How about online merchant bank?

The main sponsors of the online merchant bank are Ant Financial, Shanghai Fosun Industrial Technology Development Co., Ltd., Wanxiang Sannong Group Co., Ltd., Ningbo Jin Run Asset Management Co., Ltd., Hangzhou Dr. He, Jinzi Ham and other six shareholders. The online merchant bank is a Zhejiang online merchant bank funded by these six shareholders and used for online payment in Hangzhou. It is one of the first private banks in China. It was established at the end of September, 2065438+2004 with a registered capital of RMB 4 billion. Among them, Ant Financial, Shanghai Fosun, Wanxiang and Ningbo Jin Run hold 30%, 25%, 18% and 16% respectively.

The five private banks that have officially opened are Shenzhen Qianhai Weizhong Bank, Wenzhou Civil and Commercial Bank, Tianjin Jincheng Bank, Shanghai Huarui Bank and Zhejiang Online Commercial Bank. 20 14 12 16. Qianhai Weizhong Bank officially opened, and the online merchant bank opened on June 25th. Qianhai Weizhong Bank has the online advantages of online banking and is called "online banking".

The shareholders of online merchant bank are well-known in the industry, besides Ma Yun and Peng Lei, CEO of Ant Financial, they also include Guo Guangchang, Chairman of Fosun Group, Lu Weiding, President of Wanxiang Group, Shen Guojun, Chairman of Yintai Group (the major shareholder of Ningbo Jin Run), Shi Yuzhu, Chairman of Giant Group, Shi Yanjun, Chairman of Golden Ham, etc.

Jing Xiandong, president of Ant Financial Services, is the chairman of the online merchant bank, Yu Shengfa is the president and vice president, Tang is the chief information officer, product director and compliance director, Che Xuancheng is the head of the finance department, and Liao is the head of the internal audit department.

Online commercial banking business

Zhejiang online merchant bank initiated by Ant Financial Services officially opened. Jing Xiandong, chairman of Zhejiang Online Commercial Bank, said that the management team of the bank has all been put in place, and the specific business is expected to go online in July. Yu Shengfa, president of Zhejiang Online Commercial Bank, stressed that online commercial banks will focus on serving small enterprises, not making loans of more than 5 million yuan, not being the 20% head customers in the "28 Law", but serving 80% of the "long tail" customers through the Internet. He revealed that the online merchant bank APP will be launched in early July, and personal credit products will be launched first.

The online merchant bank account will be opened with Alipay users, and the specific business is expected to go online in July. The online merchant bank will undertake the small loan business of some Ant Financial Services, and start the credit business first, without an account system. The first product will be a personal loan product, claiming that the expected annualized interest rate of the loan is lower than the micro-loan of Weizhong Bank.

Users of online commercial banks

Small and micro enterprises, individual consumers and rural users are the three target customer groups of online merchant banks. As a supplement to existing financial institutions, online merchant banks should explore a new mode of operation, serve these three types of customers well and understand their real needs. For example, small and micro enterprises use loans, which are most interested in timeliness and hope to be "available at any time". In the past, the loan approval process of banks was relatively long. Some small and micro business owners joked that "loans can buy mats, and when money arrives, you can buy quilts." "The feelings and righteousness of online merchant banks are reflected in gaining insight into customer needs in advance, helping users solve problems in time and accompanying users to grow up." Yu Shengfa said.

At the same time, relying on the "always-on" feature of the mobile Internet, the online merchant bank will truly provide users with "anytime, anywhere and at will" financial services. For example, when small and micro business owners or entrepreneurs need loans, they can get loans by turning on their mobile phones. Zhao Weixing, vice president of Zhejiang Online Commercial Bank, described it this way: Relying on the analysis and characterization of big data, online commercial banks know users better than users themselves. "It's like sending an umbrella before it rains according to the weather forecast." In this way, online merchant banks can truly integrate financial services into the scene and fully meet the needs of users in all aspects.