Behind "Repairing Loan in advance", torture the effectiveness of bank services and digital transformation

Produced | WEMONEY Research Room

Wen | Liu Shuangxia

Since the beginning of this year, the number of customers who choose to repay the loan in advance has increased compared to the past.

However, it is not so easy to repay the mortgage in advance. Aside from the compensation, the bank will also have a limit limit. In addition, the process of repaying the mortgage in advance is also more complicated. If the bank does not support online processing, the offline online store processing is time -consuming and labor -intensive.

01. The process is complicated, the hidden cost is high

Some time ago, the Bank of Communications issued a "announcement on personal mortgage loans, personal online mortgage (consumption) advance repayment compensation fee adjustment" caused controversy.

Many netizens believe that the terms of this policy are not friendly, and they have increased the repayment burden in disguise. However, the Bank of Communications then deleted the announcement.

In fact, the housing loan obstacles in advance. Aside from the cost of compensation, the process of repaying the mortgage in advance is also more complicated.

It is understood that banks generally require customers to make an appointment for reservations in advance. The specific processes are largely different. Some can handle it online, and some need to go to the outlets.

Recently, Zhang Xu, who worked in Beijing, wanted to repay the mortgage in advance. The house of his loan was in his hometown. After consulting the loan, he found that it was not easy to repay the loan in advance.

The client manager told him that he needed to go back to the next branch of the loan at the time. Zhang Xu calculated a account, and the toll fee and the cost cost it consumed. In addition, considering the uncertain factors brought by the epidemic, he couldn't get it. He had to temporarily give up the idea of ​​repaying the mortgage in advance.

It is understood that at present, ICBC and Construction Bank have opened online proceeds to handle mortgage repayment business. Users can handle housing loans in advance through mobile banking. And Pudong Bank, Agricultural Bank, Postal Savings Bank, etc. all require the processing at the original loan outlets.

In addition, the Bank of Communications customer service stated that some branch online channels (mobile banks/online banking) are optimizing. If there is a recent mortgage repayment demand, the loan can be contacted to confirm the specific process and channels of the early repayment.

The processing process of proceeding in advance in offline mortgages is cumbersome and consuming. Customers generally need to submit an application for a mortgage bank in advance one week to one month in advance. According to the agreed early repayment date, bring ID cards, loan contracts, repayment bank cards, etc. to the business outlets.

02. Torture bank service and digital transformation results

Regarding such a complicated process, Zhang Xu complained, "Banks have been advertising digital transformation. Why is it so difficult to repay the loan in advance?"

Yan Yuejin, research director of the Think Tank Center of the E -House Research Institute, said that the storm of some banks had not yet disappeared in advance, at least it shows that there are still obstacles to pay in advance.

The analysis of Yan Yuejin, from the mentality of home buyers, may not only be because the current financial management income is not high, and the loan repayment will feel "losing", or it may be that the expected income is not high. Essence From the bank's mentality, the official statement is generally allowed to repay the loan in advance, but from the actual situation, it does not rule out that it is actually conflicted with the behavior of early repayment. Especially this year, it requires the investment in bank mortgage. Down. In addition, the issuance of such mortgages can be used as a loan of bank loans on the one hand. On the one hand, it can be considered that the bank has obtained deposits every month. From these two aspects, banks have their own considerations.

Behind the rejuvenation of the mortgage in advance, on the one hand, the digital transformation process of banks is different, and on the other hand, it also reflects the service awareness of various banks.

In the era of digital economy, digitalization is the meaning of the development of the banking industry. All banks are also promoting digital transformation and promoting digital transformation results, but the collaboration of technology and business has always been a problem.

Golden Lao, chairman of Jiangsu Suning Bank, mentioned that the digitalization of the banking industry is online and intelligent. Measure the level of digitalization of a bank, mainly depending on whether the entire business process can be realized online and automated. At present, the digital transformation and upgrading of traditional financial services is that both users and bank employees are easy to use and operate digital financial services. Among them, they can be realized. Both are banks with high digitalization.

In fact, the essence of the digital transformation of the banking industry is to reconstruct the bank service model and business model by digital drive, and to create value for customers to create value.

At the beginning of the year, the "Guiding Opinions on the Digital Transformation of the Banking Insurance Industry" issued by the CBRC also proposed that the digital transformation of the banking and insurance industry was comprehensively promoted, the high -quality financial development of the financial industry, and better serving the real economy and meeting the needs of the people. Supervision mentioned that it has vigorously promoted the digital transformation of personal financial services, expand online channels, enriches service scenarios, improves the digital management system, improves financial products and services, and promotes the solution of the "digital gap" problem.

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