2065438+On September 29th, 2004, China Banking Regulatory Commission issued a notice, agreeing to set up Zhejiang Online Merchant Bank in Hangzhou, Zhejiang Province. Ali's Ant Financial holds 30%, Fosun holds 25%, Wanxiang Sannong Group holds 18%, Ningbo Jin Run Asset Management Co., Ltd. holds 16%, and the shareholders of the remaining 1 1% shares have not yet been decided.
Yu Shengfa, president of the online merchant bank, said that the positioning of the online merchant bank is very clear, that is, it should be a useful supplement to the financial system and resolutely serve the "long tail" customers, especially the vast number of small and micro online merchants, individual entrepreneurs and ordinary consumers, especially rural consumer groups. Taking the loan business as an example, the online merchant bank is very clear that the loan business of more than 5 million yuan will not be done.
2065438+On June 25th, 2005, as one of the first five private banks approved by China Banking Regulatory Commission, Zhejiang Online Commercial Bank, initiated by Ant Financial as the major shareholder, officially opened.
Zhejiang E-commerce Bank Co., Ltd. is one of the first pilot private banks in China, which officially opened on June 25, 2005.
With inclusive finance as its mission, online merchant banks hope to use the technology, data and channel innovation of the Internet to help solve the problems of financing difficulties, expensive financing and lack of rural financial services for small and micro enterprises, and promote the development of the real economy.
Online merchant bank is the first bank in China to build its core system on the financial cloud. Based on the financial cloud computing platform, online merchant banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and can provide financial services for more small and micro enterprises by taking advantage of the Internet and big data.
The online merchant bank is positioned as the preferred financial service provider for online merchants, the explorer of Internet banking, and the practitioner of inclusive finance, providing services for small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions.
Ma Yun opened it. This is a bank. There is no physical store. Network operation. You can save money. Borrow money. Transfer money!
What is an online merchant bank? What products does online merchant bank have? Online merchant bank, a Zhejiang online merchant bank, officially opened in Hangzhou on June 25, 20 15 with a registered capital of 4 billion yuan. It was founded by six shareholders including Ant Financial, Fosun, Wanxiang, Ningbo Jin Run, Hangzhou Doctor He and Jinzi Ham.
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.
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.
What kind of bank is the online merchant bank? On June 25th, 20 15, as one of the first five private banks in China approved by CBRC, Zhejiang online merchant bank initiated by Ant Financial as the major shareholder officially opened.
Who is the online merchant bank? 1. Internet banking. It is a small and medium-sized bank. Because the online merchant bank has no physical business outlets. Unlike physical banks. There are business outlets everywhere. 3. Online merchant banks have no outlets. All businesses are applied and handled online.
What does online banking mean? Online banking is an additional business of bank card, which can be used for transfer payment and inquiry.
Online merchant bank refers to Ali's online merchant bank. Its loans and deposits are all done online.
Online merchant banks, like Weizhong Bank, also go to the counter and take small deposits and loans as one of their main businesses. Online merchant bank is an online bank, and deposits and loans are completed online.
Online merchant banks have no offline entities, and deposits may come from online transfers from other banks and Alipay. The main factors that determine the destination of users' deposits are interest rates and convenience. Judging from the current annualized rate of return of Yu 'ebao exceeding 4%, it is still unknown whether the deposit interest rate of online merchants can exceed Yu 'ebao.
For loans to small and micro enterprises, the amount will be much larger than personal credit, which is also an area that online merchant banks can reach by relying on the Ali system. Because there are shops, the risk of credit loans will be much reduced, but this short-term loan can't pay too much interest. Judging from the scale of online merchant banks, it can't make too much profit. Ali not only has to manage the loans of e-commerce sellers, but also has to manage the bank loans of pipe network providers, and it is also possible to lose sight of one thing and lose sight of another.
The loan business of online merchant bank is likely to coincide with Ali Small Loan. How to deal with the relationship with Ali Small Loan is a big problem.
Ant Financial, which owns Alipay, is the major shareholder of the online merchant bank, and the biggest profit brought to the online merchant bank is enough to open up the payment and settlement business and intermediary business.
Online banking means that bank cards can be traded online, such as online shopping and transfer.
I hope my answer can help you, thank you!
What is an online merchant bank? The online merchant bank is the first commercial bank whose core system is based on cloud computing architecture in China, which was initiated by Ant Financial as the major shareholder. As one of the first five private banks approved by China Banking Regulatory Commission, it officially opened on June 25th, 2005.
Chinese name
My bank
Foreign name
My bank
scope of business
bank
Corporate nature
private bank
Be allowed to be established
September 29, 1965 438+04
opening hours
2065438+June 25th, 2005
shareholder
Zhejiang Mayi Xiao Wei Financial Services Group