Internet Banking: What Is The Key To "Two Horse" Competition?

The Zhejiang Internet Banking Bank will adhere to the business mode of small deposit and small loan, which mainly provides deposit products under 200 thousand yuan and loan products under 5 million yuan.

Based on Ali small loan network business bank advantage is clear at a glance.

Owning the huge data of Taobao Tmall, low cost and high efficiency of wind control: the bad debt rate of small and micro gold clothing is less than 1%, far below the bad debt rate of about 2% of the traditional banking institutions. The average loan amount is not more than 30 thousand yuan, less than 1% of the traditional bank; the cost of the single loan is 2.3 yuan, and the traditional bank is about 2000 yuan.

Ali loan cycle is only 1.25 weeks, the daily interest rate of about 0.05%, that is, monthly interest rate of about five, excluding taxes and fees, profitability is still amazing.

The success of Ali's small loan lies in its data analysis. Its micro loan department data analysis staff accounted for 20% of the total team number, the wind control team data analysis staff accounted for more than 50%, while the proportion of general financial institutions was only about 4%.

With the support of big data, credit analysis and payment system, the traditional banks can not compete with the network business banks in the small and micro businesses' loans and consumption loans. This is a closed, self-contained credit chain.

In the past, small loan companies were restrained, and the amount of money raised from the banking financial institutions should not exceed 50% of the registered capital. After becoming a bank, they have the ability to absorb money, and the scale of Ali's small loan will increase sharply.

The growth frontier is risk control.

Alibaba small loan has big business data, once leaving this data, for Ali, it is "Dead Sea", it can not get other data from retail stores, large enterprises and banks, unless cooperation is launched.

Cooperation has begun but failed to solve life gate.

For example, the introduction of Haier into the first direct investment cooperation external organization, Haier group's initial investment of 30 million yuan, by Ali small loan cooperation credit institutions (banks, small loan companies) loans, Ali small loan provides credit and wind control, lending to Ali small loan screening small and micro enterprises.

The risk control is still completed by Ali. Unless Ali can prove that an efficient risk control system has been developed online, it will be difficult to duplicate Ali's small loan.

Ali financial so direct investment, to the next line of consumer loans, will be competing with the existing traditional financial institutions in the Red Sea, who can win is uncertain.

In contrast, Tencent with the largest social platform is lagging behind in the financial sector.

In July of this year, Qianhai micro public bank was granted a registered capital of 3 billion yuan, and its main shareholders were Tencent, Bai Ye yuan investment and Li Ye group, holding 30%, 20% and 20% respectively.

Many of them are ambitious, and their recruitment executives have high status.

Liang Yaolan, deputy general manager of former Lu Jin, and Wan Jun, head of the payment and settlement Office of the Shenzhen central sub branch of the people's Bank of China, served as vice president and responsible for operation and management. He served as vice president of the Shenzhen banking regulatory bureau, director of policy and regulation, and served as the vice president in charge of the background and audit.

The three way, all the way to do credit cards, consumer loans, all the way to continue Lu Jin mode to do Internet credit, all the way to settle the background, audit and payment settlement.

Sounds good. Tencent also has its own.

The huge WeChat users will be able to pay if they sweep away.

But please wait a minute. What about the risk control of micro public? After all, Tencent does not have its own electronic business platform. There is no ready to analyze big data system. Through WeChat, advertising can be carried out, but no closed trading system is formed. After all, people use WeChat to communicate with friends in real time, instead of buying a dress and a bag of rice.

Tencent has huge data, a first-class big data analysis team, and can even analyze the age and interest preferences of people sticking to the Internet after zero point, so as to launch corresponding TV and advertising, but Tencent big data analysis has not tried the Internet Finance yet, and the cattle team does not understand the Internet.

Analysis is also in vain.

If we find effective models of credit stratification from payment methods or entertainment modes, then we can truly succeed.

A kind of

Since there are so many peaceful people to join, perhaps Lu Jin is based on Ping An's flag.

Risk control can help the small crowd.

According to Lu Jin, chairman of Kwai Tsun in June 21st this year, the bad debt rate of Lu Jin's P2P business is only 1.5%. In the case of Ji Kui Sheng, it is expected that over time, the bad debt rate will rise to 7% to 8%.

At the same time, WeChat also cooperated with the electricity supplier to get electricity supplier data. In August 29th of this year, Wanda signed a contract with Baidu and Tencent to invest 5 billion yuan to set up Wanda electronic business platform. The total investment in 5 years will be close to 20 billion yuan.

Can the marriage of 3 giants bring data sharing? Go and cherish it.

The key to Internet banking competition is scramble for data and compete for analysis. Ali has some advantages at present.

But Tencent's huge user payment data can be analyzed to make its future imaginative.

In terms of Internet finance, the advantages of traditional banks have disappeared, and from this point, Internet finance has won.

The problem is that as an Internet company, there will be a period of exploration in the operation of private banks, and the demand for risk control capability will be higher.