Baixin bank (full name "CITIC baixin bank Co., Ltd.") jointly sponsored by CITIC Bank and Baidu Company is the first direct selling bank in the form of an independent legal person approved by CBRC.
Since 20 15, 165438 10, CITIC Bank and Baidu Company have announced that they are preparing to build baixin bank. After more than one year's efforts, baixin bank was officially approved by the China Banking Regulatory Commission on February 30th, 20 16. 20 17 was approved by China Banking Regulatory Commission on August 5th, and officially opened on August 8th, 20118.
Extended data:
1. baixin bank's market positioning is "financing for the people and financing for the public". Relying on CITIC Bank's strong product R&D and innovation capabilities, customer management and risk management and control system, as well as Baidu's Internet technology and user traffic resources, it will meet customers' personalized financial needs and build a differentiated direct selling bank with unique market competitiveness. It has launched three core businesses: consumer finance, microfinance and wealth management.
Li Rudong, President of baixin bank, revealed the future development ideas, saying that he would focus on smart inclusiveness and build core competencies such as smart accounts, smart risk control and smart services, mainly aiming at the gap that traditional banking services are weak and untouched.
2. On May 22, 2020, official website, the China Banking Regulatory Commission, announced that CITIC baixin bank Co., Ltd. (hereinafter referred to as "baixin bank") had approved its application for capital increase and share expansion and shareholder qualification. After this capital increase, the registered capital of baixin bank will increase to 5.634 billion yuan.
On August 15, 2020, baixin bank launched the first digital bank card in China-Baidu Flash Payment Card, which was jointly launched by Baidu, baixin bank and China UnionPay.
On June 65438+1October 65438+March 2020, baixin bank released its brand-new credit service brand Huahui, and together with MCA FunAge, it staged the first live comedy product launch conference in the financial circle in Aauto Quicker and Weibo.
Third, the main features
Baixin bank is a new operating mode of direct selling banks. Customers mainly obtain banking products and services through remote channels such as computers, e-mails, mobile phones and telephones. Because there is no operation and management cost of outlets, direct selling banks can provide customers with more competitive deposit and loan prices and lower handling fees.