Whether banks need to revere the Internet

Nowadays, most of the electric business enterprises are in the loss, especially in the two years of emerging vertical-type electric business enterprises, cash flow into these enterprises can survive the basic, short-term liquidity of the lack of , resulting in these enterprises business progress is very difficult, Although various government agencies have made clear their position to support the development of local e-commerce, This aspect obviously does not have impact banking support for e-commerce; As you all know, The domestic E-commerce enterprise can maintain to today most is by the wind, can obtain the bank support the enterprise is very few, for those still in the loss stage of the emerging electricity business enterprise, premature introduction of venture capital will cause the valuation is too low, so try to obtain bank support is the urgent demand of many enterprises;

The information is submitted to see the net profit is negative, the bank personnel's first reaction is to shake his head, also means that this matter basically does not have, the banking inspection enterprise qualification first sees is the report, the report number is not even if the enterprise's prospect is infinite or the risk is almost zero, that also means to obtain the loan the probability is extremely low, Unless there is an asset that can be mortgaged, and even if the mortgage can obtain the mortgage rate will be low, causing this phenomenon mainly has two reasons, one is the bank has its own risk control system, to investigate the cash flow, profitability, balance ratio and other financial indicators, this is understandable, but risk control does not mean 0 risk, And many of the existing rating models can not quantify some qualitative indicators, the risk assessment system which takes the report as the main body has blocked some short-term microfinance loans with extremely low risk; Secondly, the traditional prejudices of the banking industry have made them develop the habit of "grasping the big and putting small", dismissive of small loans, mainly small loans, which contribute less to the performance, And the procedure is the same as large loans, saving resources into a denial of business excuses, which is already credit, internal audit and control personnel a tacit understanding;

In the Internet financial wind and the wind today, the major banks can still be such a safe sleep? June 13 Alipay to pay the balance treasure, To June 30 24 o'clock the cumulative number of users has reached 2.5156 million, accumulated into the capital scale of 6.601 billion yuan, accumulated for consumption of 1.204 billion yuan, as of June 30, the amount of money transferred to the capital of 5.7 billion yuan (including the Thursday 15 o'clock to Sunday after the purchase of the amount of unconfirmed). The big banks have finally seen the power of internet finance, have asked the regulatory layer to ban it, but the general trend has been difficult to stop; Beijing East in this year's open platform Conference, put forward the four major support for suppliers, one of which is supply chain finance, the early this year, the Beijing-east acquisition of online silver, and the formation of financial companies, Supply chain finance has been issued a scale, the financing of suppliers has reached 1 billion yuan; Beijing east, Alipay in doing business that banks once disdain to do, add up, penetrate the supply chain of various participants, through the internet means to innovate the traditional financial industry, this is the biggest threat to the banking industry; 2012 Total network retail sales have reached 1.26 trillion yuan, accounting for the total retail sales of consumer goods 6.1%, and the annual rate of nearly 70% growth, the circulation of products behind the flow of money, E-commerce has been to the entire retail industry infiltration, end-consumer funds flow is only a small part of the network transactions, Online shopping has brought together tens of thousands of businesses that have been trading on a larger scale, missed out on E-commerce and missed out on huge sums of money. The bias of the banking industry has abandoned the small capital markets with huge market space and lost the means of technology innovation and application in the process of capital operation;

Internet finance is still constantly innovating, banks will eventually realize that the Internet, E-commerce is strong, because they lost not only the benefits of capital, but more important is accustomed to innovative means of customer resources.

Author Introduction: Zhang Jianseng, this article is recommended by the creation (http://www.chuangxp.com).