“我们的使命是满足中国那些只能获得有限金融服务的企业或个人的需求,网商银行执行董事长井贤栋(EricJing)表示,“网商银行的创立是为了向小微企业提供可负担的贷款。我们的目的是向小人物而不是富人提供银行服务。
Tencent, the online gaming and social media group. But questions remain about the feasibilityof an online-only business model for Chinese banking.
在今年1月,中国已成立了一家互联网银行微众银行(WeBank),该行是一家合资企业,最大股东是阿里巴巴的对手、在线游戏和社交媒体集团腾讯(Tencent)。但在中国银行业,纯线上模式的可行性仍存在一些问题。
Current regulations require customers to appear in person at a bank to open an account. InMarch, however, 21st Century Business Herald reported that the Chinese central bank wasdrafting new rules that would allow for online-only account openings. Large banks areadvocating stricter rules, while smaller banks and online players want a looser regime, thepaper reported.
当前的监管规定要求客户必须亲自前往银行开户。然而,《21世纪经济报道》今年3月曾报道,中国央行正在草拟允许网上开户的新规则。据该报报道,大型银行呼吁收紧规则,而中小银行和互联网企业则希望实行更宽松的监管制度。
Mr Jing said that the company’s facial-recognition technology, which could allow for identityverification via the internet, is “very mature, although he was unsure when, or if, regulatorswould approve its use. He also sought to downplay the importance of deposit taking.
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