直销银行国际经验借鉴及对我国的启示

International Experience of Direct Bank and Implications for China

互联网金融的迅速兴起激起了我国商业银行发展直销银行的热潮。作为一种新型的业务运营模式,直销银行具有机构少、人员精、成本小等显著特点。当前我国已具备了发展直销银行的客户基础和技术条件,进一步应该确定位目标客户群体、建立专属的产品体系、正确处理内外部竞合关系、完善风险管理和相关监管政策。

The rapid rise of Web finance sparked Direct Bank development of China＇s commercial banks. The direct bank,as a new business operating model,has less organization,staff fine,small cost and other notable features.Foreign Direct bank accumulated many mature development experiences and China already has a customer base and technical conditions for the development of direct banking. To develop direct banks, clearly locate target customer groups,correctly handle competing relationship of internal and external,perfect risk management and regulatory policies are needed.