to enter the field of P2P.

It is understood that some strong city commercial banks have been intending to build P2P platform, the preparatory work is ongoing, the purpose is to solve part of the financing of small and micro customers.

Earlier, many bank employees even resigned to do P2P platform to connect some projects through the bank's relationship. In fact, banks can also try to build this platform. Compared with bank deposits, bank financial, monetary fund, P2P income is higher A lot, there is no such a high threshold of trust investment, so banks can retain customers in this way, and even another part of the investors to attract. "A city business people told reporters.

He believes that the biggest obstacle in P2P today is the low threshold, resulting in the project false, difficult to guarantee the security of funds have occurred. In the name of city commercial banks to build P2P platform, both in strength and credibility will be much stronger, more conducive to the protection of investor returns. "City Commercial Bank P2P early introduction of the guarantee mechanism.The role of the bank is to review the small and micro enterprise financiers, guarantee the company to asset-backed, assume irrevocable joint and several liability, so as to reduce the risk of investment repayment."

According to the source, Ping An Group set up Lu Jin as large commercial banks involved in P2P open the imagination, but also the city commercial banks to explore P2P reasons. "P2P's deposit-loan intermediation function is similar to that of a bank, which will pose a relatively large threat to banking business in the future, and it may be better for banks to follow the market and actively explore this area."

"More importantly, from the perspective of the China Banking Regulatory Commission, banks are conducive to supporting the policy orientation of small and micro enterprise financing after they are involved in P2P. It is also a good way to try small-scale operations from the city commercial banks," said the city commercial firm.