How to Write a Banking Industry Analysis Report 2017

The personal loan business of commercial banks mainly consists of: personal housing loans, personal consumption loans, personal business loans and credit card loans. The personal loan business is characterized by a wide range of objects, a small single volume, and risk dispersion, and is an area of great growth potential in the context of interest rate marketization. Compared with the company's business, the personal business has a more stable customer base, less fluctuation in deposits, small single amount of personal loans, more diversified risks, and a stabilizing effect on profits in the economic downturn.

2017 Top Ten Online Loan Platforms

Now when people are in urgent need of money, in addition to the traditional banks and loan companies, there is a new way to lend money, that is

. Borrowing money online is fast and convenient, saving borrowers a lot of time, but now there are many online lending platforms, online lending platforms in the end which is good? Today we summarize the 2017 top ten online loan platform ranking, hope to help you.

One, Lujinsho

Lujinsho's full name is Shanghai Lujiazui International Financial Assets Trading Market Co. The company's registered capital is 83,667,000 yuan, and the online lending platform was officially launched in January 2012. Lujinshi has, its safety is beyond doubt.

Two, Hongling Chuangtou

Hongling Chuangtou, full name of Hongling Chuangtou E-commerce Co, Ltd, officially launched in March 2009, focusing on doing Internet financial services so far has reached 7 years. As of March 2, 2017, the number of registered people exceeded 1.44 million, and the total transaction volume exceeded 226.9 billion yuan. More than 40 provincial branches have been set up across the country, and Internet financial experience stores have been set up in major cities. As a domestic Internet financial services platform established more than 7 years, Hongling Venture Capital always puts the protection of investor interests in the first place, with the first principal advance payment model in the industry was developed rapidly, and won a good reputation among investors.

Three, Renren loan

Renren loan is a person to person small amount of lending as the main product online loan platform, Renren loan is China's earliest Internet-based P2P network lending information intermediary organization since its establishment in May 2010, Renren loan service has covered more than 30 provinces of more than 2,000 areas of the country, serving hundreds of thousands of borrowing customers, and successfully helped them obtain financing through credit applications. It has served hundreds of thousands of borrowing customers, successfully helping them obtain financing and borrowing through credit applications.

Four, PaiPaiLoan

PaiPaiLoan is China's first P2P pure credit unsecured network lending platform, PaiPaiLoan was founded in June 2007, the company full name "Shanghai PaiPaiLoan Financial Information Service Co. The team of PaiPaiLoan is a team full of dreams. The founding team comes from Microsoft and other famous companies. While striving to create value for users, the team of PaiPaiLoan is also striving to realize its own value.

V. Ping An P&W

Ping An P&W is a business cluster under Ping An Insurance (Group) Co. Adhering to the brand concept of "trust is power", it provides better loan services to the majority of small and micro-enterprises and individual customers with innovative technology and excellent customer experience, and creates a consumer finance brand trusted by global loan customers.

Sixth, Huijin

Huijin is the sunshine insurance initiated the establishment of the Internet financial platform, was founded in April 2015, Huijin is committed to individuals, enterprises, financial institutions to provide financial assets trading information services, to create a comprehensive Internet financial services platform. Service object for the majority of qualified investors to provide diversified investment and financial management options, for personal consumption and small and medium-sized micro-enterprises to provide financing channels, for non-standard financial assets to provide a transparent and convenient transfer platform.

Seven, Yirendai

Yirendai is China's online financial services platform, by Yixin 2012. Through the Internet, big data and other scientific and technological means, Yirendai provides credit borrowing consulting services for urban white-collar people in China, and provides financial consulting services for investors through the Yirendai online platform.On December 18, 2015, Yirendai was successfully listed on the New York Stock Exchange in the U.S., making it the first Chinese Internet finance stock to be listed overseas.

VIII.

Eight, easy loan network

Easy loan network is one of the most professional Internet financial platforms in China, combined with the development of financial inclusion and Internet technological innovation, for individuals and small and micro-enterprise groups to provide professional and fast loan services, to help them solve the problem of financing difficulties. As of the platform covers 371 cities across the country, with more than two million registered users, and provides tens of billions of dollars of loan services for all kinds of customers every year.

Nine, you I loan

You I loan is a network lending information intermediary platform, founded in June 2011. With a registered capital of RMB 100 million, YouMeLoan aims to establish an efficient, transparent, safe and convenient Internet financial service for small and micro business owners or individuals with financing and investment needs.

Status of Rural Development 2017-2022

In 1993, the Institute of Rural Development of the Chinese Academy of Social Sciences (CASS) set up the "Poverty Alleviation Economic Co-operative" (PAC) in Yixian County, Hebei Province, modeled after the microcredit model of the Bangladesh Rural Bank (BRRB). In 1995, the United Nations Development Program (UNDP) and the China Center for International Economic and Technical Exchanges (CIETEC) launched a microcredit program in 48 counties (cities) in 17 provinces, starting urban microcredit for laid-off workers.

Rural credit unions, in accordance with the People's Bank of China's requirements for credit support for the "three rural areas," have fully piloted and popularized microcredit activities, using free deposits and central bank refinancing as funds to carry out credit loans and joint-guarantee loans. Microcredit was explicitly mentioned in Document No. 1 of the Central Government, which triggered a debate on the theory and practice of microcredit. For the "Year of Microcredit", the No.1 document of the central government pointed out: "Where conditions exist, we can explore the establishment of microcredit organizations that are closer to the needs of peasants and rural areas, and that are initiated by natural persons or enterprises." In the end, the People's Bank of China in Shanxi, Shaanxi, Sichuan, Guizhou, Inner Mongolia, five pilot provinces (regions) began to advocate the pilot commercial microcredit, these areas were established in Shanxi Pingyao Rishenglong company, Guizhou Jiangkou Huadi company, Sichuan Guangyuan full strength company, Inner Mongolia Ordos Rongfeng company, Shaanxi Tuxian Xinchang and Dayang Huixin company *** counting seven pilot commercial microcredit companies.

On May 4, the China Banking Regulatory Commission and the People's Bank of China*** put forward the "Guiding Opinions on the Pilot Companies," calling for the effective allocation of financial resources, guiding the flow of funds to rural areas and underdeveloped regions, improving financial services in rural areas, promoting the development of agriculture, farmers and the rural economy and supporting the construction of a new socialist countryside. With the introduction of relevant policies by the government to encourage private funds and overseas funds to enter the field of micro-credit. All over China, there is a good situation in which companies, village banks, rural capital mutual aid societies, and other new rural microcredit institutions have been established one after another and are carrying out microcredit programs.

Second, China's rural microcredit existing deficiencies

1. Microcredit capital supply there is a large gap

With the accelerated process of rural economic development, microcredit buyer's market is too large. The demand for microcredit funds from the "three rural areas" is also growing, coupled with the fact that some of China's microcredit programs cannot absorb public deposits and can only rely on the injection of external funds, the lack of sustainable sources of funding, affecting the supply of microcredit funds, aggravating the imbalance between the supply of and demand for microcredit funds in the countryside and creating a situation in which the demand is greater than the supply. In the case of rural credit cooperatives, which are the main issuers of microcredit, for example, the ability of agricultural credit cooperatives to absorb idle social funds is significantly weaker than that of other financial institutions due to the influence of many factors. First of all, by the agricultural credit cooperatives own hardware and software constraints, financial products and services lag behind the level of commercial banks, can not provide customers with comprehensive and thoughtful service, resulting in idle funds can not flow into the rural credit cooperatives; Secondly, along with the urbanization of rural populations continue to deepen the process of the rural credit cooperatives have been briefly stayed in some of the deposits, and gradually flow into the city.

2. Weak financial self-reliance of new rural financial institutions

The existing microfinance institutions in China are mainly microfinance institutions run by non-governmental organizations, government-led microfinance institutions with the nature of poverty alleviation and commercial microfinance institutions. At present, although microcredit institutions have been helpful in improving the level of financial services for the poor in the short term, most of them are weak in financial self-sufficiency and lack sustainable development capacity. First, government-led institutions, mostly serving to achieve the government's poverty alleviation mission, have not considered the establishment of goals and measures for the long-term sustainable development of projects and institutions; second, among the existing non-governmental microfinance institutions, there are few that can achieve sustainable operation (i.e., after excluding subsidies, interest and other income can compensate for operating costs, losses on bad debts and capital costs with subsidies); and lastly, financial institutions, including those promoted by the financial regulator, and those promoted by the village and township authorities, are not financially self-reliant and lack sustainable development. Lastly, the development of companies and village banks promoted by the financial regulator is also facing financial constraints, making it difficult for some of the new rural financial institutions to develop.

"Middle-aged" Haier into the financial business has been 19 years, its three major consumer finance business development prospects

With the arrival of the 2020s, the family used the Haier refrigerator, watched the Haier Brothers cartoon grew up in the first batch of the 90s has been 30 years old, was jokingly said to have entered the middle age. jokingly said to have stepped into middle age.

Founded in December 26, 1984, the well-known electrical appliances company Haier Group, has just passed its 35th birthday. At the same time, Haier's financial business layout has entered the 19th year.

On July 17, 2001, the People's Bank of China Qingdao Central Branch agreed that Qingdao Haier invested in the Bank of Qingdao, and Haier formally entered the financial business. According to Bank of Qingdao's third quarter 2019 report, as of the end of September 2019, three subsidiaries of Haier Group also held a combined 17.15% of its common shares.

In 2014, Haier Financial Control obtained a business license to integrate Haier Group's financial enterprises, which Haier Group plans as "the pillar industry of Haier Group's implementation of networked strategy", and Haier's 100 billion asset scale financial big game is laid down.

Official information shows that the current Haier financial control has been involved in 9 financial institutions, 5 investment institutions, 2 shareholding in the layout of the banking and insurance enterprises, with more than 70 financial license resources. It mainly involves finance companies, consumer finance, financial leasing, financial factoring, microfinance, third party payment and other subsidiaries. According to reports, the integration of 2014 at the same time, Haier gold control also set up new financial enterprises.

And Haier's three subjects involved in the field of online consumer finance, the Internet microfinance company Haier cloud loan, licensed consumer finance company Haier consumer finance (hereinafter referred to as: Haier Consumer Finance), P2P platform Hailong Yi, were established in 2014. The three companies are based on the earliest "industry", Haier cloud loan and Hairong Yi platform are B-end customers, Hairong Yi business is mainly supply chain finance, borrowing users are located in the suppliers, distributors, users and logistics business, Haier consumer finance is located in the first combination of industry and finance licensed consumer finance institutions.

Haier Cloud Loan: one of the four core enterprises of the financial control Haier Cloud Loan full name of Chongqing Haier Co., Ltd. is currently wholly owned by Chongqing Haier Cloud Chain Technology Co.

According to previous reports, Haier cloud loan first focused on industrial finance, then expanded to small and micro enterprises, and then extended to the C-end scene of consumer finance, in terms of the type of loan in 2018, the proportion of mortgage loans is the highest.

Haier Cloud Loan's self-owned loan App is called Haiyi Loan, and its products include home home consumer loans corresponding to homeowners' furniture and home appliance decoration loans, centralized market loans, Huiye Loans, Wanchain Puhui Loans, and Linrun Vehicle Merchant Loans, which have the highest number of applicants for home consumer loans.

In addition, Haier Small Loan has laid out automobile financing and leasing, home loan, and medical and beauty scenes through the establishment of subsidiaries, investment, etc., such as Haier Cloud Loan, which indirectly owns the shares of medical and beauty staging giant Mimo Gold Service, and set up the education staging platform Haimi Butler with Mimo Gold Service in April 2018***, and Chongqing Haika Technology, which is wholly owned, owns the Spicy Time Loan App, etc.

By incomplete statistics, Haier Cloud Loan has also reached loan assistance cooperation with many mutual fund platforms, such as 51 Provident Fund, Flash Silver, Expectation Technology and so on.

At the end of 2016, the loan balance of Haier Cloud Loan had reached 5.5 billion yuan.In 2017, Haier Small Loan lending amounted to 18.129 billion yuan, with a loan balance of 8.215 billion yuan, total operating income of 756 million yuan, and net profit of 128 million yuan, with net profit accounting for 6.75% of the proportion of gold control.

As of the end of 2018, the loan balance of Haier Cloud Loan was 7.333 billion yuan, down 10.73% from the end of the previous year, and the loan suppression is related to the strong financial regulation and the reduction of the leverage ratio.

On the basis of a 10.73% decline in loan balances, Haier Cloud Loan nevertheless realized total operating income of 1.576 billion yuan and net profit of 183 million yuan in 2018, an increase of 108.55% and 32.48%, respectively, over the previous year.

According to recent reports, as of November 2019, the loan balance of Haier Cloud Loan was 9.9 billion yuan, an increase of 35% from the end of 2018. As seen by the data, Haier Cloud Loan is returning to growth and even starting to accelerate, and it is conceivable that Haier Cloud Loan's revenue and income will also maintain strong growth.

Haier Consumer Finance: Accelerating to catch up with Haier Cloud Loan

In December 2014, Haier Consumer Finance was established, and Haier Group and Haier Group Finance Limited Liability Company hold 30% and 19% of the shares of Haier Consumer Finance, respectively, for a total of 49%.

Haier consumer gold from the Haier Group to get a lot of support, relying on the background of the home appliance group, Haier consumer finance initial to home appliances zero-dollar purchase to tap into the consumer market, but also had a number of times to the Haier Finance Company loan to obtain funds.

The high starting point of Haier Consumer Finance's previous business can be described as "lukewarm", Haier Consumer Finance's net profit in 2016 was 43 million yuan, and in 2017 it was 47 million yuan, which not only lags behind other consumer finance companies opened during the same period, but also lags behind the Haier Cloud Loan. According to the shareholders' financial report, in 2018, Haier Consumer Gold realized an operating income of 1.049 billion yuan and a net profit of 168 million yuan, which ranked seventh in terms of profit scale among licensed consumer finance companies. However, other news shows that Haier Consumer Gold had announced its 2018 profit totaled 210 million yuan, if calculated according to the latter, Haier Consumer Gold profit performance ranked sixth, and exceeded the Haier Cloud Loan. In the first half of 2019, Haier Consumer Gold's operating income was 678 million yuan, and its net profit was 128 million yuan, an increase of 110.34% year-on-year in net profit, and its ranking rose to sixth.

The soaring performance may be related to the gradual popularity of the consumer finance market and the value of the license.

From the business point of view, or with the development of cash loan business is also related. According to previous reports, Haier consumer gold from the scene installment business start, in the home, home appliances, home furnishing and other shareholders resources rich scene to carry out business, but also to expand the education, medical beauty, travel, rental, insurance and other external scenes, the later only gradually expanding to the cash borrowing business.

In August 2017, Haier Consumer Finance launched a specialized cash borrowing App enough to spend. reports in August 2018 showed that Haier Consumer Finance cash borrowing business accounted for about 60%, which has been higher than the scene finance.

Rapid development will inevitably have some problems, many consumer finance companies are working with lending institutions, Haier consumer finance is no exception, but Haier consumer finance is also frequently "stepped on the mine". According to previous reports, Haier consumer gold has reached a strategic cooperation with Duffy Holdings and Aizai Group to provide personal consumer credit services. Recently, the founder of the Love Cai Group surrendered, its Hangzhou letter Kettle Asset Management Co., Ltd. was filed for investigation, Duffy announced P2P liquidation transition, but most of the lenders are worried, the situation is not optimistic.

In addition, in August this year, the loan platform hi money network was exposed by the media due to black involvement in the investigation, according to network information, Haier consumer gold is also hi money network one of the parties. There are also borrowers who say they have finished repaying their debts but have been told by Haier CC that they still owe money, which may be related to the fact that Haier CC's account has been frozen and the money has not been transferred to Haier CC's account.

Hai Rong Yi: borrowing balance of less than 400 million, or gradually withdrawn

Haier from the beginning of the water P2P can be described as a clear, resolute attitude, in the company's background and the platform publicity unabashedly, from the Hai Rong Yi company registration information to the platform introduction, are clearly expressed Haier Holding Company.

Haier is a quite credible endorsement, as can be seen from the relevant media reports, before the big adjustment period of the P2P industry, the turnover of Hai Rongyi maintains a high rate of growth. in June 2015, Hai Rongyi's turnover was 550 million yuan; in November 2015, the turnover has exceeded 2.6 billion yuan; in November 2016, the turnover exceeded 20 billion yuan; in January 2018, the turnover exceeded 50 billion yuan.

Only from the perspective of the summarized transaction volume, as of December 31, 2019, Hai Rongyi summarized the transaction volume of 24.47 billion yuan, and the average annual summarized transaction volume is also more than 4 billion yuan.

But with the retreat becoming the main theme of P2P lending, in November, Shandong Local Financial Supervisory Authority issued a "network lending industry risk reminder letter", pointing out that, at present, the P2P lending industry is carrying out special rectification of risk, so far there is not a flat full compliance through acceptance, the future will be the province's scope of failure to accept the acceptance of all the P2P lending business to be banned.

According to the official website information, as of press time, the sea is easy to the last bidding time for December 26, the current size of the pending receipts of 340 million yuan. According to statistics, the size of the pending collection of the sea Rongyi for August 5.35 yuan, September 497 million yuan, October 429 million yuan, November 367 million yuan; the size of the pending collection is gradually declining. Sea Rongyi's future is not clear, perhaps the transition will be withdrawn.

In addition, the founder and president of Hai Rongyi, Wang Wei, is the majority shareholder of Shanghai Le Earn Industry and Trade Partnership, which is the second largest shareholder of Qingdao Lekua Network Technology Co.

The screenshot provided by the user shows that it is happy to spend money, the funds attached to the "Hai Rongyi customer cash funds", the other account for the Hengfeng merchant account, and the Hai Rongyi depository bank is the same, so it can be basically confirmed that happy to spend for the Hai Rongyi's loan products. Happy to spend has been due to the sale of accident insurance, soft violence collection by a large number of complaints, enterprise search shows that at present, happy to bloom the company's operating abnormality, according to a report in November, happy to spend has been suspended lending.

Haier consumer gold and Haier cloud loan to maintain rapid growth, gradually leveling the gap, while Hai Rongyi data gradually decline, the suspension of cash loan products, which highlights the importance of licensed operation.

From the point of view of the growth rate of the first two, it is not yet known who the winner is. But from the business point of view, the two in the consumer finance business has intersected, but overall and different, perhaps in the field of consumer finance to achieve "their own wonderful".

What is the balance of green credit of Bank of Communications in 2017

According to the financial statement of Bank of Communications in 2017, as of December 31, 2017, the balance of green credit of the Bank of Communications was 373.925 billion yuan. Bank of Communications continued to increase its support for green finance in 2017, with the green credit balance increasing by 17.2% year-on-year, an increase in growth rate from 2016. Bank of Communications takes green finance as an important development strategy, actively promotes green financial innovation, promotes the development of green finance, supports the development of green economy, promotes the innovation of green financial products, increases the support for green finance, promotes the development of green finance, supports the development of green economy, and makes important contributions to green development.

Small cash loan market and product analysis

In the rapid development of Internet finance in the past few years, there is an industry in the last one or two years has been pushed to the tip of the wind and waves, for one thing, because of its development to make up for the gaps in the financial industry, and practicing the concept of financial inclusion; and secondly, because of the high interest rate and the industry is not standardized to attract all kinds of questions. It is the small cash loan industry.

In 2013, the balance of the treasure came out of nowhere, driving the rapid development of the Internet financial industry. The essence of finance is the connection of funds, Internet finance is no exception, one end is connected to the borrower, one end is connected to the investor. The balance of the treasure makes "universal wealth management" possible; cash loan industry can be said to make "universal borrowing" possible.

Without further ado, let's demystify the cash advance industry and analyze the best cash advance products in the market.

Cash loans, short for cash loan business, are a kind of credit loan granted to natural persons without guarantee, collateral, or scene, with flexible and convenient borrowing and repayment methods, timely approval, and fast arrival. Generally speaking, cash loans refer specifically to short-term cash loan business, that is, the borrowing period of six months and below, the borrowing amount is less than or equal to 10,000 yuan of personal credit

According to the types of cash loan business in the market at present, it can be divided into four major categories of loans as you go, ultra-short-term loans (similar to the foreign payday loans), short-term loans, and medium-term loans.

The Baidu search index shows that the cash loan industry has been on fire since 2015 and reached a peak in 2016, and in 2017, with the tightening of regulation, the industry is facing a big wave.

Cash loan industry, so that those banks can not serve the long tail silk users can also enjoy financial services, which is the inevitable market development up. Before the emergence of Internet finance, "private lending" and "" is the prototype of cash loans. Cash loans solved the small-frequency, fast and urgent financial needs of users, and were loved by users in the market segment. At the same time, cash loans have been questioned recently, with all kinds of negative news, and the regulation is heavy, a reshuffle is coming. For the excellent cash loan business, may not be a good thing, the big waves of sand, stay are gold.

At present, the cash loan industry is a mixed bag, and the market has done a better job of 2345 loan king, cash bus, cell phone loans, pat loans, Yiren loans. This article focuses on analyzing the ultra-short-term small cash loan industry, strictly speaking, Yiren loan borrowing does not belong to the category of ultra-short-term borrowing, pat loan borrowing end although belongs to the category, but due to the pat loan's more comprehensive business, and can not be fully considered a small cash loan industry, and is not in the scope of this discussion.

Before analyzing, let's have a preliminary understanding of these three businesses.

Mobile Loan is an intelligent microcredit product under Qianlong Finance, based on the intelligent risk control system of big data, cloud computing, and machine learning. Since its inception in October 2013, the current cumulative registered users of nearly 20 million, is the Sequoia Capital investment optimistic company.

2345 Loan King is a small cash loan product under the A-share listed company 2345, in the first half of 2017, 2345 Loan King net profit of more than 4 billion, accounting for half of 2345's revenue, is a well-deserved king of the absorption.

Cash bus is a mobile Internet-based online process network borrowing APP, mainly to solve the user in the daily life of the micro-borrowing needs. The "cash bus" service team uses big data and machine learning to create a fully automated process, aiming to provide users with a simple and convenient, flexible and fast borrowing new model.

Next, let's briefly analyze these three products in terms of user experience. User experience elements from abstract to concrete are: strategy layer, scope layer, structure layer, framework layer, performance layer, as shown in the figure below:

Cash loan app function points are very simple, basic functions including borrowing, authentication, card binding, progress inquiries, repayment and so on, almost all. Extended function points, cell phone loans are the most abundant, cell phone loans can be flash borrowing, there are cash installment borrowing, the platform is insufficient funds can be diverted to other cooperative platforms, and is currently doing more big. However, cell phone loans lack the function of user-initiated withdrawals, withdrawals can only be initiated by the system. The simplest range of functions is the cash bus, similar to the flash loan function of the cell phone loan, only provides 500/1000 yuan, 7/14 days borrowing, borrowing amount and borrowing period are more restricted.

The functional structure of small cash loan products is simpler, as follows performance layer are: cell phone loan, 2345 loan king, cash bus.

Mobile phone loans and 2345 Loan King, the top of the scrolling advertising space, basically APP on the set, but the cell phone loan advertising copy design than the price is difficult to see, cell phone loan designers have gone?

Function point, cell phone loan is cash installment and single period have, at present cell phone loan main push cash installment, the amount and period also continue to improve, installment products compared to the single period of the product risk is low, the fee is high, and can improve the user stickiness. 2345 loan king interface is relatively simple, the amount of the loan can be randomly sliding selection, but the loan period is limited to 1 month. Cash bus product features simply minimalist, two amounts, two types of term, belonging to the ultra-short-term borrowing experience to the ultimate product. But the shorter the term of the ultra-short-term product, the higher the overdue, but the corresponding platform income will also be high (earn late penalty interest, etc.)

The general path of the development of Internet finance, the first is the balance of the treasure set off a wave of universal wealth management, and then the P2P companies such as the emergence of the rise of a spring, and then the outbreak of a small amount of cash loan industry. China also has hundreds of millions of cardless (credit card) users, their financial needs are also in demand, I think the company can do the following points well, in order to stay in the big wave of sand.

1) insight into the essential needs of users. For example, the users of small cash loans, the pursuit of the first can borrow money, followed by the ability to borrow money quickly. Instead of being fast for the sake of being fast, there is no insight into the core needs of users.

2) Multi-dimensional risk control system. Based on big data, the intelligent risk control system portrays the probability of a user's borrowing being overdue from more dimensions. Wind control and user experience is a seesaw, need to find a balance. One of the future directions of big data risk control is how to build a risk control system based on high user experience.

3) Keep up with the pace of regulation. The biggest risk of Internet finance is regulatory risk, small cash loan companies need to follow the pace of regulation, eat through the regulatory policy, and timely cooperation with the transformation. The company that holds a fluke tends to not go far.

Summarized in six words: users, wind control, regulation

The introduction of the development prospects of the loan industry in 2017 will talk about it here.