Internet Banks Compete For The Market On New Year'S Day And Spring Festival. Is Your Wallet Ready To Drum Up?

The most fertile territory of the traditional industry banking industry will soon usher in a large number of new players, they are Internet Co without any financial background.

According to the world

In the past week, after millet announced the establishment of new network bank, suing and the United States group have been approved to build private banks.

Earlier, news came out that music was intended to bid for private banks in Shanxi.

At the end of 2014 and in the summer of 2015, Tencent's Micro public bank and ant Jin Fu's Internet Banking Bank were officially opened to the public respectively.

Unknowingly, Internet Co has joined at least 5 banks.

In fact, it is not the intention of the CBRC.

The company opens its privileges.

At present, there are 16 private banks approved to build in China, of which only 5 private banks are involved in Internet Co.

Even the first batch of 5 private banks allowed to build, there are only micro public banks and Internet banking banks, which have Internet Co background.

According to the banks currently approved for construction, the CBRC approved the preparation of 1-2 private banks in each provincial administrative region. The vast majority of the provinces currently only approved 1, and only Zhejiang Province approved 2.

The approval time and practice of 16 private banks are as follows:

The biggest difference between Internet Co and traditional enterprises in the banking industry is that the former mainly relies on online data, and the latter relies mainly on offline storefront to contact users.

Following the micro public banking and Internet banking, the new network bank claims to be the third internet bank, which means that these three banks will carry out pure online business, and will not set up offline entity stores.

Micro public banks rely on social data and the rest rely on e-commerce data.

According to Tencent science and technology statistics, in the 5 private banks with Internet Co participation, Internet Co is generally the largest or second largest shareholder. Among them, Tencent is the largest shareholder in micro public bank, ant gold suit in the network business bank and Suning cloud business in Suning bank, and its share is 30%, while Xiaomin's new network bank and the US group comment are second largest shareholders in the billion bank.

It is foreseeable that the business models of the 5 Internet Co will determine to some extent the future direction of the participating banks.

Throughout the Tencent, ant gold clothing, millet, Su Ningyun business and the US group comment on these 5 companies, only Tencent has the most obvious social attributes, and the other companies have more obvious electricity supplier attributes.

Tencent relies mainly on social data from WeChat and QQ. The ant's golden clothes can make use of the relevant company's Taobao's electricity supplier data. Millet relies on sales hardware and has accumulated a lot of electricity supplier data. Su Ningyun business and the US group reviews also generate lots of electricity supplier data because of the paction.

This means that micro public banks will mainly rely on Tencent's social data such as WeChat and QQ, and have to go different ways from other banks.

In fact, since its opening, there has been a huge difference in the positioning of micro public banks and Internet banking banks.

As the first private bank to open in China,

At the beginning of its establishment, it chose the Internet banking mode, and defined the positioning of inclusive financial "connector". Its goal is to have a large number of customers. In the future, there will be 3-5 billion QQ/ WeChat users with a wallet. Everyone can use microcredit loan, loan amount and time limit to choose freely.

However, although the micro bank has pioneered business, it can take advantage of data from social platforms like QQ and WeChat, and it has no immediate effect on financial services.

Fortunately, with the increasing number of WeChat payment and QQ wallet trading data, the data that future micro public banks can refer to will also increase.

In contrast, Ali's network business bank has a natural financial service foundation.

Ali's electronic business platform has many businesses, and many shopkeepers need capital turnover. The online banking bank can determine whether the other party has the corresponding repayment ability according to the paction data of Taobao.

According to the world

Shoes and hat nets know that the three main target customers of Internet banking are small and micro businesses, individual consumers and rural users.

The network business bank is positioned as the largest number of banks in China's small and micro enterprises. Its goal is to cover 10 million small and micro enterprise customers in five years, and solve the problems of financing difficulties and financing, which are plaguing these enterprises' progress.

Su Ningyun merchants and the US group comment on the two are similar to ant gold suit, have a large number of e-commerce data, and there are many businesses on the platform.

Therefore, it is easy for us to think that after a while, maybe a restaurant can borrow money from the union bank because of its comments.

For example, there are 450 business partners in the US group review. Through these data, we can find out a lot of financial potential.

If many businesses need to open stores, expand storefront or interior decoration, they may need capital turnover.

Although the new network bank claims to provide financial services for consumers and small and micro enterprises, Xiaomi also has a lot of paction data, but unlike ant Jin suit, sunning cloud merchants and the US group comment, the trading data of Xiaomi mainly come from the C side, and its platform does not have a large number of merchants, so it is difficult for businesses to provide loans and so on, which will mainly provide services for C end users.

In addition to referring to the data of the platform itself, the data of the central bank's credit data and other dimensions will also be included in the reference area. The bank will set up a model, which will determine whether a person can borrow or borrow the amount through multidimensional data.

A user paction data on WeChat is very good. Once the central bank's credit record is broken, even the Tencent staff will not provide loans for them.

Remote account opening is still a difficult problem.

"Internet banking can only be called a licensed technology company," he said.

In March 23, 2016, Ma Yuhua, former president of China Merchants Bank, pointed out at the Boao forum for Asia that the Internet banking and microblog banks had not solved the major problem of the two Internet banks.

In fact, before December 25, 2015, the central bank has issued the "Notice of the people's Bank of China on improving the management of individual bank account services to strengthen account management". Individual bank accounts will be classified management, and different accounts opened with different permissions. Remote accounts are also allowed.

Previously, micro public banks and Internet banking banks could not open their accounts remotely. They must rely on users to bind bank cards for authentication, and only open weak electronic accounts for users.

In the future, people can open accounts for their customers by using remote video.

But this is not what Internet banks really want to see, because only category I is the most functional account, that is, deposit account.

For the sake of user capital security, the central bank stipulates that as long as these banks can not provide staff on-site verification, they will not be able to set up the most functional class I households for customers, nor can they carry out deposits, cash withdrawals and other businesses.

But Internet banks do not have entity stores, so they can not set up a fully functional account for users.

As Ma Yuhua said, internet bank's most anxious problem is how to solve the problem of remote account opening. Micro public banks and Internet banking banks are praying for the arrival of the era of "brush face opening accounts".

Yu Shengfa, the former president of the Internet banking company, expressed sympathy for the micro public bank last year. He believed that the micro public bank opened for six months, but only for the smallest part of its customers, the microfinance product "micro credit" was opened.

It is worth mentioning that, in order to make preparations for remote account opening, the Internet Commercial Bank launched an attempt to identify the "brush face" inside the company last year. There is a big screen at the front desk of the Internet Banking Bank.

But today, remote bank accounts are still a common problem for Internet banks. It will take time to solve them.

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