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Transaction volume of Weizhong bank's blockchain
Publish: 2021-04-26 08:34:48
1. Bank to bank cooperation and bank to non bank cooperation may require reconciliation. In the past, batch reconciliation will be used, which generally takes T + 1 and T + 2 time to complete. If every transaction, whether the details of loan or repayment, is sent to the blockchain, there is a common mechanism on the chain, so that the accounts seen by multiple parties are accurate, correct and recognized by multiple parties, This plays the role of transaction reconciliation, and the reconciliation speed can be shortened to t + 3S (seconds).
2. Yes, in 2015, Weizhong bank started the research and development of blockchain, and also built the first prototype blockchain applied in the field of financial management. At present, many mature applications have been implemented in government affairs, right, smart city, justice, finance, supply chain, social governance and many other fields.
3. Is there something that automatically dects fees? If so, when there is no fee to dect, they will choose the amount in the micro loan to dect it.
4. When you enter the top right corner of the main page, there is a button for transaction query. You can click it to query the transaction records of the past week, the past month, and the past three months. There are displays and notes about the transfer in and out of funds, the success of transactions, and the failure of transactions. It is very detailed and convenient to check your own accounts.
5. Development ideas and current situation of Qianhai Weizhong bank, Qianhai Weizhong bank does not use the Internet and other technologies to improve the channels of providing procts and services, but redesigns the procts and services suitable for the needs of Internet users around the mapping relationship between cyberspace and physical space
however, Tencent has not set foot in the field of Internet Finance except its TenPay. Therefore, Tencent's own Internet Finance talents are scarce. Qianhai Weizhong bank's senior management is dominated by the former Ping'an department. In addition, Qianhai Weizhong bank has also recruited the grassroots staff of Ping'an bank as the bank's back office technicians and business personnel. As Ping An Bank is the most successful joint-stock commercial bank in personal loan business at present, this is also the reason why Qianhai Weizhong bank has absorbed a large number of talents from Ping An Bank
in terms of organizational structure design, the bank has set up five business divisions, including credit card business division, retail and small and micro business division, and interbank finance business division, as well as micro finance business division and science and Technology Business Division [7]
from the perspective of organizational structure, Qianhai Weizhong bank's business layout focuses on small and micro financing and personal consumer credit, and people who are good at using the Internet, such as young people, white-collar workers and other grassroots groups, are the main customer targets of Qianhai Weizhong bank
however, in the past six months since its opening, Qianhai Weizhong bank has only launched a micro credit proct "micro credit" open to a small number of consumers, making proct innovation difficult. One of the important reasons is the lack of account system. Now that the problem of remote account opening has not been solved, Qianhai Weizhong bank can only launch procts that can "survive on a curve" without relying on accounts or other accounts, such as personal credit business
e to Qianhai Weizhong bank's monopoly position on social platforms such as wechat and QQ, micro credit procts need not invest too much energy in marketing, but only need to control the risk. The risk control data sources of Qianhai Weizhong bank mainly include two aspects: one is the external data of PBC credit reference, public security law, ecation, etc; Second, Tencent social and payment data. The core of its risk control is to prevent fraud, which includes five processes: (1) determine who is operating through the white list invitation system
(2) identify whether it is my common equipment
(3) identify whether it is a common network environment< (4) identify whether the network environment is secure or not
(5) identify the bank card to ensure whether the loan funds enter my account. Qianhai Weizhong Bank tries to balance the contradiction between service process simplification and risk control by continuously optimizing the risk control model. The foundation to solve this contradiction is to build a comprehensive scoring system for Qianhai Weizhong bank and get the credit score of each registered user. The credit score obtained by Qianhai Weizhong bank will not be disclosed, but a credit line will be disclosed to users, which is equivalent to putting the risk ahead, so as to improve the approval efficiency when users actually need funds< In fact, 45 seconds after the borrower applies for the loan, the funds are expected to be transferred to the account. In its comprehensive credit scoring system, there are more than 2000 social basic variables and more than 20000 intermediate variables, among which there are 20 or 30 key variables
. Qianhai Weizhong bank's long-term plan is not only to be a bank without outlets, but also to be a bank without deposits and loans. Based on the idea of platform, Qianhai Weizhong Bank tries to connect indivial users and micro enterprises with financial institutions that provide funds. In this process, Qianhai Weizhong bank provides risk control and loan management services
in the initial stage, because the risk control ability of Qianhai Weizhong bank has not been fully trusted by the cooperative financial institutions, for the credit procts of Qianhai Weizhong bank, the cooperative bank only contributes 80%, while Qianhai Weizhong bank contributes 20%, so Qianhai Weizhong bank still bears certain credit risks. Qianhai Weizhong bank provides loans mainly from capital and shareholder deposits, and has not absorbed any retail deposits. Compared with the simple model, Qianhai Weizhong bank may make a breakthrough in absorbing deposits on the mobile terminal in the future. There are two ways for it to develop deposit business:
(1) take deposits on its own and sell to depositors, so that it has not quit the role of credit intermediary
(2) to help cooperative banks absorb deposits, Qianhai Weizhong bank charges intermediary service fees, so as to completely withdraw from the role of credit intermediary. According to the current planning of Qianhai Weizhong bank, the second idea is more likely to be finally implemented.
however, Tencent has not set foot in the field of Internet Finance except its TenPay. Therefore, Tencent's own Internet Finance talents are scarce. Qianhai Weizhong bank's senior management is dominated by the former Ping'an department. In addition, Qianhai Weizhong bank has also recruited the grassroots staff of Ping'an bank as the bank's back office technicians and business personnel. As Ping An Bank is the most successful joint-stock commercial bank in personal loan business at present, this is also the reason why Qianhai Weizhong bank has absorbed a large number of talents from Ping An Bank
in terms of organizational structure design, the bank has set up five business divisions, including credit card business division, retail and small and micro business division, and interbank finance business division, as well as micro finance business division and science and Technology Business Division [7]
from the perspective of organizational structure, Qianhai Weizhong bank's business layout focuses on small and micro financing and personal consumer credit, and people who are good at using the Internet, such as young people, white-collar workers and other grassroots groups, are the main customer targets of Qianhai Weizhong bank
however, in the past six months since its opening, Qianhai Weizhong bank has only launched a micro credit proct "micro credit" open to a small number of consumers, making proct innovation difficult. One of the important reasons is the lack of account system. Now that the problem of remote account opening has not been solved, Qianhai Weizhong bank can only launch procts that can "survive on a curve" without relying on accounts or other accounts, such as personal credit business
e to Qianhai Weizhong bank's monopoly position on social platforms such as wechat and QQ, micro credit procts need not invest too much energy in marketing, but only need to control the risk. The risk control data sources of Qianhai Weizhong bank mainly include two aspects: one is the external data of PBC credit reference, public security law, ecation, etc; Second, Tencent social and payment data. The core of its risk control is to prevent fraud, which includes five processes: (1) determine who is operating through the white list invitation system
(2) identify whether it is my common equipment
(3) identify whether it is a common network environment< (4) identify whether the network environment is secure or not
(5) identify the bank card to ensure whether the loan funds enter my account. Qianhai Weizhong Bank tries to balance the contradiction between service process simplification and risk control by continuously optimizing the risk control model. The foundation to solve this contradiction is to build a comprehensive scoring system for Qianhai Weizhong bank and get the credit score of each registered user. The credit score obtained by Qianhai Weizhong bank will not be disclosed, but a credit line will be disclosed to users, which is equivalent to putting the risk ahead, so as to improve the approval efficiency when users actually need funds< In fact, 45 seconds after the borrower applies for the loan, the funds are expected to be transferred to the account. In its comprehensive credit scoring system, there are more than 2000 social basic variables and more than 20000 intermediate variables, among which there are 20 or 30 key variables
. Qianhai Weizhong bank's long-term plan is not only to be a bank without outlets, but also to be a bank without deposits and loans. Based on the idea of platform, Qianhai Weizhong Bank tries to connect indivial users and micro enterprises with financial institutions that provide funds. In this process, Qianhai Weizhong bank provides risk control and loan management services
in the initial stage, because the risk control ability of Qianhai Weizhong bank has not been fully trusted by the cooperative financial institutions, for the credit procts of Qianhai Weizhong bank, the cooperative bank only contributes 80%, while Qianhai Weizhong bank contributes 20%, so Qianhai Weizhong bank still bears certain credit risks. Qianhai Weizhong bank provides loans mainly from capital and shareholder deposits, and has not absorbed any retail deposits. Compared with the simple model, Qianhai Weizhong bank may make a breakthrough in absorbing deposits on the mobile terminal in the future. There are two ways for it to develop deposit business:
(1) take deposits on its own and sell to depositors, so that it has not quit the role of credit intermediary
(2) to help cooperative banks absorb deposits, Qianhai Weizhong bank charges intermediary service fees, so as to completely withdraw from the role of credit intermediary. According to the current planning of Qianhai Weizhong bank, the second idea is more likely to be finally implemented.
6. You can understand the financial records and transaction list details of the account in Weizhong bank through the [transaction query] in Weizhong bank app“ Transaction query has four entries in the app, namely, the top right corner of the account page, the top right corner of the wealth page, the top right corner of the loan page, and the top right corner of the equity page, which is very convenient.
7. You can understand the financial records and transaction list details of the account in Weizhong bank through the [transaction query] in Weizhong bank app“ Transaction query has four entries in the app, namely, the top right corner of the account page, the top right corner of the wealth page, the top right corner of the loan page, and the top right corner of the equity page. It's easy to find.
8. After login, there is a avatar in the upper left corner. If you click in, a personal center will appear. You can see your transaction flow by looking at the transaction records
9. Log in to the microbank app, click the avatar in the upper left corner to enter the personal center, and then click the transaction record column to view all the billing records.
10. The three banks "face to face" in the operation mode, and both want to make a platform of light assets. E-commerce banks, because of their previous small loan foundation, take the "self support + platform" mode, and micro public take the platform mode
both Weizhong and e-commerce have the capital to build the asset light model. Tencent, the micro majority shareholder, is China's social overlord, while Ali, the major shareholder of Internet business, monopolizes China's e-commerce. Both of them have a huge user base. From the perspective of the number of payment users, e-commerce has opened up a large part of wechat
Weizhong bank
its full name is "Shenzhen Qianhai Weizhong Bank Co., Ltd." its legal person is Gu min, former deputy general manager of Ping An Group and current chairman of Weizhong bank. It was approved by Shenzhen Banking Regulatory Bureau on December 12, 2014. It was registered and established on December 16, 2014 in Shenzhen, Guangdong Province, with a registered capital of 4.2 billion yuan, It has the qualification certificate of fund sales business issued by the CSRC
micro credit, a personal credit proct released in May this year, has a loan line of less than 5-200000 yuan. In the new version of wechat 6.2.6 launched yesterday, "micro credit" is added under the column "wallet bank card"“ "Micro loan" is to select the first batch of users who are most suitable for "micro loan" customer positioning through the "white list" mechanism. In addition, if you have a default record in the central bank's personal credit report, the system will also identify it and tell you that you "can't borrow money."
with the authorization of customers, the first step of micro particle loan is to carry out anti fraud verification, and then run the data of six moles, including public security data model, central bank credit information data model, hand Q social model, wechat social model, TenPay payment data model and capital hunger model. The final lending amount is determined by these six moles
e-commerce bank
its full name is "e-commerce Bank Co., Ltd.", and its legal person is Jing Xiandong, CEO of ant financial services. It was registered and established on May 28, 2015, and officially opened on June 25, 2015. It is located in Hangzhou, Zhejiang Province, with a registered capital of 4 billion yuan. Its business scope also includes sales of securities investment funds
e-commerce Bank: e-commerce loans, personal credit procts, the daily interest rate of loans is 0.02%, lower than 0.05% of micro loans, with a maximum of 1 million yuan and a maximum term of 12 months, which can be borrowed and returned at any time. In order to borrow PK procts from microblog, Alipay will use the entrance now, and will go online to the Bank of the Internet business in the future.
e-commerce Bank: e-commerce bank follows the ant small loan risk control system. A typical model based on Internet and big data is called "hydrological model". With this database, we can not only improve risk management, smooth the influence of various special factors on credit granting objects, help credit granting units to conct credit granting on the basis of more detailed data, but also predict the trend of small and micro enterprises' own operation and the node and amount of small and micro enterprises' capital demand
Xinwang bank is the third private bank in China and the first private bank in central and Western China to operate based on Internet mode. With a registered capital of 3 billion yuan, Xinwang bank is initiated by shareholders such as new hope group, Xiaomi and Hongqi chain. It is the seventh private bank approved by CBRC in China and the first private bank in Sichuan Province
Xinwang bank serves more than 9 million customers, with an average loan amount of 3300 yuan per capita and an average loan period of 75 days
in terms of core competence, the average approval time of a single credit of Xinwang bank is 40 seconds, and the fastest approval time is 7 seconds, which shows that its approval speed and efficiency are quite high. In addition, the peak number of daily transactions of users is 3 million. At present, the balance of assets under management has exceeded 10 billion yuan. For the new bank, which has only been established for one year, these achievements are considerable.
both Weizhong and e-commerce have the capital to build the asset light model. Tencent, the micro majority shareholder, is China's social overlord, while Ali, the major shareholder of Internet business, monopolizes China's e-commerce. Both of them have a huge user base. From the perspective of the number of payment users, e-commerce has opened up a large part of wechat
Weizhong bank
its full name is "Shenzhen Qianhai Weizhong Bank Co., Ltd." its legal person is Gu min, former deputy general manager of Ping An Group and current chairman of Weizhong bank. It was approved by Shenzhen Banking Regulatory Bureau on December 12, 2014. It was registered and established on December 16, 2014 in Shenzhen, Guangdong Province, with a registered capital of 4.2 billion yuan, It has the qualification certificate of fund sales business issued by the CSRC
micro credit, a personal credit proct released in May this year, has a loan line of less than 5-200000 yuan. In the new version of wechat 6.2.6 launched yesterday, "micro credit" is added under the column "wallet bank card"“ "Micro loan" is to select the first batch of users who are most suitable for "micro loan" customer positioning through the "white list" mechanism. In addition, if you have a default record in the central bank's personal credit report, the system will also identify it and tell you that you "can't borrow money."
with the authorization of customers, the first step of micro particle loan is to carry out anti fraud verification, and then run the data of six moles, including public security data model, central bank credit information data model, hand Q social model, wechat social model, TenPay payment data model and capital hunger model. The final lending amount is determined by these six moles
e-commerce bank
its full name is "e-commerce Bank Co., Ltd.", and its legal person is Jing Xiandong, CEO of ant financial services. It was registered and established on May 28, 2015, and officially opened on June 25, 2015. It is located in Hangzhou, Zhejiang Province, with a registered capital of 4 billion yuan. Its business scope also includes sales of securities investment funds
e-commerce Bank: e-commerce loans, personal credit procts, the daily interest rate of loans is 0.02%, lower than 0.05% of micro loans, with a maximum of 1 million yuan and a maximum term of 12 months, which can be borrowed and returned at any time. In order to borrow PK procts from microblog, Alipay will use the entrance now, and will go online to the Bank of the Internet business in the future.
e-commerce Bank: e-commerce bank follows the ant small loan risk control system. A typical model based on Internet and big data is called "hydrological model". With this database, we can not only improve risk management, smooth the influence of various special factors on credit granting objects, help credit granting units to conct credit granting on the basis of more detailed data, but also predict the trend of small and micro enterprises' own operation and the node and amount of small and micro enterprises' capital demand
Xinwang bank is the third private bank in China and the first private bank in central and Western China to operate based on Internet mode. With a registered capital of 3 billion yuan, Xinwang bank is initiated by shareholders such as new hope group, Xiaomi and Hongqi chain. It is the seventh private bank approved by CBRC in China and the first private bank in Sichuan Province
Xinwang bank serves more than 9 million customers, with an average loan amount of 3300 yuan per capita and an average loan period of 75 days
in terms of core competence, the average approval time of a single credit of Xinwang bank is 40 seconds, and the fastest approval time is 7 seconds, which shows that its approval speed and efficiency are quite high. In addition, the peak number of daily transactions of users is 3 million. At present, the balance of assets under management has exceeded 10 billion yuan. For the new bank, which has only been established for one year, these achievements are considerable.
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