1. Introduction of Zhejiang E-Commerce Bank:
Based on the financial cloud computing platform, e-commerce banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion by using the Internet and data technology. As a bank that focuses on providing financial services to more small and micro enterprises and individual operators, the mission and vision of online merchant bank is "meticulous"
In recent years, the development of science and technology has greatly improved the availability of small and micro loans in China. More than 30 million small and micro operators have used non-contact loans from online merchant banks, with an average household loan of less than 40,000, and 70% have never obtained bank operating loans in the past.
Two. Brief introduction of private banks
In the next five years, "building an open bank with China characteristics" will be the core strategy of online banking. Driven by science and technology, online banking will be further opened to supply chains, rural areas and financial institutions, and adhere to the principle of low profit and universal benefit. Online banking hopes to provide new ideas for the development of global open banks through practice.
At present, there are three definitions of private banks in academic circles: property right structure theory, asset structure theory and governance structure theory. The theory of property right structure holds that private banks are controlled by private capital; According to the asset structure theory, private banks mainly provide financial support and services for private enterprises; According to the theory of governance structure, all banks that adopt market-oriented operation are private banks. These three definitions list the characteristics of private banks from one side, but fail to form a comprehensive understanding of the essential characteristics of private banks.
The capital of private banks mainly comes from the people, and the pursuit of profit maximization is stronger. If there is no sound supervision mechanism for effective supervision, private banks will often close down because of risk problems. A very important motive for private enterprises to run banks is to build a fund platform for enterprises to facilitate their financing. Once the affiliated enterprises have problems and the loans cannot be repaid, private banks will face great risks.