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五大行进军校园贷 联姻互金导入场景成趋势

2017-09-26 07:33:00   中国经济网

“新一轮的消费信贷竞争是场景竞争,而缺乏应用场景正是银行的短板所在。尽管银行资金实力雄厚、业务模式齐全,在线下业务和风控方面积累了丰富的经验,但缺乏互联网金融平台的电商大数据积累。” 捷越联合创始人兼捷越普惠总裁马天帅表示。

郑常怀对《证券日报》记者称,“首先是产品定价,如何做到利率最优惠的同时,还能让商业银行有盈利空间;其实借款用途也是考虑范围,事实上,校园贷之所以出现各种问题,主要在于借款用途审核不严,但是如果借款用途过于严格,业务就很难开展起来。”

有业内人士表示称:“校园贷风控是业务的重中之重,也是痛中之痛,所以准入门槛、申请流程等方面都会谨慎,这也造成了成本的上涨,相对来说利润空间就相当小了。”

银行进军校园贷

与互金合作是未来趋势

实际上,据《证券日报》记者发现,目前银行业在发展校园贷市场上,似乎都倾向于与互联网平台合作。此前,中国银行、招商银行和平安银行等相继与分期平台爱又米签订战略合作协议,显示双方已经有合作意向。作为分期平台,爱又米的核心优势无疑是风控和场景。工商银行则选择与分期乐合作。

马天帅认为,“银行在营销和新模式探索上也不如互金平台优势明显,因此银行希望把金融服务从网点、手机银行、网上银行等自身渠道,延伸到互金平台的场景中去,这也是银行探索与互金平台合作的基本出发点。此外,互金平台除了可以通过与银行合作‘分得一杯羹’,互金平台依托大数据风控还能够对学生进行精准画像,能够有效降低可能存在的风险,因此互金平台与银行联姻是优势互补,合作共赢的局面。”

“以目前国内互金行业的发展形势,银行与互联网金融机构合作应该会成为未来的发展趋势。银行具有成本优势,而互联网金融则有流量和场景优势,两者相互契合。互联网金融机构有着学生群体热衷的作为流量端口的场景,在群体大数据、互联网运营、金融科技和客群资源都具有较大优势,可以帮助银行大大降低成本,提高风控效率。”黄诗樵最后表示。

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