Post -Hui Wanjia Bank opened an analysis of the differentiated competition advantages of the first state -owned bank direct sales bank

After half a year of the economic observation network reporter Hu Yanming, the first state -owned bank's independent legal person direct -selling bank that was approved for establishment has recently opened.

A reporter from the Economic Observation Network was informed that China Postal Savings Bank's wholly -owned subsidiary subsidiary of China Post Express Wanjia Bank Co., Ltd. (hereinafter referred to as "Post -Hui Wanjia Bank") held a launch meeting on June 30 to announce the official opening and official opening Launched the first product.

Liu Aili, chairman of China Post Group Co., Ltd., Liu Jianjun, president of the postal savings bank, and Shao Zhibao, deputy governor, attended the opening meeting, showing the importance of post -Huiwanjia Bank.

Liu Aili said that the establishment of post -Hui Wanjia Bank is an important measure to actively implement financial reform requirements and accelerate digital transformation. Post -Hui Wanjia Bank should resolutely implement regulatory requirements and truly get out of a digital development of "agriculture, rural areas", small and micro, and the real economy.

The first batch of products have been issued to the first loan for the first loan

As the first of the state -owned banks, the relevant preparation progress of Zhaowei Wanjia Bank has attracted much attention. In December 2020, the Postal Savings Bank issued an announcement saying that the CBRC had been approved by the CBRC and was approved to establish a direct -selling bank subsidiary; in December 2021, the Banking Regulatory Commission approved the postal sale bank's direct -selling bank subsidiary post -Huiwan bank.

According to the approval of the China Banking Regulatory Commission, the registered capital of the post -Huiwan bank is 5 billion yuan, and the registered place is Shanghai. , Medium -term and long -term loans.

Liu Jianjun said that the postal savings bank set up a wholly -owned post -Huiwan Bank subsidiary, which is a new attempt to actively explore the financial technology innovation of inclusive finance. An important step on the road of transformation. Post -Hui Wanjia Bank should strengthen collaboration with the postal group and postal savings banks, explore the sustainable development model of business, jointly build a new situation of postal group financial ecology, and strive to solve the difficulty of inclusive financial development and serve the real economy.

Since the approval of the opening, the post -Huiwan Bank Bank has steadily promoted the preparations on the one hand, on the other hand, in accordance with relevant regulations, the relevant procedures for opening the industry, do a good job of docking with external institutions, and preparing for the official opening. At the opening meeting, Zhaowanjia Bank issued the first agricultural loan to customers.

Regarding the differentiated competitive advantage of Post -Huiwan Bank, Liang Shidong, then the chief risk officer of the postal savings bank, said at the 2021 performance conference that post -Huiwanjia Bank had two different advantages: First, fully collaborate. There are nearly 40,000 outlets in the Postal Savings Bank, which is located in urban and rural areas, sinking in depth. The postal group is also very rich in e -commerce, express delivery and other scenarios, with 600,000 postal music shops and 400,000 offline teams. Therefore, the postal group and the postal savings bank, the postal savings bank and the direct selling bank, the three "mother and child collaborate" to create a deep integration, innovative online and offline collaborative model. In summary, it is to use intelligent operating tools to help or armed the entire offline team to create an intelligent offline team.

The advantage of the second aspect is full opening. In the future, the post -Hui Wanjia Bank welcomes all companies and platforms that are interested in serving the "agriculture, rural areas, and rural areas." Liang Shidong said at the time that he had developed financial products that served the specific "agriculture and rural" with several strategic collaborators. This kind of cooperation was not just to introduce and transform simply traffic, but to use the power of technology together to deepen the financial services of finance to the financial services to the strengths of the financial services to the strengths of the financial services to the strengths of the financial services to the strengths of the financial services to the strengths of the financial services. Go in scenes and platforms.

At the opening meeting, Liang Shidong, who has become the chairman of the post -Hui Wanjia Bank, introduced it. Thirteen information systems such as credit systems and unified payment systems, the first batch of products such as Sinochem's agricultural loan, wealth management supermarket, and digital bank card have been officially launched.

Sinochem's Agricultural Loan is a special product created by the Zipai Wanjia Bank and Sinochem Group. It is characterized by the planting cycles of different crops in various agricultural production plants such as planting, fertilizer, medicine, agricultural tools, agricultural technology, agricultural insurance, and other agricultural production plants. Design products involved to accurately provide financial support for customers. At the same time, the product adopts a trustee payment method. The system will transfer funds to the designated account to purchase agricultural capital. The special fund is dedicated, suitable for the nature and development needs of the industry.

In addition, Zipai Wanjia Bank also launched a series of inclusive products around the "agriculture, rural areas, farmers" and small and micro customer groups, including the wealth management supermarkets facing county and sinking market customers. Another product provided by the industry chain dealers' "Sale and Loan" and so on. Wealth Management Supermarket will be committed to creating a benefit farmer wealth management platform that is mainly based on change in change and stable products. It has currently accessible to products from many financial management subsidiaries such as China Post Financial Management.

Science and technology or data employees account for more than 60 %

At present, there are three independent legal persons that have been approved in China. Among them, Baixin Bank has opened on November 18, 2017; in December 2020, China Merchants Bank and Jingdong Division were prepared to build China Merchants Top Bank, which has not yet opened.

Compared with the technology companies+banking joint venture models of Baixin Bank and China Merchants Topping Bank, post -Huiwanjia Bank is a wholly -owned subsidiary of the Postal Savings Bank. Without digital technology companies as shareholders, what is the confidence of the Exploration of the Direct Sales Bank of Independence Corporation?

According to reports, Zihui Wanjia Bank is based on science and technology, with digitalization and intelligence as the starting point. Based on distributed microservices, cloud deployment, and open platform design to build the entire information technology system. Features will vigorously develop technical capabilities such as big data, AI, deepen the integration of industry technology, and achieve more agile technology development and product innovation. It is understood that the 13 information systems that were put into production in the early stage of the opening of the Express Wanjia Bank supported applications and database distributed deployments, which had flexible scalability. At the same time, Zipai Wanjia Bank has established a big data intelligent risk control system, and has completed the core capacity building of big data risk control systems such as decision engines.

Post -Hui Wanjia Bank follows the principles of sensitivity front desk, strong midfield, and simple background principles. As of now, more than 60 % of the employees of Zihui Wanjia Bank are science and technology or data personnel, and nearly 90 % have the background of the financial or technology industry. In response to the multi -business form, Zipai Wanjia Bank focuses on building a differentiated talent incentive mechanism, optimizing personnel development channels, and improving team enthusiasm, initiative and creativity.

"In the future, as the test field of digital transformation and development of postal savings banks, post -Huiwan Bank will adhere to the concept of prudent operation and stable development, and continue to improve the foundation of standardized governance, market mechanism, agile team, advanced technology, intelligent risk control, collaborative support and other foundations. Capability, creating a light smart bank with technology -guided, distinctive characteristics, and high -quality development. "The relevant person in charge of Zhai Wanjia Bank said.

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