中国直销银行:直销银行将改变数字银行业

Direct Banking in China
by Hua Zhang, October 14, 2014
Industry Trends
Asia-Pacific

Abstract

中国市场比西方国家市场更适合于直销银行的发展,比如:低端零售客户和小微企业得到的金融服务远远不够。Celent预计直销银行在中国银行业的比重将超过10%。

中国虽然有多家银行开设了直销银行,但是他们的模式并不是完全相同的。比如:民生直销银行则立志于成为完全独立的直销银行,并且采用纯粹的线上模式,核心战略目标是服务于低端零售客户和小微企业这种长尾市场;北京银行则借鉴ING Direct的经验,采取线上+线下模式,核心战略目标则是低成本吸收储蓄。直销银行的主要趋势包括:发展P2P信贷业务、发展理财产品、将大数据技术应用于信贷中和打通电商平台等。在新报告,中国直销银行,Celent分析了直销银行的市场规模、趋势、各直销银行的商业模式和战略。

“Celent认为在中国发展直销银行有如下建议:积极开展与大型电商的合作、充分利用母银行的中后台资源、差异化定位和发展线下渠道。”张华说,Celent分析师,同时也该报告的作者。

这篇报告描述了自助终端市场的发展趋势、细分市场和各个供应商的简介。

An English version of the report is also available.

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned operating unit of Marsh & McLennan Companies [NYSE: MMC].

Media Contacts

North America
Michele Pace
mpace@celent.com
Tel: +1 212 345 1366

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 (0)782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

Table of Contents

概要

1

直销银行市场 

2

 

商业模式

3

 

直销银行的市场规模

4

中国的直销银行 

5

 

民生银行的直销银行

5

 

阿里巴巴直销银行

8

 

北京银行的直销银行

10

 

其他直销银行

11

驱动和挑战 

12

直销银行的发展趋势 

13

总结 

14

Leveraging Celent’s Expertise

16

 

Support for Financial Institutions

16

 

Support for Vendors

16

Related Celent Research

17

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