In order to let everyone know more about the business development and experience of "the largest bank depository", the Big Data Research Institute made a statistical analysis of the depository access platform of Huaxing Bank, and made a special evaluation on the use of fund depository accounts.
1. The development of funds depository business of Huaxing Bank: the most access, mixed fish and dragons.
Guangdong Huaxing Bank is a mixed-ownership commercial bank established in August, 201/kloc-0 with a registered capital of 8 billion yuan, registered in Shantou Special Economic Zone and headquartered in Guangzhou. At present, eight tier-one branches have been established in Guangzhou, Shenzhen, Foshan, Dongguan, Shantou, Jiangmen, Zhuhai and Huizhou. By the end of 20 17, the bank's assets exceeded150 billion yuan.
In terms of scale, Huaxing Bank is not conspicuous among many "Big Macs" in the banking industry. However, as far as the fund deposit and management business of online lending platform is concerned, Huaxing Bank is firmly in the top spot, and has accessed 92 platforms as of March 29th, 20 18. Through statistical analysis, we can find that these platforms have different scales, different background qualifications and wide geographical distribution.
1. Operation time analysis of access platforms: 2-3 years is the main period, and some access platforms are younger than 1.
Figure 1: Operation Time Distribution of Huaxing Bank's Access to Fund Depository Platform
Source: Big Data Research Institute
As of March 28th, 20 18, of the 92 platforms deposited by Huaxing Bank, 2 platforms were under operation 1 year, of which 3 platforms were operated 1 year, 30 platforms were operated for 2 years, 46 platforms for 3 years, 7 platforms for 4 years and 3 platforms for 5 years, only 65,438+.
2. Background distribution of shareholders of Huaxing Bank depository platform: mainly private sector.
Figure 2: Backstage distribution of Huaxing Bank's fund depository platform accessing shareholders.
Source: Big Data Research Institute
As of 2065438+March 28th, 2008, among the 92 platforms deposited by Huaxing Bank, 3 platforms have obtained venture capital; 8 the background of shareholders is the state-owned assets department; The background of three shareholders is listed; The 78 platform is a private sector.
3. Geographical distribution of depository platforms of Huaxing Bank: mainly local platforms such as Shenzhen and Guangzhou.
Figure 3: The geographical distribution of Huaxing Bank's access to the fund depository platform
Source: Big Data Research Institute
As of March 28th, 20 18, among the 92 platforms deposited by Huaxing Bank, Shenzhen has the largest number, reaching 43; Followed by Guangzhou, reaching14; There are 1 1 in Beijing and 5 in Shanghai. In addition, Hefei, Ningbo, Chengdu, Dongguan, Wuhan and other cities also have platforms to deposit with Huaxing Bank. Considering that Huaxing Bank is headquartered in Guangdong, non-Guangdong platforms may face the challenge of localization principle.
4. Distribution of paid-in capital of the depository platform of Huaxing Bank: mainly small and medium-sized platforms.
Figure 4: Distribution of paid-in capital of Huaxing Bank accessing the fund depository platform.
Source: Big Data Research Institute
As of 2065438+March 28th, 2008, among the 92 platforms deposited by Huaxing Bank, the number of platforms with paid-in capital less than or equal to 20 million accounted for 32.93%, of which some platforms had paid-in capital less than 5 million. The number of platforms from 20 million (excluding) to 40 million accounts for14.63%; 40 million (excluding) to 60 million platforms accounted for 37.8%; The number of platforms from 60 million (excluding) to 80 million accounts for 2.44%; The number of platforms ranging from 80 million (excluding) to 100000 accounts for10.98%; The number of platforms with paid-in capital greater than1000000 accounts for 1.22%.
5. Statistical distribution of trading volume and scale of depository platforms of Huaxing Bank: 6.02% of the platforms have a cumulative trading volume of less than 50 million.
Figure 5: Cumulative transaction distribution of Huaxing Bank's access to the fund depository platform
Source: Big Data Research Institute
As of 2065438+March 28th, 2008, among the 92 platforms deposited by Huaxing Bank, the number of platforms with accumulated turnover less than 50 million accounted for 6.02%; The number of platforms from 50 million (excluding) to 654.38+0 billion accounts for 6.02%; 1 100 million (excluding) to 500 million platforms accounted for 28.92%; The number of platforms from 500 million (excluding) to 65.438+0 billion accounts for 265.438+0.69%; The number of platforms from 654.38+0 billion (excluding) to 2 billion accounts for 20.48%; 2 billion (excluding) to 5 billion platforms10.84%; The number of platforms exceeding 5 billion accounts for 6.02%.
Figure 6: Distribution of the total amount to be repaid when Huaxing Bank accesses the fund depository platform.
Source: Big Data Research Institute
As of 2065438+March 28th, 2008, among the 92 platforms deposited by Huaxing Bank, the number of platforms with outstanding balance less than 50 million accounted for 27.69%; The number of platforms from 50 million (excluding) to 654.38+0 billion accounts for 23.08%; 1 100 million (excluding) to 300 million platforms accounted for 32.31%; The proportion of platforms from 300 million (excluding) to 600 million12.31%; The number of platforms from 600 million (excluding) to 65.438+0 billion accounts for 3.08%; The number of platforms exceeding 1 100 million only accounts for 1.54%.
6. Summary
From the data analysis of the online lending platform of Huaxing Bank's fund deposit pipe network, such as operation time, shareholder background, location, paid-in capital, accumulated transaction volume and balance to be repaid, it can be seen that the platforms accessed by Huaxing Bank are mixed, and some platforms have been in operation for less than one year, and the accumulated transaction volume is only several million. Huaxing Bank's docking platforms are mostly private sectors, without strong shareholder background, and there are certain operational risks. According to media reports, at present, among the platforms connected by Huaxing Bank, three have closed down and five have difficulties in withdrawing cash. Although the regulatory provisions do not require banks to be responsible for the operational safety of accessing online lending platforms, from the perspective of maintaining their own goodwill, they also need to pay attention to the access and daily monitoring of accessing platforms.
Second, the user experience of Huaxing Bank's fund depository: the process is compliant and the experience needs to be improved.
The whole process of user experience of Huaxing Bank's fund depository account includes the steps of depository account opening, real-name authentication, successful account opening, bank card binding, recharging, investment and cash withdrawal.
1. Opening deposit account:
I choose a platform to experience. After the platform is successfully registered, you can directly open a depository account. After entering the name and provincial certificate, the page will jump to the account opening page. Users need to check the contracts such as Instructions for Depositors of Guangdong Huaxing Bank, Third Party Agreement for Customer Depository Business of Guangdong Huaxing Bank Personal Peer-to-Peer Lending Institution, etc.
2. Real name authentication:
Users need to upload photos of the front and back of their ID cards for real-name authentication.
After the photo is uploaded successfully, you need to wait 1 to 2 minutes for the platform to review the ID information. Then the page jumps to the identity information confirmation page. At this time, manual input is not required, and the user only needs to confirm that the information is correct.
After the information is confirmed, you need to set the transaction password. In this step, you will receive the SMS verification code sent by Huaxing Bank. The author delayed a lot of time at this step. Mainly need to install controls and use IE browser. The platform suggested using IE browser to open the depository account, but I didn't use IE browser at first, so I couldn't refresh the page during use. Then switch to IE and download the control, but the page cannot be refreshed after downloading. I tossed it back and forth several times before setting it up successfully.
3. Successful account opening:
After the account was opened successfully, Huaxing Bank gave a virtual account of 19, which was opened by Guangzhou Tianhe Road Sub-branch of Huaxing Bank.
4. Binding bank card:
After opening an account successfully, you need to bind the bank card. Huaxing Bank suggests that only one bank card can be bound to an account. Although it is for the safety of users' funds, it also affects the user experience. The payment channels supported by the depository system of Huaxing Bank include Admiralty, Linkage Advantage and Wing Payment. The author observed that different payment channels support different bank cards, and the single limit and daily cumulative limit are different. For example, China Merchants Bank selected by the author has a single limit of 0. 1 10,000 yuan and a daily cumulative limit of 1 10,000 yuan, which is relatively low and has a poor investment experience.
5. recharge:
The platform does not support quick recharge of some bank cards. Take China Merchants Bank selected by the author as an example, it is necessary to transfer funds to the depository account of Huaxing Bank through mobile banking, online banking and counters. The author chooses to recharge through China Merchants Bank's mobile banking, and the recharge will be paid in real time. During the recharge process, you will receive the recharge SMS verification code sent by Guangdong Huaxing Bank. The recharge process needs to be realized through mobile banking, web pages or bank card counters, and the transfer steps are increased to reduce the lender's willingness to recharge. Moreover, some banks have low recharge limits, which affects recharge and even investment experience.
Step 6 invest
Enter the investment amount, and click Confirm Lending to open the bidding confirmation interface. After entering the transaction password, the investment was successful. You don't need to pass the mobile phone verification code, so the transaction is convenient, but it is easy to make a wrong bid.
7. Cash withdrawal
Enter my account, select cash withdrawal, and you can withdraw cash directly. If the withdrawal amount is more than 50 thousand, you can choose to rush, and the whole withdrawal is free. The author's cash withdrawal process is relatively smooth and arrives in real time.
8. Summary
On the whole, the process of opening an account, recharging, investing and withdrawing cash from the deposit account of Huaxing Bank is relatively simple, and the process design includes key steps such as jumping to the bank page, SMS authentication and opening a sub-account. However, some platforms need to install controls when setting the transaction password, which may lead to the problem of incompatible browsers. You need to change your browser before you can operate again. When bidding, you only need to enter the transaction password to bid directly, which is prone to wrong bidding. However, the recharge process is relatively troublesome, and it is necessary to use mobile banking, online banking or bank card counters to transfer money. There is no shortcut. There is no charge for recharging, but each limit and daily limit are relatively low, which affects the investment experience.
Just enter the withdrawal amount and transaction password at the moment of withdrawal, and the small withdrawal will actually arrive. Large cash withdrawals usually arrive within 0-2 working days, and the handling fee is low, so the experience process of this link is relatively smooth.
Three. Evaluation summary of Huaxing Bank's fund depository business
Huaxing Bank's fund depository business has developed very rapidly, and there are a large number of access platforms, which inevitably leads to mixed situations and operational difficulties. For Huaxing Bank, it is urgent to establish a set of perfect institutional access and early warning monitoring mechanism.
From the physical examination of users, the business process of Huaxing Bank is relatively complete and standardized, but the experience of opening an account and tying a card is not smooth enough, which will bring great frustration to users and needs to be improved. Relatively speaking, the subsequent investment process experience is more reasonable.
Since the establishment of 20 15, Big Data Research Institute has focused on in-depth research and industry data accumulation in the field of financial technology with the goal of helping the healthy development of the industry. Based on the integration of finance and technology, a one-stop supervision technology solution based on big data technology is proposed to build a professional consulting team and industry development think tank.
The Big Data Research Institute has long monitored the data of P2P online lending industry, and cooperated with China Renmin University to establish a financial risk laboratory and build a P2P risk monitoring system. The online loan rating research group has continuously launched the 13 online loan rating, which has been widely disseminated.