The central mother says, the network bank this kind of tube

July 25 this year, the CBRC approved the Shenzhen Front sea micro-public banks, Wenzhou People's Bank, Tianjin Jincheng Bank three private banks to prepare for the application, Ali's Zhejiang Network Bank on September 30 to obtain approval.

Compared with the traditional bank, the biggest difference is that there is no physical network, no total branch organization. At present, China's banking industry related policy requirements, banks must establish a physical network, users need to go to the bank's physical outlets for the face sign. How does the Internet bank solve the problem of face signing? How to control the risk of money laundering? Where does no dot deposit come from? How does a bank card get sent? All these problems remain to be solved.

In the latest issue of "China Finance" magazine published a central bank Science and Technology Division director Wang Yonghong's article, on China's internet Banking development model and regulatory thinking. The financial charm to extract the dry goods:

1. Clear the principle of risk fallback

In order to prevent the network bank from carrying out "Divergent" innovation, leaving the innovation of the real economy and transferring the innovation risk to the society, it is necessary to clear the risk management subject of the Network Bank, to guide it to carry out the innovation which matches the risk control ability, so as to protect the financial consumer rights.

Financial Charm Li believes that the balance treasure in a short period of 7 months to the scale of 250 billion yuan, Tianhong fund to become the largest fund company in China. The characteristics of the Internet and the rapid arrival of the users make financial innovation and risk transfer can be transmitted to a large number of users in the shortest time, and the characteristics of the chain reaction after a certain number of breakthroughs, so there should be a clear risk management body.

2, improve the statistical monitoring index system

The article said that the capital adequacy ratio, provisioning, leverage, liquidity and other traditional regulatory indicators still apply to the Internet bank. In order to meet the needs of risk assessment and measurement, it is necessary to supplement the index of "Network bank influence and risk measurement".

In other words, in addition to the regulatory indicators of traditional banks, internet banks will encounter more regulatory indicators. Wang Yonghong also revealed several new indicators, such as coverage (including the number of registered users, active users, the number of networking institutions), the size of the transaction (mainly including the amount of transactions/national GDP, transaction amount/Total social and retail goods), service capacity (mainly including the amount of money paid, the amount of loans, etc.), Payment scale (mainly including the number of payments and the amount of compensation, the reasons for payment, compensation rate, etc.).

3, clear Network Bank to join large payment system

The article said that at present, all commercial banks have joined China's modern payment system (including large payments, small payments, online payments across the line of liquidation, electronic commercial drafts, cheque image Exchange systems, network banks to at least a large payment system, from its open in the People's Bank of the settlement account in the real time to complete a large payment across the line, Liquidation of funds for emergency petty payments.

In so many of the system, the most important is the big small payment system, said that the difference between the large payment system is equivalent to the Fed fedwire, the implementation of a real-time pay-for-money liquidation, but the large payment system is still a week Five days a day, only at work time open payment liquidation. Small payment system is a lot of liquidation, the payment instructions are packaged and submitted to the system, the system to calculate the amount of other lines to the net worth of money delivery, the system is 7*24 hours.

The large payment clearing system is only open to the financial institutions, and access to the large clearing system means that the network bank can realize the funds transfer between the fund account and all commercial banks.

4, study the Problem of network bank card issuing

The article says, if the network bank issues independent brand or foreign brand of entity card or virtual card (such as two-dimensional Code bank card), obviously will cause the bank card market structural changes. In a multi-bank card brand market, the people's Bank is necessary to "return" some of the card management authority to the bank card organization, by which to strengthen the issuing bank, the receipt of a single agency management and constraints.

The mother said, to put some authority back to the card organization, the current China's card organization only China UnionPay, in the near future, the Chinese silver link with a heavy power to repair the receipt of the market, emphasizing its as a card organization management and supervision functions.

Of course, the clearing market is opening, and the second and third UnionPay are brewing, and internet banking can seek innovative opportunities between different card organizations.

When it comes to issuing bank cards, you can use the current financial institutions popular "video Exchange" instead of interviews, face sign, face check and other links, the issue of virtual cards. But the financial institutions are still based on the entity network, "video communication" is applicable to the Internet bank?

In March this year, the virtual cards that Ali and Tencent cooperated with Citic Bank were an attempt to challenge existing regulatory policies, the result is an emergency call, the reason lies in violation of the "three pro" principle, that is, see himself, witnessed the original, witnessed my signature, until now there is no below, can be seen in the regulatory layer of the attitude of the virtual card is still resolute.

In fact, in foreign countries, there are many attempts to virtual cards, for example, MasterCard's InControl, the financial charm of the first few days before the experience, the consumption of the time without a credit card, you can temporarily apply for a virtual card, provided that there is a credit card, the virtual card is equivalent to the credit card, the consumer can preset the location of the transaction, The transaction method, after the card issuing organization and the card issuing bank confirmation can complete the payment.

If the central mother will be part of the management power "back" to the bank card organization, then the virtual card is a matter of sooner or later.

Virtual card through the Internet for approval, distribution, greatly reduce the financial institutions of the card-issuing costs, will be the existing card issuing mode, once released, will inevitably have a huge impact on the existing bank card profit model.