What is an Internet bank without branches?

This is my country's first Internet bank and the first private bank approved for opening. Shenzhen Qianhai WeBank, which is currently undergoing trial operations, has become the focus of social attention. How will this Internet bank, which is said to have no branches, no guarantees, only serve individuals and small and micro enterprises, and no large corporate departments, serve the public? The reporter recently visited this bank, which is still in the trial operation stage. The first online bank is indeed unique. It does not have a spacious business hall or gorgeous decoration. WeBank, located in Tianxia International Center, Nanshan District, Shenzhen, except for the benchmark interest rates and foreign exchange prices that are constantly scrolling on the electronic screen, the rest of the bank is completely invisible. After all, this is a bank. A large penguin shape placed at the door reveals its Tencent background and also shows its uniqueness. Compared with the high level of social attention, this bank's simplicity and low-keyness are somewhat unexpected. With a registered capital of 3 billion yuan and 400 employees, the headquarters only occupies two floors, with only a conference room enough to accommodate 20 people, and the office area of ??the bank leaders is only more than ten square meters. Compared with traditional big banks, these are really insignificant. Compared with "micro", people are more concerned about its "public". The eye-catching slogan on the wall of WeBank - "Inclusive finance is the goal, personal deposits and small loans are the characteristics, data is the starting point, and peer cooperation is the basis", marking the development direction of this innovative Internet bank's inclusive finance.

The business scope of WeBank approved by the China Banking Regulatory Commission mainly includes: taking deposits, issuing loans, handling settlement and bills, bonds, foreign exchange, bank cards and other businesses, which seems to be no different from traditional banks. But there are actually two differences:

First, it is a small deposit loan. Its main target customers are the working class, freelancers, migrant workers and other ordinary people, as well as small and micro enterprises and entrepreneurs that are in line with national policy guidance. Enterprise; second, there are no physical outlets, and business is completed online

. Unlike traditional banks, which mainly focus on large enterprises and large projects, WeBank mainly absorbs deposits from individuals and small and micro enterprises, and provides loans to individuals and small and micro enterprises. "In terms of business structure, since our service targets are different from other banks, it is impossible to establish large and comprehensive things, such as large corporate departments," said Li Nanqing, chairman of the board of supervisors of WeBank. WeBank's first loan of 35,000 yuan was granted to a truck driver. The driver was authenticated through remote "face scanning" and the lender's credit was assessed through big data analysis. In fact, it has already drawn a rough outline of how the first online bank will operate. The trial operation is progressing smoothly but in a low-key and cautious manner. Since it received regulatory approval for opening on December 12 last year, obtained its industrial and commercial business license on the 16th, and issued its first loan on January 4 this year, WeBank has made rapid progress. "The trial operation is mainly to test the product process. We have not officially interacted with customers in the market yet." Cao Tong, president of WeBank, told reporters that the test is mainly in terms of systems, products and risk control. Currently, it is relatively smoothly.