Zhao Qingming: Optimistic About Alibaba Led Zhejiang Internet Banking Mode

The China Banking Regulatory Commission announced on the 29 day that it approved the establishment of two private banks of Zhejiang Internet Banking Bank and Shanghai Huarui bank. In addition, more than two months ago, the Qianhai micro public bank, Tianjin Jincheng bank and Wenzhou civil and commercial bank were authorized to build the 5 private banks.

The industry believes that the preparation of private banks, such as Internet banking, is bound to bring "catfish effect". When launching new products, introducing new models and intensifying market competition, it will bring new support to financing of small and micro enterprises, but the effectiveness remains to be tested by the market.

The five pilot private banks have their own expertise. The name of "Internet banking" makes the market full of expectations. The head of the network business bank said that the Internet commercial bank is the Internet commercial bank. It hopes to use the Internet technology, the Internet concept, especially the Internet credit, to provide financial services suitable for small and micro businesses and individual consumers, and expand the boundaries of the network business.

The official said that the network business bank will adhere to the small deposit and small loan business mode, mainly to meet the investment and financing needs of small and micro enterprises and individual consumers. It mainly provides deposit products under 200 thousand yuan and loans products under 5 million yuan.

Zhao Qingming, chief macroeconomic researcher of Beijing Financial Derivatives Research Institute, is more optimistic about Alibaba's leading Zhejiang Internet banking mode. "Ali has accumulated a lot of experience in making small loans in the past few years. The huge active electricity supplier means that there are enough customer sources to support banks and effective wind control measures. Play well Internet And the role of big data can achieve bulk lending and reduce costs. "

　　 Junyao Group And Metersbonwe's "private capital + industry" background makes Huarui bank have the unique advantage of mastering customer resources and understanding the real economic operation needs. The chief executive of Huarui bank said that it will give full play to the advantages of the private sector and give full play to the characteristics of the Shanghai free trade zone and form an exclusive financial product and service system covering the "settlement, investment, financing and trading" for the free trade area, and explore a solution for the financing difficulties and financing of small and medium-sized enterprises, so as to better serve the real economy.

Prior to the approval of three private banks, in addition to Tianjin Jincheng positioning for public business, Shenzhen Qianhai micro public bank's positioning is personal consumers and small and micro enterprises, Wenzhou civil and commercial bank located in small and micro enterprises, individual businesses, residential residents, county "three rural".