Internet + Era Cross Boundary Cooperation Between Traditional Finance And Internet Finance

The new generation of information technology is pushing the whole society forward. "

"Times"

The innovation of services has made Internet Finance flourish in China and the participants have become more diversified.

At the same time, the national leadership has mentioned Internet finance many times and clearly stated that it is necessary to promote the healthy development of Internet finance.

The sudden emergence of Internet finance is a great impact on the traditional financial industry, but it also brings unprecedented opportunities for development of traditional finance.

It can be determined that financial Internet is the trend of future development.

When all circles are still talking about the success of traditional finance and Internet finance, the traditional financial institutions have begun to join the Internet financial enterprises across the border.

Internet finance is reported.

The platform has entered into cooperation with CITIC Bank. CITIC Bank recommends borrowers with demand for lending. The bank conducts due diligence investigation on loan lending purposes and loan lending operation management of loan borrowers, and assists in the closed operation of loan lending to ensure the safety of funds.

The original intention of Internet financial development is to support the real economy and serve more small and medium enterprises.

Premier Li Keqiang also stressed the need to increase support for the real economy and encourage Internet finance to rely on the development of the real economy.

According to people familiar with the matter, the cooperation with CITIC Bank first took Lishui as a pilot project. On the one hand, it can improve the financial environment of Lishui, on the other hand, it can reduce the operating cost of enterprises and promote the healthy development of Lishui's small and medium-sized enterprises.

To the traditional financial industry, with the rapid development of Internet finance, the traditional financial institutions should think about how to integrate with the Internet. The biggest advantage of banks is in capital and risk control technology, but there is still a lack of "Internet thinking". Therefore, banks should combine their advantages and find a feasible cooperation mode to achieve win-win results.

For the Internet financial industry, Internet finance is beneficial to financial innovation, but it must also ensure that risks can be controlled accordingly.

At this point, cooperation with traditional finance is particularly important.

In the due diligence investigation of the lenders, the banking regulations and requirements are strictly stipulated in the administration and industry, and are relatively mature in the economic exchanges.

According to the insiders, the cooperation between banks and P2P for investors will strengthen capital safety, help reduce user investment costs and risks, and increase investment returns; for the industry, it will greatly reduce the irregularities of P2P industry, better ensure information pparency of investment and financing sides, and achieve more effective risk assessment and control, so as to accelerate the industry's purification and shuffling.

According to insiders, the bank will also seek more cooperation with banks in the future.

Chen Xiaohui, an electronic banking department of CITIC Bank, emphasizes that the integration of traditional commercial banks and the Internet is a long-term and complex systematic project.

Banks with strong innovation ability and focus on Internet financial development strategy will take a favorable position in the future.

Between Internet Finance and traditional finance, it is not who subverts the relationship, but plays a huge role in mutual integration.

The traditional finance represented by banks and Internet Finance represented by P2P should recognize their advantages and disadvantages, and develop horizontal cooperation and complementary development to meet the needs of customers in the "Internet +" era.