浅谈直销银行未来发展之趋势

Discussion on the Future Development Trend of Direct Selling Bank

随着金融市场化程度不断加深,银行也在原有业务模式的基础上不断丰富和创新,“直销+银行”的业务模式正逐渐颠覆传统商业银行的经营模式,目前已有上百家银行积极转型,探索出符合自身发展的“直销+银行”的业务模式。2020年12月21日,邮储银行发布公告,获准筹建直销银行子公司邮惠万家银行,首次打破了由商业银行与互联网公司合资筹建直销银行的惯例。

As the degree of financial marketization continues to deepen,banks continue to enrich and innovate on the basis of their original business models.The business model of"direct sales+banking"is gradually subverting the business model of traditional commercial banks.At present,hundreds of banks have actively transformed themselves and explored a"direct sales+bank"business model that suits their own development.On December 21,2020,the Postal Savings Bank of China issued an announcement that it was approved to establish a direct banking subsidiary,Youhui Wanjia Bank,breaking the customary direct banking model of a joint venture between a commercial bank and an internet company for the first time.