Traditional private Peer-to-peer network loan company, encounter rival-bank

Without any publicity beforehand, China Merchants Bank (10.60,-0.13,-1.21%) in its official online, has begun to secretly online Peer-to-peer network loan business, the business is not placed in the personal business, but stealth in its "small Enterprise e Home" platform. Under the endorsement of the implicit bank, CMB yesterday expected annual income of 6.1%, the target of the 50 million e+ robust financing projects, easy to complete fund-raising.

The official website of the merchant Bank of ICBC shows that this is called "E+ Steady Financing project" P 2P Net loan, starting from September 17, the smallest investment unit is 10,000 yuan, the initial one project financing only 580,000 yuan, then increases by the pen, in yesterday financing 50 million yuan, has financed 115.5 million yuan. and the official website shows that the repayment of funds for the bank payment vouchers, but for the specific content of bank cash vouchers, CMB in the financing plan has not been elaborated in detail, yesterday, the people of China Merchants also did not respond to the interview south.

Individual can easily buy, support credit card payment

This Monday, the central bank led a row of three and the Ministry of Public Security, the Ministry of Finance, the State Council Legal Office of the Investigation group to Shenzhen, for a one-day internet financial Research, research focus on peer-to-peer. According to media reports, the 1-day survey, the investigation team in the morning in Tencent research and visit, the afternoon went to China Merchants Bank and Ping An Bank (12.00,-0.01,-0.08%) survey.

and South all reporters through the visit to China Merchants Bank official website found that a "e+ Sound financing Project" new business in the line small enterprises e platform, since the start of the first September 17 project, so far, the project has been successfully issued 5, a total of 193 to attract capital, Cumulative total financing of 115.5 million yuan; among them, the latest phase of financing, in only 1 days, has 76 funds, attracting total project financing of up to 50 million yuan.

Reporter noted that the above 5-period financing of the minimum investment units are 10,000 yuan, the financing period from 177 days to 182 days, the expected annual return rate of 6.1%-6.3%. Most of the financing uses are expressed as "daily operating funds", "procurement funds", "supplementary enterprise liquidity" and so on. It is noteworthy that for each issue of financing projects, the Bank has reviewed and disclosed key information such as "Central bank credit record, recent financial statement authenticity, Credit pledge method, financing party's credit in the bank" and so on, and the source of repayment of the project, it is unified to indicate the "banking payment voucher".

Reporters through the trial of the business found that both individuals and small enterprises can register to login to the business platform, and the financing of the project to contribute to the minimum threshold of 10,000 yuan. From the way of payment, the business platform supports a variety of payment methods including UnionPay channels, and the investors are not limited to the customers of CMB, which also supports some of the bank's credit card payments. However, the reporter did not continue to try the credit card payment.

But Haitong Securities (11.63, 0.00, 0%) banking analyst Rui that compared to private peer-to-peer, the bank to build a peer-to-peer platform for financing security and risk control more advantages, and banks can use this platform, without occupying the bank's credit limit and loan ratio indicators, Meet the credit demand of small micro enterprise customers.

Whether the bank assumes the risk is not clear

CMB is currently a low-key new business, as at the time of press, the bank did not have the relevant content of the business interviewed south. However, people close to the business said that the business has been documented by the regulatory authorities and received regulatory approval, but because the new business has just been online, the relevant content is still improving and improving, so it is inconvenient to large-scale promotion.

Haitong Securities banking industry analyst Rui that the business and Ping An group of the Lu Jin is currently carrying out a very similar business, are based on the Peer-to-peer business platform built by financial institutions. "With Ping an group through subsidiary Lu Jin operation is different, China Merchants Bank is a traditional commercial bank's role to establish Peer-to-peer platform, in financing security and risk control more advantages, should assume part of the business risk." "The Peer-to-peer projects made by banks look more like wealth management products, but their yields are significantly higher and they are more attractive to customers with smaller risk preferences." ”

"Banks to do Peer-to-peer, on the one hand, can avoid the control of credit line and the ratio of banks to deposit and loan ratios, as much as possible to meet the credit needs of their SME customers; On the other hand, through product distribution and creation, banks may reap a lot of intermediate business income, which should be said to be "Rui thinks.

Guo, director of the China Banking Research Center, a professor at the Central University of Finance and Economics, said that the Peer-to-peer platform created by banks is essentially a kind of commissioned loan business. "Since it is a commissioned loan, the bank, while having a professional advantage in project due diligence and risk control, should not endorse the financing project or take any risks." "Guo," the combination of traditional banking and internet finance can quickly do business scale, should be regarded as a bank in the interest rate marketization process and explore the road of innovation. ”