Wang Xin Bank, established on 20 16, is the seventh private bank in China and the first private bank in Sichuan. Relying on the digital operation mode of the Internet and with the vision of building a "new generation digital bank", after five years of development, Wangxin Bank has realized all-round digital, online and intelligent business processing, and has become a practical example of digital technology helping inclusive finance, green finance development and implementing the "double carbon" strategy.
Explore the differentiated development path based on inclusiveness; Whitney
Throughout the development of the industry, private banks have been carrying digital genes since their birth. Giving full play to the role of science and technology, implementing differentiated competition and taking the road of characteristic development have obviously become the development direction of private banks.
As a digital bank, since its establishment, the new network has forged digital risk control capabilities through C-side business, and continued to deploy digital inclusive services for small and micro enterprises to B-side. Judging from the answers to this year's financial report, the results are remarkable.
With the vision of "everyone has a cloud loan", based on the positioning of "mobile Internet and inclusive compensation" and the characteristic operation of "digital inclusive and open connection", Wangxin Bank relies on leading financial technology capabilities, robust big data risk control technology and efficient digital open platform operation mode to serve small and micro groups, support the real economy and practice inclusive finance. And give full play to the advantages of its own open connection, constantly expand the service radius of inclusive finance, and devote itself to promoting the arrival of the era of "universal credit granting" with digital technology.
After five years of exploration, Wangxin Bank has embarked on a differentiated road of "digital technology drives business development". Especially in the field of inclusive finance, Wangxin Bank is using financial technology to solve the two major problems of "high operating cost" and "difficult risk identification", which can provide financial services for new citizens, innovative entrepreneurs and small and micro business owners. For example, all-weather application and real-time repayment of loans.
It is reported that at present, Wangxin Bank continues to improve its business and product functions, accelerate the digital inclusive business layout of small and micro enterprises, and vigorously develop targeted business loans. At present, it has formed a business product system covering different scenarios, different customer groups and different types, such as retail consumption, small and micro operations and supply chain finance.
In 20021year, the growth rate of small and micro loans of the new network bank was obvious, which was 138 percentage points higher than that of various loans. At the same time, Wangxin Bank also actively uses direct monetary policy tools such as the central bank's small re-loan, loan deferred repayment policy and credit loan support plan to help national policies reach the grassroots level.
Establish technology to lay a solid foundation for inclusive green finance.
As a new generation of digital native bank, Wangxin Bank has been adhering to the concept of "technology bank" since its establishment. With digital technology as an effective tool and scientific and technological strength as the support of the underlying business of the bank, the technology will be applied to the fields of customer acquisition, products, risk control and so on, giving full play to the late-comer advantage of technological empowerment in financial innovation services. Consolidate the infrastructure construction of inclusive finance and green finance, and accelerate the ecological construction of green finance technology.
The whole process of banking business is digitized, technology drives business development, and the big data risk control system continues high-frequency iteration. At the same time, in daily management, the application for technology patent is
It is reported that on the one hand, Wangxin Bank provides financial services to users through its own service port; On the other hand, through its platform financial model, it connects China Mobile, China UnionPay and other large platform institutions to serve more users through more scene ports.
At present, Wangxin Bank regards science and technology as the "router" of assets and funds, and builds a digital risk management system based on "high-dimensional modeling and high-frequency iteration". By making relevant decisions to identify fraud risks, it has fully realized "full online display, full real-time risk management and full customer base opening", served a large number of "long-tail customers" who had difficulty obtaining sufficient credit services from banks before, and truly realized "cloud credit for everyone".
Promote innovation and increase green credit.
The regulatory standards of green finance are becoming more and more perfect. In June, 20021,the central bank issued the notice of "Green Finance Evaluation Scheme for Banking Financial Institutions", which formally included green credit, green bonds and other businesses in the scope of assessment and evaluation. The evaluation results will be incorporated into policies and prudential management tools such as the rating of financial institutions of the People's Bank of China, so as to further enhance the ability of finance to support green, low-carbon and high-quality development.
In the practice of green financial development, Wangxin Bank has taken different green paths from product innovation to service transformation, from credit supply to investment orientation.
Through the online credit model, the new online banking has reduced the carbon emissions in the process of institutional operation and customer loan application. Moreover, Wangxin Bank also regards environmental factors such as green environmental protection, clean energy, energy conservation and emission reduction as important evaluation indicators for the approval of offline B-end business of the whole bank, and builds a green credit policy evaluation system covering the whole process of pre-lending risk access, credit decision-making in lending and post-lending risk monitoring, so as to avoid financing of green non-standard enterprises and boost the green economy.
In terms of product innovation, Wangxin Bank has developed a number of digital financial products, such as "Good People Loan", "Good Business Loan" and "Good Enterprise E Loan", all of which are online, zero-contact and paperless.
Relying on the online credit business license issued by the supervision, Wangxin Bank has developed the first batch of C-side cloud credit products of banks in China-"Good People Loan", which can be handled "all customers, all online and all real-time". "Good People Loan" products are online, automated and standardized.
It solves the economic feasibility and technical feasibility of "small, high-frequency and short-term financing" fragmented credit service.
"Good Enterprise E-loan" is an operating loan product created by Wang Xin Bank for small and medium-sized enterprises, which provides qualified borrowers with working capital loans for production and operation. This product reaches customers through the mobile terminal, carries out cross-validation and risk management based on customer tax bill data and risk model, and the whole bank automatically handles business activities such as loan application, credit approval, contract signing, loan issuance and post-loan management.
Respond to the national strategic goal of "double carbon"
From 2020, China made the promise of "peak carbon dioxide emission and carbon neutrality" to the world for the first time, and by 20021,the strategy of "double carbon" was incorporated into the overall layout of ecological civilization construction, and China's determination to develop green was further demonstrated. Guided by the direction of digital transformation, Wangxin Bank has embarked on a development path that is different from and complementary to mainstream financial institutions.
New Network Bank regards green finance as one of the key indicators of bank development and performance appraisal. As a practitioner of green finance, Xinwang Bank reduces carbon emissions in the process of institutional operation and customer loan application through the bank-wide credit model. With in-depth exploration and personal practice of green finance, Wangxin Bank won the 202 1 "Green Carbon Pioneer" Preliminary Award and was named the most exploratory bank of the year.
In 20021year, under the joint guidance of Chengdu Branch of People's Bank of China and Chengdu Branch of People's Bank of China, Wangxin Bank publicly released the first environmental information disclosure report. The content shows that by the end of June, 20021,the online business of our bank has achieved remarkable carbon emission reduction effects in helping customers travel and operating themselves. According to the calculation of a third-party professional organization, the cumulative carbon reduction has reached 933,800 tons.
Behind the achievement of carbon emission reduction of nearly one million tons, the supporting role of science and technology as the backing is prominent. The digital professional and technical personnel of Xinwang Bank account for nearly 70%. As of March 2023, more than 400 patent applications have been submitted in digital credit, anti-fraud and big data use, and the number of patent applications ranks among the top in the global banking industry.
At present, the new network bank has built a closed loop of digital operation of the whole business process, and 99.6% of the loans have been automatically approved by the system. In addition, in the fields of collateral value automatic evaluation, off-line decision-making, real-time calculation, file management, etc. A number of patented technologies developed by Wangxin Bank have not only reduced costs and increased efficiency, but also achieved energy conservation and emission reduction.
At present, Wangxin Bank has been exploring the construction of carbon accounts for individuals and enterprises based on new technologies, accurately recording the carbon emissions of individuals and enterprises, incorporating carbon emissions into the loan risk assessment system, and formulating differentiated points incentives and financial support measures.
Five-year journey, exploration! On the road of digital transformation of green finance, Wangxin Bank gives full play to its scientific and technological advantages, channel advantages and product advantages, accelerates the development of inclusive finance services, promotes the low-carbon transformation of green industries, and helps the peak carbon dioxide emissions achieve carbon neutrality.
Related Q&A: How about a good loan from Xinwang Bank? New network good loans are reliable and formal. Wangxin Bank is the third Internet bank in China initiated by shareholders such as New Hope Group, Xiaomi and Hongqi Chain and approved by CBRC. The nature of Wangxin Bank is as formal and reliable as Tencent Weizhong Bank and Ali Online Bank. However, Wangxin Bank has no cash business and bill business, and its business is mainly peer-to-peer lending and depository, providing services for Internet financial institutions. If the borrower is Wang Xin Bank when you apply for online loan products, you can rest assured. Generally speaking, when borrowers apply for loans on online lending platforms, they all hope to find a platform with complete qualifications, low interest rates, formal procedures and fast lending speed. It's getting easier and easier to borrow money online now. Many pure credit loans can borrow money without mortgage guarantee, but the risk control mechanism of each platform is different and the threshold is different, and the loan amount will also affect the pass rate. For those who are in urgent need of capital turnover, it is more suitable to be able to lend money quickly and apply for simple microfinance. There are so many small loan apps on the market that I have counted some good small loan platforms for everyone. If you want to borrow money, put it away! 1. Money Flower is a personal micro-credit loan product under the former Baidu Finance (now Xiaoman Finance). The borrower is only 18-55 years old. It should be noted that college students cannot apply for loans with money. A convenient and fast micro-loan platform can provide a loan amount of 500,000 ~ 200,000 yuan (click online calculation). Register your account with real-name registration system mobile phone number, and provide your ID card+bank card. Baihu Baidu account is active and easy to pay, but the amount may not be very high. 2.360 IOUs 360 Finance should be familiar to everyone. We have seen many products with good reputation. 360 IOU is a formal and safe credit product under 360 Finance, which can be used as a micro-loan platform for customers who meet the credit conditions, with a credit line of 5 million to 200,000 (click online to calculate the credit line). As long as you fill in your personal information, upload your ID card and bank card to complete the authentication, and you can get a loan after the quota is issued. The speed of borrowing has a certain relationship with the borrower's credit conditions, such as 360 big data, stable repayment ability and good credit, which can quickly lend money in a few minutes. How can personal small loans have low loan interest? 1. Choose a suitable lending institution: give priority to bank loans. Compared with other financial institutions and some private lending institutions, the interest rate of bank microfinance will be lower, followed by licensed financial institutions and finally private lending institutions. How to choose specifically should be combined with your own actual situation. 2. Choose the appropriate loan type: Common loan types include credit loan, mortgage loan, pledge loan and secured loan. Although credit loans do not need mortgage guarantee, borrowing money by credit is risky and the interest will be higher. The latter three types of loans have collateral or guarantee, so the risk is relatively small and the interest will be slightly lower. 3. Choose an appropriate repayment method: Lenders usually give a variety of repayment methods according to the lender's credit status, such as average capital, equal principal and interest, interest before principal, etc., which will also affect the loan interest to some extent. Relatively speaking, the interest on average capital will be lower. 4. Become a high-quality borrower: in fact, it is to improve personal credit conditions and become a fragrant bun in the eyes of lending institutions. Generally speaking, we can start from two aspects: on the one hand, we must maintain a good credit, on the other hand, we must have a stable repayment ability, and we can also let ourselves have assets in our name by buying a house and a car, so that loans are easier and interest will be lower.