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网商银行推口碑贷布局线下市场 - 站长搜索
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网商银行推口碑贷布局线下市场

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2015-10-13 03:21:01 转载来源: 网络整理/侵权必删

北京商报讯(记者 孟凡霞)定位于纯互联网银行的网商银行正在将业务触角伸向线下小微商户。昨日,网商银行宣布推出一款面向线下实体商户的贷款产品――口碑贷,以帮助线下的小微商户发展与成长,这也是网商银行首次大规模拓展至线下小微商户

北京商报讯(记者 孟凡霞)定位于纯互联网银行网商银行正在将业务触角伸向线下小微商户。昨日,网商银行宣布推出一款面向线下实体商户的贷款产品――口碑贷,以帮助线下的小微商户发展与成长,这也是网商银行首次大规模拓展至线下小微商户。

北京商报记者获悉,此次网商银行上线的口碑贷,优先覆盖口碑平台上的小微餐饮商户,根据商户的信用资质等情况来决定授信额度,每户的授信额度最高可以达到100万元,最长用款期限为12个月。

作为一家没有实体网点的纯互联网银行,网商银行的客户来源显然是首要解决的问题,从目前的产品设计来看,网商银行正在努力走出阿里体系。此前,网商银行上线的“流量贷”就是与全球最大的中文网站流量统计机构CNZZ合作。

不过,口碑贷也未脱身阿里,口碑是阿里巴巴集团与蚂蚁金融服务集团合资成立的一家本地生活服务平台公司,蚂蚁金服在餐饮、超市、医疗、售货机等领域的线下业务将逐步整合至“口碑”平台。网商银行相关人士对北京商报记者表示,口碑贷的具体额度主要通过大数据甄别,口碑商户所有的数据接口都在支付宝上,经过商户授权,网商银行可以通过到店率、外卖单数、金额、流水等数据,给予商户相应的授信额度。对于是否会出现商户刷单做大营业流水的问题,该人士称,这是任何银行信贷业务中都无法避免的,网商银行将依靠大数据进行甄别。

相比之下,同为纯互联网民营银行的微众银行,则专注于社交数据的积累和应用。对此,中国人民大学重阳金融研究院客座研究员董希淼表示,纯互联网银行只有保持开放思维才有生存空间。在他看来,纯互联网银行的业务范围由线上往线下发展将成为必然趋势,寻求更多的场景入口、数据来源才有利于银行做大业务广度。

而对于纯互联网银行风险把控的话题,董希淼表示,传统银行在审核贷款时都是采用多维度审核,除了企业规模、营业额等项目外,法定代表人的资质、实力及企业市场竞争力、成本等因素都要在审核范围内。由于缺少线下调查环节,互联网银行更需要在审核维度上下功夫,如果审核维度过于单一,不仅容易出现企业造假问题,也不利于银行本身发展。

标签: 网商 银行 口碑 布局 线下 市场


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