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未开业质疑先至 百信银行被百度“黑名”牵累?

2017-08-28 08:41:48   中国经济网

从股东结构来说,中信银行才是百信银行绝对控股的股东,在利用数据和数据保护方面,中信银行不会任由百度施为。

“百度的东西,呵呵,能不碰就不碰。”不少网友这样评论近日获得银监会开业批复的百信银行。

当这家融合了商业银行与互联网公司双重基因、得到“全国首家独立法人直销银行”光环加持的新银行紧锣密鼓地准备隆重登场时,网友的质疑声也接踵而至,甚至有人直言:“拒绝接受”。

还未正式开业就被拒绝,这家仍处在“孕育期”的直销银行做错了什么?

《国际金融报》记者在总结多条负面评价后发现,百信银行第二大股东百度一直以来在消费者心中的负面形象竟成了百信银行的“原罪”,影响了消费者对百信银行的接受度。

“莆田系”阴影笼罩

近日,中信银行发布公告称,已收到中国银监会核发的《中国银监会关于中信百信银行股份有限公司开业的批复》(银监复[2017]255号),批准百信银行开业。

公开信息显示,百信银行的发起人为中信银行和百度,注册资本为20亿元。从股权结构来看,中信银行和百度公司分别认购百信银行14亿股、6亿股普通股股份,入股比例分别为70%、30%。值得一提的是,民营企业入股民营银行最高上线也是30%。

由于在融合了传统商业银行与互联网公司双重基因的同时,还得到“全国首家独立法人直销银行”光环加持,百信银行被业内人士普遍看好,认为百信银行或将打破一直以来我国直销银行“不温不火”的僵硬局面。但不少消费者却选择了用脚投票。

记者仔细浏览了各类负面评价后发现,网友的矛头多指向与百度有着千丝万缕联系的莆田系:“存款1万,送莆田系医院VIP”、“百度敢做银行,会不会是莆田银行”、“以后可以用百信贷款去莆田系医院提前消费的节奏吗?”

还未开业,更未公开任何产品,这样的百信银行如何被网友与莆田系扯上关系?

公开资料显示,“莆田系”每年为百度创收约120亿元;同时,得益于搜索引擎营销,“莆田系”占据了民营医院80%的江山。但高收益背后,则是同样巨大的骂名。去年5年,“魏则西事件”让百度竞价排名广告饱受诟病;今年7月,百度地图误导用户至“莆田系”医院一事,再度引爆百度的信任危机。在很多网民的逻辑链条上,“百度”与“莆田系”、“虚假广告”、“没下限”划上了等号。因此,尽管百信银行属于“百度金融”业务,和莆田系所属的百度推广业务也并无直接关系,但网友看到百信银行有着“百度血统”,也就自然而然地联想到“莆田系”,从而降低了他们对百信银行的接受度。

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