第六百六十七章 互联网银行(1 / 2)

所谓互联网银行,要区别于传统银行来看。

传统银行,基本都会在线下开设各种支行,网点之类的,在移动互联网没有大规模普及之前,各种支行和网点,ATM机等等,是处理银行业务的主要场所。

现如今,即便传统银行与时俱进,纷纷开设网上银行,电子支付等等便捷手段,但涉及开户,大额转账贷款等相关业务,还需要去银行办理。

日常生活中,自从支付通,支付宝等第三方支付软件,微信支付等移动支付手段大规模普及后,普通人去银行的次数已经越来越少。

而微众银行这家中国第一家互联网银行,就是基于这样的背景诞生的。

相比于传统银行在线下开设支行和网点办理开户发卡等业务,微众银行并不在线下开设实体的银行。

用户从开户,存款,取款,支付,转账,贷款,还款,开票,理财,货币兑换等各种各样的业务,基本都在网上办理。

也就是说,微众银行几乎让用户彻底摆脱了实体银行和银行卡这两样东西。

用户在微众银行开户,需要经过身份证,手机号码,人脸识别,地理位置等几层重要验证,而这一切,在现如今智能手机普及的情况下,都可以通过手机在网上直接完成,之后的存款,取款,支付等业务就更简单了,这些流程和环节,在移动支付普及的今天,已经有着成熟的体系和安全保证。

微众银行,敢于在不见到真人的情况下,就将金钱这么敏感的东西一切在网上处理完成,这既基于用户对微众银行的信任,也基于微众银行背后的大股东支付通,为微众银行提供的基于芝麻信用,大数据,人工智能等多种互联网高新科技提供的安全保障。

除了不涉及实体以外,微众银行相比于传统银行,还有一个最大的特点便是,微众银行将自己最大的目标客户群体,尤其是核心之一的贷款业务目标客户群体,定位在个人和小微企业主身上。

传统银行在放贷的时候,为了降低坏账风险,更倾向于贷款给国企,央企以及各种资质齐全的大型民企。

相比之下,不管是个人还是一些做小买卖的小微企业主,没有担保或者房子车子等资产做抵押的话,很难从银行贷到款,而微众银行面向这部分客户推出的微粒贷业务,主要解决的就是这一痛点问题。

微众银行敢于在无担保无抵押的情况下把钱贷给个人和小微企业主,不是因为微众银行比传统银行人傻钱多,而是因为微众银行的背后,有支付通和微信支付的海量大数据保障和技术支持。

传统银行不敢把钱贷给无担保无抵押的个人或小微企业主,是因为不知道这些客户的信用如何,不知道这些客户的收入能力,消费能力和还款能力等如何。

而微众银行不一样。

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