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民营银行欲分享网贷蛋糕 资产端竞争不容忽视

2017-08-16 07:16:56   中国经济网

当前,民营银行在资产端与网贷平台形成竞争关系。但是,民营银行现阶段产品体系尚不完善,设立初期受较多制约,品牌效应、客群基础等也有所欠缺,对网贷平台还不足以形成替代效应

截至6月末,17家获批的民营银行中有近半数定位于互联网银行。这些银行分别是深圳前海微众银行、浙江网商银行、四川新网银行、福建华通银行、武汉众邦银行、吉林亿联银行、北京中关村银行和江苏苏宁银行。虽然民营银行更有意愿与P2P(网络借贷平台)对接资金存管业务,但民营银行与网贷平台在资产端的竞争也不容忽视。对于网贷平台来说,民营银行的密集开业是否意味着一场硬仗的到来?

据业内人士介绍,民营银行在资产端开发主要涉及个人信用贷款、中小微企业及创业企业贷款、车贷等,与网贷平台的小额资产开发形成直接竞争。

具体来看,微众银行的资产端包括微粒贷、微业贷、微车贷;网商银行有网商贷、旺农贷、信任付;四川新网银行有好人贷;武汉众邦银行有舒薪贷,等等。民营银行资产端主要的目标覆盖人群就是中小微客户,这与网贷的目标客户基本一致。

即便是具有特定区域存贷款模式的民营银行,在资产端上也对同地区网贷平台资产开发构成威胁。例如,上海华瑞银行主攻产业链金融、跨境业务贷款、中小企业信贷产品;温州民商银行的商人贷、信惠贷(个人消费贷款)、益商贷(个人车抵贷)、旺商贷(小微企业短期经营周转贷款)等。

“对比来看,民营银行的借款额度无论是个人或企业都高于网贷单个平台的借款限额,业务选择面更广。”盈灿咨询高级研究员张叶霞表示,但民营银行业务起步较晚,并且许多业务受到区域限制。例如,微众银行的微业贷目前仅限于广东地区,温州民商银行的商人贷需具有温州地区常住户口或拥有当地产权房,旺商贷限温州地区的小微企业法人。此外,民营银行“一行一店”的规则(即民营银行在总行所在城市仅可设1家营业部,不跨区域)也约束了其信贷业务发展。同时,很多民营银行的贷款业务需要资产或担保,手续上比较繁琐。

从投资理财角度来看,张叶霞表示,除了微众银行已有基金、资管、黄金和结构化产品以外,其他民营银行理财端目前产品较少,主要以银行存款为主,个别民营银行有保险、货币基金或现金管理类产品,风险偏好度较低,收益率普遍低于网贷产品,目前还不足以形成替代效应。

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