; Yin Zhizheng
1. CITIC baixin bank is called baixin bank for short, and its full name is CITIC baixin bank Co., Ltd., which is the first approved direct selling bank with independent legal personality. It is not a loan platform. It is a bank jointly sponsored by CITIC Bank and Baidu Company. Since 20 15, 165438 10, CITIC Bank and Baidu Company have announced that they are preparing to build baixin bank. After more than one year's efforts, baixin bank was officially approved by the China Banking Regulatory Commission on February 30th, 20 16. 2017 August 15, approved by China Banking Regulatory Commission. It officially opened on 20 17, 1 10, 18.
2. The credit report shows that CITIC Baixin's loan is a percentage loan, which is a loan business owned by baixin bank. According to the standards of financial institutions, the product needs to be checked for credit before it can be issued. Because it is necessary to check the credit information before applying, users with poor credit information can't get the loan amount. Naturally, if the loan applicant is overdue, the natural overdue situation will also be uploaded for credit investigation.
3. baixin bank released the SaaS open service platform of its wealth management subsidiary, and reached the first landing service cooperation with Yin Qing Wealth Management, which is also the first case that the SaaS open service platform of an Internet bank is connected to a bank wealth management subsidiary.
The wave of digitalization is in the ascendant. With the change of investors' behavior habits, "online" and "platform" have gradually become the competitive track for wealth management services. Internet banking, represented by baixin bank, has the natural advantages of "finance+Internet". Through intelligent, digital and platform-based technologies, it has formed the integration ability of software as a service, and through opening up financial services, it has continued to give full play to the advantages of Internet banking and deeply empowered the innovative development of wealth management business in Yin Qing.
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