Is it necessary for Yilian to make a white list? What are the good products?

The white list of Yilian Bank is basically divorced from ordinary people, (1) it needs to deposit 200,000 yuan to be opened, (2) it needs to add account managers to be opened, and (3) it needs to deposit 500,000 yuan or 1 10,000 yuan if the interest rate is slightly higher. Not to mention the specific deposit products, the amount of funds is different, and the products you see are different.

Yilian Bank, established in Jilin Province on May 3rd, 2065438+2007, is the first private bank in Northeast China with a registered capital of 3 billion yuan. Official website showed that "Yilian Bank is one of the four Internet banks approved to carry out online deposit and loan business in China". The other three banks are Weizhong Bank, Online Merchant Bank and Wangxin Bank. I wonder if this title can be used as a reason why local corporate banks are not restricted by deposits in different places? Because the central bank has stated that there are no physical business outlets, Internet banks that conduct online deposit and loan business are not restricted by deposits in different places, but are bound by the deposit self-discipline mechanism. Among the shareholders of Yilian Bank, Zhongfa Financial Holdings holds 30% of the shares as the major shareholder, and Meituan Review holds 28.5% as the second largest shareholder. Meituan and Yilian Bank are still unclear for the time being. Interested friends can search online.

Since its establishment four years ago, the performance of Yilian Bank has improved year by year, with a loss of 57 million in 20 17 years, a loss in 20 18 years, a profit in 20 19 years150 thousand. The latest annual report in 2020 shows that the assets of Yilian Bank increased by 44% year-on-year, the revenue of 956 million increased by 64% year-on-year, and the net profit of 220 million increased by 44% year-on-year. Among 19 private banks, the total assets ranked seventh.

However, in the 2020 annual report, there are two data of Yilian that deserve special attention. The loan-to-deposit ratio of Yilian Bank 1 104.34% is on the high side. Although 75% of loan-to-deposit ratio red-line countries have been removed, the loan-to-deposit ratio of a bank is not as high as possible. Because banks have to cope with customers' daily cash withdrawal and daily settlement, they need to maintain a certain cash deposit reserve. If the loan-to-deposit ratio is too high, this part of the funds will be insufficient, which may lead to a bank payment crisis; Second, the personal deposits of Yilian Bank account for 74%, that is to say, most of the personal deposits of Yilian Bank or all private banks actually come from the Internet. With the suspension of internet deposits and deposits in different places, 202 1 may be a difficult year for private banks to collect deposits, which requires private banks to cross the ocean and show their magic!