In recent years, the transformation of the banking industry has been in full swing. Banks have changed their traditional and conservative images and have continued to innovate on the road of openness and inclusiveness. "Open banking" has gradually entered people's attention and has become a hot topic of discussion. Among them, Internet banking shows its young and energetic characteristics.
Sichuan Xinwang Bank is the third in the country after WeBank and Internet Commercial Bank, and it is also the first Internet bank in the Midwest. It was established by shareholders such as New Hope Group, Xiaomi, and Hongqi Chain. It is actively exploring the innovative development path of a new generation of Internet banks with its characteristic business model of "digital inclusiveness and universal connection", relying on the power of technology and openness.
As of the end of July 2018, the number of users of Xinwang Bank exceeded 15 million, and the accumulated loans exceeded 90 billion yuan. According to the data in the first quarter, Xinwang Bank has turned losses into profits and achieved a net profit of about 57 million yuan.
Universal connection, actively cooperating as an Internet bank "live in mobile phone", Sichuan Xinwang Bank will gradually cover all kinds of life scenarios of users, as long as users need, "one-click" and "second speed" can be customized Financial Services. At present, relying on the open financial platform, Sichuan Xinwang Bank has carried out in-depth cross-border integration with multiple scene platforms such as e-commerce, mobile communications, dairy, and second-hand cars to meet the fragmented financial needs within the closed loop of the scene, and further expand the radiation. Radius, deepen the advancement of digital financial inclusion. 1 Connecting to many scene platforms and opening branches to other people’s apps is different from traditional banks relying on offline branches to expand users. Xinnet Bank only has an offline concept experience hall and does not do specific loan business. Online banking adheres to the "universal connection" characteristic play, that is, relying on big data risk control capabilities, building an open financial platform, and in-depth cooperation with multiple scenario platforms and traffic platforms, "universal connection" of funds, assets, traffic, and scenarios , Data, etc. Within a year and a half, Xinwang Bank has connected with Ant Financial, China Mobile, China UnionPay, Ctrip, Lufax, JD Finance, Meituan, Didi, Toutiao, Uxin, Meili and other institutions. Opened the outlets to the partner's APP.
For example, Ctrip generates a large number of users who travel for air tickets and scenic spots every day, Meituan has a lot of take-out and catering users, and there are many platform apps based on life scenarios, which generate rich user data and traffic every day. By connecting with the best of these scenario platforms, Xinwang Bank will export big data risk control capabilities and precise marketing capabilities to provide users active on these platforms with accurate and appropriate financial services, which not only expands its business scale, but also enables Xinwang Bank This kind of just-started bank provides a valuable opportunity to gain popularity in a short period of time.
Novelty Milk Caps During the World Cup this year, Xinwang Bank and Xinwang Dairy achieved cross-border cooperation and opened Xinwang Bank’s outlets to hundreds of thousands of yogurt bottles overnight. When users drink yogurt, they can scan the QR code. You can enter Xinwang Bank for online financial services. This special marketing method, which breaks the norm, took advantage of the hot spots of the World Cup to rapidly increase the popularity of Xinwang Bank, making this cross-border integration with Xinwang Dairy a great success. 2 Connect the capital end and achieve a win-win situation with other financial institutions. As a newly established Internet bank, it needs a process of gradual development and growth. To better serve the user base, it needs more sources of funds. At the same time, there are many three or four For financial institutions in first-tier cities, funding is their strength, but they are not good at exploiting the asset side.
Therefore, Xinwang Bank has also established connections with dozens of financial institutions and banking institutions in the same industry. Through the establishment of an open financial platform, Xinnet Bank will connect funds and assets to maximize the efficiency of financial communication.
In April 2017, New Online Banking and Xingongfu.com signed a bank depository agreement and formally reached a strategic cooperation. Gongfu.com is built by the development team of Alibaba's Yu'ebao, Ping An Bank, Minsheng Bank, China Guangfa Bank and other financial teams. It is a financial technology network lending intermediary platform approved by the Shenzhen Municipal Administration for Industry and Commerce. It is also a member of the Shenzhen Internet Finance Association. .
The reason why we chose to cooperate with Gongfu.com is not only because the core team of Gongfu.com has 15 years of financial accumulation, but also because of the common Internet genes of both parties, focusing on providing users with the highest quality experience and common goal of service. Cooperation to provide users with the best investment and financial management services while ensuring the safety of users’ funds. The systems of Xinwang Bank and Winwin.com have a high degree of matching, which can be said to be "seamless connection". User accounts, transaction data, and account fund information will be migrated to the new system together. More effectively reduce the technical development cost of docking, improve docking efficiency, share resources faster, and achieve a win-win situation for both parties.
Xinnet Bank’s financial open platform is for various partners and users of the bank, providing them with flexible and convenient SDK, API, and plug-and-play H5 access methods. Based on the interface provided by the open platform, it is like a large-scale The financial "Hundred Treasure Toolbox" customizes and publishes relevant applications according to the individual needs of customers, and strives to create financial and non-financial functions including account management, financial consulting, investment and wealth management, loan services, mobile payment, people’s livelihood payment, and life services. "Hybrid" services will finally realize the full opening of "technology, products, services, and cooperation".
Stepping up on the road to "inclusive finance" For a long time, the availability of financial services for small and micro groups is low and the cost of obtaining it is high, resulting in "difficult financing and expensive financing" as a common phenomenon. In order to meet the needs of inclusive finance, take financial technology and big data risk control as its core capabilities to build and innovate, and use cloud computing, big data, artificial intelligence and other new-generation Internet technologies, which is the 80 of the "28th Law". % Small and micro groups that do not enjoy complete financial services, provide safer, more convenient and more efficient financial services, and use the power of technology to be a complement and explorer of inclusive finance.
In order to solve the two traditional problems of "difficult financing" and "expensive financing", the emerging Xinwang Bank has exerted its "new born calf not afraid of tigers" and daring to innovate. At the beginning of the establishment of the bank, it started to build an all-on-line banking system independently, and adopted the mode of electronic receipt, automatic approval, and full-line operation to reduce the marginal cost of financial services and break the traditional offline branch application and paper entry Complicated procedures such as documents, manual approvals, etc. not only effectively lower the user’s loan application threshold, improve the efficiency of online financial services, but also reduce the marginal cost of financial services, continuously satisfying the challenges of low customer unit prices, short deadlines, high frequency, and difficult risk identification. Fragmented financial needs.
Take Xinnet Bank’s financial service "Good People Loan" as an example. The product is borrowed and repaid, and the interest rate varies from person to person. The product is efficient and convenient, and the product is now interfaced with more than 20 financial companies. Among them, Xinwang Bank and Sichuan Hui'an Rong Information Technology Service Co., Ltd. have made the fastest progress in promoting "Goodrendai". Now they have successfully opened an interface for "Goodrendai" at the Huihua cashier counter independently developed and operated by them. That is, the cashier counter of Huihua. After cooperating merchants apply for the "Good People Loan" and fill in the relevant personal information, they can obtain the credit of an unsecured pure credit loan in a simple three-step operation. The loan will be released within 1 minute and the account will arrive on the same day. There is no time limit, and there is no need to go to the bank's offline branch on the spot. "Goodrendai" has greatly improved the lending process of traditional financial institutions, facilitated user experience, and demonstrated that Xinwang Bank has truly achieved inclusive finance in the operation and use of financial products.
Such convenient and efficient digital inclusive financial services benefit a wider range of people. With convenient and open connections, information flows, capital flows, users, and products from all directions can be connected and adapted to reduce capital flows and information flows. The frictional resistance in the transmission process truly improves the efficiency of financial communication.
"We are willing to be a seed to build an industrial cluster in series." said Jiang Hai, chairman of Xinwang Bank. "I think that only physical polymerization can bring about chemical reactions, and chemical reactions are immeasurable. Xinwang Bank is still present. It's just a beginning. We hope to contribute to Chengdu's construction of a national western financial center."
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