Cracking difficult for new citizens of small and medium -sized banks and difficult risk control: What can fintech do?

21st Century Business Herald reporter Li Yue Beijing report

"We have recently developed a variety of products for the new citizen group, including mortgage loans, consumer finance, credit cards, etc., and promoted through channels, advertising, roadshow and other channels, but the effect is not ideal, it can be said to be minimal." Recently, a family The person in charge of the personal credit department of the City Commercial Bank told the 21st Century Business Herald reporter.

The person in charge explained that the reason why the new citizen products vigorously promoted the new citizen's products were the policy guidance of the regulatory authorities, and on the other hand, the existing business of a loan line in the background of the consumption downgrade continued to lose, but it was difficult for new customers to come in and had to have to be right. Target customers are restarted. "The biggest question we face now is where to find customers, and risks are second."

In order to enhance the equality and convenience of financial services for new citizens, in March of this year, the CBRC and the Central Bank jointly issued the "Notice on Strengthening the Financial Services of New Citizens" (hereinafter referred to as the "Notice") proposed that bank insurance institutions should target new citizens for new citizens In the financial needs of key areas of entrepreneurship, employment, housing, education, medical care, and pension, in accordance with the principle of marketization, we will strengthen product and service innovation, improve financial services, and expand financial supply at high quality.

The 21st Century Economic Herald reporters learned that there are not a few small and medium banks similar to the new citizens of the above -mentioned city commercial banks. At the same time, there are also a few small and medium banks that have conducted some explorations in this regard and achieved certain results. Lin Dong, general manager of the personal credit department of Qingdao Bank, said that the bank currently meets the consumer credit needs of new citizens from the aspects of online consumer loans and credit cards. In terms of consumer loans, it mainly provides services through its own Internet loan products. In terms of business handling, the entire loan is fully handled, and the business is batch of second loans.

"The cost of investment in science and technology is very high, and long -term investment is required. Not all small and medium banks have independent research and development capabilities. It can be used through alliances and cooperation to achieve digital transformation through cooperation with cooperation. It is feasible Path. "Yin Zhentao, director of the Fintech Research Office of the Institute of Finance of the Institute of Finance of the Chinese Academy of Social Sciences.

Chen Bo, general manager of Tencent Security Financial Ratings Products, told the 21st Century Business Herald that Tencent has developed a security data transmission tool "Pigeon", and new citizens can legally comply with personal information to financial institutions and financial institutions Pay the risk of analysis, processing and evaluation of this information.

"Pu" first "Hui"

In fact, before the "Notice" was released, commercial banks had provided some financial services that were no different from citizens' groups. In Yin Zhentao's view, the "new" of the new citizens in the "Notice" is mainly reflected in four aspects: more prominent attributes of inclusive finance; more strong support for employment and entrepreneurship; more emphasis on the supporting functions of financial services; more more than Implement ESG practice concept.

From the perspective of many banking industry people, the most important thing for new citizens' financial services is "Pu". If the new citizens who need financial services have not been found, "Hui" will not be able to talk about it at all.

"New citizen groups are difficult to accurately identify and have high net worth individuals, but they are more long -tailed customers. There are many types of industries, small employment enterprises and wide distribution. At the same time Large nature, financial institutions cannot grasp the latest status of the customer base in time, increasing the difficulty of accurate identification of the customer group. "A reporter of a city commercial bank department told reporters of the 21st Century Business Herald that affected by these factors, the bank was in the system in the system. This part of the customer's group cannot establish labels, cannot accurately identify and provide targeted and precise services, which affects the efficiency and effects of exclusive rights and special product promotion, financial knowledge promotion and other work.

A deputy general manager of a listed Rural Commercial Bank Retail Finance Department told the 21st Century Business Herald reporter that in order to do a good job of financial services for new citizens, the bank took the "grid" service as a carrier and effectively guaranteed the work coverage during the starting stage.

"The distribution of new citizens is decentralized, and it takes a certain amount of energy to identify it is a more practical problem facing the current financial services. Although with the help of comprehensively promoting the" grid "service work, it can form better coverage on the surface, but there is an efficiency in terms of efficiency. There are shortcomings. "The deputy general manager of the above -mentioned Retail Finance Department of the Rural Commercial Bank also pointed out that using relevant platforms such as government affairs, third -party and other related platforms to focus on the new citizens and customer bases, which is an important way to achieve service quality and efficiency. For example, the bank analyzes the characteristics of financial services in each new citizen and customer base through the large number of laws, and has played a positive role in improving the quality of financial services.

The general manager of the consumer finance department of a city commercial bank also introduced that technology assistance is one of the key factors of the bank's good financial services. As early as 2018, the bank launched the Internet loan business and accumulated rich big data intelligent wind wind. Controlling operations, establishing a comprehensive loan online operation management system, from traffic acquisition to loan to dispose of the entire process to achieve fintech empowerment, which greatly improves business processing efficiency.

With the continuous sinking of the new citizen group in financial services, the problem of credit reporting has also triggered the thinking of some banks. The director of the above -mentioned urban commercial bank department said that solving new citizens' credit white households should aim at helping such groups to achieve their first loans. For example, strengthening silver administration cooperation, strengthening banking enterprises and silver villages, and strengthening non -financial channels such as three parties payment. "On the basis of bank flow, social security, taxation, etc., you can increase more income identification methods, such as increasing common accounts such as customer WeChat to identify its revenue and repayment capabilities." The director of the city's commercial bank department proposed.

Chen Bo further told the 21st Century Business Herald reporter that some banks wanted to do financial services for new citizens' credit reports, but there was no sample to do strategies. They could do "warm start" with banking institutions. This method has rich characteristics and Internet customers. The unique advantages of group wind control strategy experience and rapid iteration to help banks carry out business quickly. At present, there are some cooperation cases in this regard.

"Catfish effect"

Similar to the difficulty of obtaining customers, the difficulty of risk control is also one of the key difficulties for the current bank institutions to serve new citizens. The director of the above -mentioned urban commercial bank department told the 21st Century Business Herald reporter that the characteristics of the new citizen group determine a large part of this type of customer base that has the characteristics of relatively poor work stability, no residential real estate, large personnel liquidity, etc. Most of the non -salary is not sufficiently enough in terms of social welfare guarantee, and the cost of default in such groups is relatively low, and the default rate is relatively high.

"These characteristics have caused this type of customer group to be unable to enjoy more sufficient bank products and services, especially when applying for loans and other businesses, there may be certain restrictions in terms of quota, and once a default occurs, it is difficult for banks to take effective measures or risk slow release methods to restore the means Losses are difficult to prevent and control the overall risk prevention and control of this type of customer group, "said the director of the city's commercial bank department.

According to the 21st Century Economic Herald reporter, the client layered is one of the strategies for banks to control new citizens' group risks without using fintech. A businessman of a city commercial bank said that the layering of the customer group is the basis for the customer's credit assessment. Usually, information such as the types of credit, accounting, and vocational, academic qualifications, and income according to the customer's credit types, accounts, amounts, etc. Apply to customer base access, credit assessment, quota calculation, risk pricing, etc.

"Financial technology can improve the acceptability, feasibility and controllability of new citizens' financial services." Yin Zhentao said that the most important thing for banks is risk control. When expanding a new user, we must do a good job of risk control and good winds. Controlled, the strength of technology can highlight the advantages and characteristics. "From the perspective of the current application of fintech, big data risk control supported by replacement data is still the most commonly used and effective new technology tool for financial institutions. The means can reduce the cost of financial services. "

From the perspective of a private bank, the risk control of new citizens' financial services is not only the issue of quota and risks, but more importantly, data -based operations, which is also the difficulty of serving the new citizen group. Big data risk control through massive data can greatly increase the speed (second level) of online approval and greatly expand the dimension of post -loan management, and more accurately perform customer portraits and management.

Chen Bo introduced the 21st Century Business Herald reporter that the biggest feature of the new citizen group is insufficient credit data. Tencent Security "Pigeon Pigeon" introduced the notary office as a notary party, which can generate a user -authorized information to generate an analysis report in the bank environment of the bank. It is more helpful to evaluate the risks of new citizens and customers.

"In the process of cooperation between banks and technology companies, the 'catfish effects' should be played." Yin Zhentao said that that is, the process of mutual promotion of financial institutions and technology companies. In the process of technology services for financial institutions The lack of privacy protection and other aspects makes it more compliant; in the process of cooperation, financial institutions can achieve faster and better digital transformation.

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