Batch curtain of private banks?Source: Tiger Camp banks seem to sniff users getting closer and closer to us, led by the CBRC, the central bank and the State Administration for Industry participation in the drafting of the implementation details of the private bank, reportedly the fastest in November, will be issued no later than December . The first includes the United States, Suning, Angelo and so on up 17 private companies have submitted an application, waiting for government approval of a paper. Private Banks exactly what will be the size of the floor, set up a regional or national networks, whether commercial enterprises can get the first license, these in-house banking sector because of the different interests of the game is intense and seek balance. No matter what, in December for the licensing of private banks have not much suspense. The role of private banks in the future economic structures are high hopes, macro level, hoping to break the existing monopoly of state-owned commercial banks, improve financial ecology, a multi-level financial system, improve the efficiency of macro-financing, to help promote the settlement of China's economic structure Type of contradictions. Micro level, it is desirable to NIKE KD 6 NSW ease the private economy, small and micro enterprises and the 'three rural' financial constraints faced invigorate the real economy. In the current national banks, local banks, small loan companies and rural banks to build a system, whether it is network coverage, service population coverage, and services are very high degree of information technology, banking outlets attitude compared to individual users There was also a very big change, but also a monopoly on the current high profits in the financial sector project. Reform of the financial Nike Air LeBron EE system in this country Guotuiminjin policy-driven, the demand for private capital into the financial system is urgent, private banks in order to make a living mixing economy, enhance the financial allocation efficiency of catfish, and the traditional state-owned commercial Bank fierce trench warfare will be inevitable. Private banking radical trotting treasure Ali small test by the balance of financial power of the Internet, the private capital into the financial system to be fully excited enthusiasm. Up to now, there have been US group, Hongdou Group, Aokang International, Angelo, Chint Electric, Huafeng Group, Anhui Xin'an Financial Group, Yunnan Holdings equity funds, Yurun Group, the three cell groups, Jieyang German metal eco-city , Hong Kong Group, the auspicious air, rehabilitation Group, Tencent, Suning Appliance seventeen companies submitted a formal application for the private banks. Suning Bank, business name Huarui Bank has gained SAIC pre-nuclear. From all indications, the current progress and, in December approved the first batch of private banks have been a natural thing. And with Ali, represented by Suning electrical business school will bid for the private bank to do the most adequate foreplay. Paying face Nike Air Max 2012 'CUP incorporate plans,' online POS business cooperation with Shanghai Bank, for various reasons after being cut off, Ali and Minsheng Bank has opened a direct bank shops, Minsheng Bank will open a direct bank Taobao shop, direct marketing electronic banking account and PayPal account system will be interoperable. Minsheng Bank to provide financial Cheap Nike Free Outlet products, Alibaba advantage of the platform and resources to expand, shop is expected to be available in October. Ali financial product innovation on the one hand through the Internet and electronic business platform aggregate traffic, the temptation to get involved in small and medium banks backdoor banking seize the initiative, on the other hand in the Jordan B'Mo game with the traditional financial system, and continue to test the bottom line, tease monopoly system exposes malpractice earn more public support for the financial reform. Whether to and not in a way we can say Ali is the winner. Suning Appliance is another false start secretly players, low-key and pragmatic, in the traditional banking business forms and Lebron James differentiation, Suning national chain Nike Kids Sneakers operating for many years, well versed in the exchange of the road with the government and financial institutions, which led the foundation to make 苏宁成SAIC to get home to get the pre-nuclear private enterprises, but also the most promising first private bank licenses. And a great opportunity for more involvement of private enterprise applying for a license on the financial market has long coveted the hidden, with respect to electricity providers and Internet companies, their business forms partial tradition, there is a big overlap with the state-owned commercial banks, only service target different, more targeted region, mainly made up point in traditional commercial banks do not pay attention to the small and micro enterprises and agriculture as well as in conjunction with their own business more closely related fields. Once a license is granted, Nike Air Griffey Max started a pilot, private banks will release their full vigor in the financial areas of the business aspect of innovation and promotion, which are state-owned commercial banks under the present system do not have the conditions and advantages. Self-adjustment pains will be inevitable. Traditional banking channels facing private banks to get involved in the upcoming three-dimensional split into three camps businesses, Internet-oriented enterprises, the electricity supplier enterprise, traditional Industrial enterprises, they have their own strengths in the business, while the number of users Nike Air Max trapping a lot of money, also it has a strong brand. These features are the traditional banks and financial institutions do not have, but also doomed the traditional financial channels will face three-dimensional diversion. After Internet companies involved in the financial banks will be apparent diversion in the field of communication OTT model has become a pipeline so that communications carriers, Internet companies through product took the most valuable part of communication. Internet banking make traditional financial institutions also face a 'pass over the top' of the situation. TenPay and Nike Air Jordan 8 micro-channel pay the new version of Tencent, through business expansion is occupying more and more users of cash flow and payment behavior, generate a depth viscosity. Users with any bank channel bank card only play the role of the Internet in the forced payment channels, the traditional banks need to do more to compromise the future use of the Internet channel to keep the user, but sadly user stickiness are bundled into a fortune on paid through micro-letters, etc. These OTT products, with which bank bank card, which is more than enough outlets for users have been irrelevant. Users of a second and Air Jordan Outlet third tier cities in the role of the Internet financial products, massive individual users will be removed from the operating room a wide range of traditional banking, and once Internet companies to obtain online banking license, the role of traditional banking channels for individual users will substituted. In the field of electronic business, Ali Alipay also doing the same thing, in addition to the payment, the balance of treasure and other products across the banking platform has already started selling financial products, utilizing Alipay users than cash deposit, to some extent already have Internet banking functions. Even a short time did not get online banking license, in the financial market backdrop, many regional banks in order to marginalize their own survival will Ali gestures. Ali will sell the shell resource for Internet banking reaches out to traditional financial. And Shanghai Banking Cooperation online POS machine business was halted after Ali and direct store Minsheng Bank and will be opened in October, in the face of hundreds of rural banks and private banks in large quantities into the future, Ali sitting of electricity supplier channels and hundreds of millions of users is a real party financial future. Shell resource for a lot of banks Ali 'graced.' As the most likely to get the debut of private banking license Suning, Suning bank may be the next most comprehensive competitiveness of the private banks. First Suning Appliance itself a great power chess in the next plate, hopes to be the next Ali. Also Suning, the country has more than 1,800 stores, more than the majority of the bank's network coverage, and are located in densely populated areas and commercial prime locations. If these stores allowed to open bank branches, for small loans, financial products, storage and other related businesses, set their own ATMs, Suning bank card and membership system, and all open, so strong Suning banks across the online and offline with Internet companies and banks do not have the comprehensive advantages. I believe this is the reason Suning in Internet companies Nike Hyperchaos Shoes 2013 can be the first to receive pre-trial SAIC. For branchless banking entity focusing Nike LeBron 12 on private enterprises, from the current policy point of view it is more likely to be designated as regional 'community bank', as is currently the traditional state-owned commercial banks, a useful complement to, rather than with the current state Commercial Bank repeated construction, vicious competition. Their development direction is to make the service more with regional specialties, business more targeted, focusing on urban communities and agriculture services in the light of large-scale distribution outlets, and can be a real service to the financing needs of small and micro enterprises and individual users, as well as more complex three rural service. The vitality of private capital in this area will obviously be more useful. Rather than as they are now a lot of rural commercial banks and rural banks a mere formality, as in the bigger financial services, but can not really serve the small and micro enterprises and agriculture. Shrinking traditional banks in the short term is an inevitable trend, they can not have private banks in the market keen sense of smell and flexibility in business innovation and promotion. After the rise of the private banks, the efficient allocation of funding levels will accelerate the financial market and revolutionize the financial structure of the state-owned commercial banks will return to the macro level, on a large-scale enterprises, local governments, the Womens Nike Zoom Hyperflight PRM main core sectors of the national economy financial configuration , and it will be more personal financial services segments and let the private banks. Tyrant and recruits eating game will be normalized capital-intensive, high degree of information, talent pool of traditional banking and financial system of course will not stand still, hand over the market cake. In fact, the balance of treasure brought only two months after the Internet banking boom caused a collective awareness of traditional banking. Including ICBC, CITIC Bank and other banks governor has publicly expressed 'no change would be revolutionary' point of view. Internet banking in foreign countries had not a new thing, conventional banks are also in the planning of their own countermeasures. On the one hand the banks and on the next line credit card mall business resources, vigorously develop its own electronic business platform. Commercial Bank of China 'pay + financing' integrated e-commerce platform has been initially formally launched on October 19. Minsheng Bank to join including Liu Yonghao, Shi Yuzhu, Guo Guangchang and other 'all-star investment team' together to create a livelihood e-commerce limited liability company (Minsheng electricity supplier) are also on August 29 incorporated in Shenzhen, the company has registered capital of 30 billion yuan. China Construction Bank, China Bank of Communications, Agricultural Bank of China, also have established their own e-commerce platform. To create a business platform for banks in the short term is a thankless live, costly and input-output ratio is not high, but by creating a closed loop of the financial environment, will pay innovation, finance, customer integration, financial product sales integrated on a single platform, bringing massive capital behind, big data, the banks have a very large value. Meanwhile, the bank also by means of electronic business platform to increase customer stickiness. The platform for market-oriented interest rate faced by traditional banks are likely to make up for the rapid decline of future performance, as well as an important measure of financial products and Internet companies to compete. On the other Nike Air Jordan 29 hand, banks have accelerated the pace of its own Internet-based products, to expand Finance Internet to offset financial alternative for Internet banking. Beijing recently partnered with ING Bank will jointly launch the first direct bank, break time, place, outlets and other restrictions, the main provider of financial products and services to achieve the transformation model and development model of bank business customers through electronic channels. CITIC Bank Credit Card Center is in August and has more than 80 million users of personal financial management APP ISP network readily signed a cooperation agreement, through the large data and Internet channels, the use of mobile Internet technology integration advantages in risk control, realize CITIC Banks' letter Campbell 'Product of speed approval. Including China Merchants Bank, Bank and other banks have launched Internet-based self-service financial products and accelerate the expansion of the Internet of finance. How effective these initiatives eventually be market tested. It is expected that traditional banks defenses and offensive snatch private banks in the future a longer period of time will become normalized, which is the inevitable result of the financial markets, the financial sector is necessary for healthy competition.