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如上所述,银行单方面开展校园贷存在诸多的短板,但同时也要看到,互联网消费金融公司也有问题所在,最大的发展瓶颈就在于流动性,由于很难获得低成本资金,导致利率居高不下。
“所以最好的方式就是银行出资金、互联网消费金融平台做运营,包括线上获客、电商运营、审核风控等等,双方发挥各自的优势,共同把这块市场耕耘好。”
今年全国两会期间,中国银行副行长许罗德也提到这一观点。他认为,金融监管机构要鼓励商业银行、持牌消费金融机构等金融正规军在校园消费金融服务中发挥主力军作用,而市场化机构则需要加以规范,并发挥补充辅助作用,二者形成有效衔接。
事实上,在银行重启校园贷业务之前,互联网消费金融公司已经在和银行开展多种形式的合作,并且证明这样的模式是可行的。
以前文提到的分期乐商城为例,分期乐已经与工行、农行、中行、建行、招行、交行、广发银行、上海银行等数十家银行及金融机构在消费场景、资产、资金合作、发卡等领域全面合作,通过合作有效降低了资金成本,共同开发潜在客户,让更多的年轻人享受到了普惠金融服务。
随着建行、中行相继为校园贷开正门,预计今后一段时间,将会有更多的银行加入到校园金融服务的大军中来。而且,未来这些银行的校园贷业务,在模式上也可能会出现更多创新,例如与互联网消费金融公司合作等,据悉目前已有部分银行在做这方面的打算。
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