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来源:新华财经 小编:朱岳 发布时间:2013年07月28日
内容导读: 银行流动性為何紧张?银行如何转型?7月14日,银监会前任副主席蔡鄂生、清华大学中国经济研究中心主任李稻葵、广发银行董事长董建岳三位嘉宾作客中央电视台二套《对话》栏目,共同探讨银行业目前面临的变局和挑战。
Expert evaluation of wide hair negotiable bank "business card", "a very significant innovation"
"The individual credit and small business on a"
Why do Banks' liquidity nervous? How to transform the bank? On July 14, the China banking regulatory commission vice chairman of former Cai Esheng, li daokui, director of the China center for economic research, tsinghua university, guangdong development bank chairman Dong Jianyue three guests at CCTV two set of "dialogue", to discuss banking industry is facing the change and challenge.
Show, attend the guests agree that along with the deepening of the marketization of interest rate, the patterns and the future management of the banking industry at present will be completely different. Dong Jianyue wide hair negotiable bank chairman, said the wide hair negotiable bank vigorously promote the strategic transformation, the positioning of the key development strategies in the small micro enterprise business, and in the organizational structure, procedures, management mechanism and so on a series of innovation integration. To meet the small micro enterprises small, fast, and convenient financing needs, wide hair negotiable bank recently launched innovative "business card".
"Five thousand dollars, five thousand dollars, can, two hundred dollars will do." Dong Jianyue guest spectators at the scene of the answer about the bank can give a minimum customers how much credits "questions, wide hair negotiable bank" business card "is a by Banks to small micro enterprise credit, enterprise need money when you can swipe. "Borrow a day, two days can also, borrow to pay interest on a day one day, borrow money to pay for two days two days."
It is understood that "business card" with "chip + magnetic stripe" technique is a debit card, with financing, settlement and added three big functions. Just after a review of credit process, card customers can obtain term of circular lines of up to five years and unsecured unsecured. After credit first, customers can through the wide hair negotiable bank online self-help bank lending and self-help payment, 24 hours, save worry save time. Customers also can according to your own cash flow situation with borrow with still, pre-determined by the day.
Li daokui, points out that at the time of economic development is not very rich, there is a very interesting phenomenon, is the enterprise credit is bad, but the personal credit is very good. "So China is in the market economy development of per capita GDP is low stage, this time should be prepared for personal credit, personal finance this card, the individual credit and joint in a small business." Guangdong development bank, "he said is a very meaningful innovations."
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