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外资行“冷待”中国式直销银行

2017-09-04 08:31:05   中国经济网

从2013年7月,民生银行成立直销银行部到今天,国内直销银行已走过4个年头。但《国际金融报》记者梳理发现,目前直销银行的玩家绝大部分都是中资银行,其中城商行又占了大部分比例,鲜见外资行的身影。

近日,大华银行推出的国内第一家外资银行直销银行正式上线,姗姗来迟。记者注意到,早在2014年,东亚银行行长助理张少锋就曾在公开场合表示,以数字为基础的直销银行是未来银行发展一个很好的方向,在不久的将来,将会产生很多的银行,或者传统银行将向这方面转换,而东亚银行的未来发展定位就是银行互联网化。

但至今,目前国内直销银行的队伍中鲜见外资行的身影,渣打银行、花旗银行和东亚银行均没有直接开展直销银行业务。根据易观智库统计数据,中国直销银行数量已达60家以上,参与主体多为股份制商业银行及城市商业银行,占总数的81%。

“谨慎展业”是中国内地大众对外资行的最深印象之一,迟迟未打造直销银行也是这个原因吗?

中国式直销银行

对于直销银行,业内是怎么看的?

某外资银行人士在接受《国际金融报》记者采访时指出,“要问外资行是否有从事直销银行业务,首先需要搞清楚直销银行的概念是什么。”

“直销银行最早出现于上世纪90年代末,在北美、欧洲等发达国家因人力成本、运营成本高企而逐渐发展成熟。其最大优点在于业务拓展不需要实体营业网点和人员配备,明显节约了运营成本;与此同时,也可以为顾客提供比传统银行更便捷、优惠的金融服务。”建设银行德国法兰克福分行工作人员张瑜(化名)对《国际金融报》记者介绍。

民生银行原北京分行中层人员杜涛(化名)对《国际金融报》记者提到,除了上个月刚开业的百信银行,目前国内其余直销银行均以银行业务部门或事业部的形式存在。所以这就会出现一个问题,很多城商行做直销银行业务只是把它当成电子银行的补充渠道,没有明确其业务特色和盈利模式。

“所以目前看下来,中小银行的直销银行做得都不出彩。很大原因是因为并未对直销银行投入太多,组织架构上没有单独经营,而在运营上也没有配套的联动部门;部门人员也都是从电子银行等各个部门调过来拼凑而成;除此之外,直销银行的很多理财类金融产品实质上就是从传统金融机构而来,还有部分直销银行直接包装了P2P理财产品上线。”杜涛指出。

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