| With the fast development of internet, big-data and cloud computing technology in the modern world, it has laid a solid foundation for collecting, processing and analyzing the massive data. At present, a number of commercial banks and E-commerce giants in China have engaged in exploring various businesses. The Flash Loan launched by China Merchants Bank (CMB) is based on the transaction data. It has referred to the third-party data as the model for credit extension and pricing. Moreover, it can also realize the automatic processing of the full-process system including the loan application, approval, signature and granting. Recently, Industrial and Commercial Bank of China (ICBC) has announced its decision to form the internet financing center which aims to transform the individual credit loan from the professional management into the standard management. With the aid of internet and big-data technologies, it has also developed the unsecured, online and credit-based consumption and loan business. Ant Check Later which is launched by Ant Financial under the banner of Alibaba can evaluate such factors as the consumer purchasing history and payment habit. Through the big-data computation and risk control model, it has relied on the credit risk evaluation model of Zhima Credit as the basis for credit extension as well as granted the consumption and loan quota to those users online. Weilidai launched by WeBank of Tencent has focused on the instant communication, E-commerce transaction, social relationship chain and game behavior data which is collected by Tencent. After referring to the multi-dimensional data released by the central bank and the third-party organ, it has made use of statistics-to gain the credit scoring as the basis for credit extension. In addition, it can also realize the online approval and decision-making of consumption and loan products as well as realize the mode of real-time lending.In the face of the fierce competition from the non-bank online loan, many commercial banks in China will switch its traditional credit loan from offline mode to online mode by stages, which is also in step with the tendency of the internet exerting more influence on the bank operation. It will become the mainstream to advance the non-paper, electric and network-based financing service mode featured by the online and offline combination. As one of the five major banks in China, A Bank has also joined the ranks of internet financing without exception. Through the internet financing platform, it has designed and developed the online product for C product, which can realize the online application, approval, granting and repayment. As one of the three major telecom operators in China, B Company took the lead in launching the online internet-based B2B E-commerce platform in August of 2013. By linking the online transaction between the upstream phone terminal supplier and the downstream agency (directly aimed at selling the phone, card number and contract to those consumers), it can restructure the industrial China and also realize the full-process, full-channel and internet-based industry. In the early May of 2014, C product came to the attention of A Bank. A Bank believes it feasible to prevent the project risk by controlling the mode of agency commission. Hence, the bank has approached B Company to engage in this project and also developed the online platform for C product. Besides initiating the system development, this bank has taken advantage of the internet platform to design the product in the full-online process. At present, the platform has been launched throughout China.Based on the case of C product jointly developed by A Bank and B Company, this paper has made a study of the innovative mode for the bank-enterprise cooperation in terms of product background, early-stage survey, product design, operation management, market promotion and risk control under the background of internet financing. This paper has also pointed out the importance and necessity for the bank to embrace the internet financing. Aimed at those problems faced by A Bank when developing the C product and cooperating with B Company, this paper has put forward those key points for the late-stage nationwide promotion, including the bank-enterprise interface during the early stage of project initiation, the signature of cooperative contract, project promotion, the identification of target customers as well as the preparation of necessary hardware.In view of the high operation risk and weak anti-risk ability of the small-and-micro-sized enterprises, this paper has noted that A Bank should determine the relationship between the bank, enterprise and logistics during the process of developing C product. By making the balance between them, it will design the long-term cooperative plan for the win-win result. B Company should provide the data regarding the transaction and commission of those distributors with the financing demands. A Bank can extract and analyze the useful data and also build the customer crediting scoring system accordingly. The credit scoring can be monitored and adjusted dynamically based on the change of the sales. Hence, the quota of credit extension will be also determined in a dynamic manner. The differentiated pricing of interest rate can be provided based on the credit evaluation, thus controlling the probability of the loss to a certain extent. In order to implement the internet credit loan mode successfully, A bank has also designed a series of financial services and products including the financing, settlement and credit card, which can further enhance the customer loyalty and achieve the win-win result. In addition, the bank will give the economic and spiritual incentive to those customer managers meeting the target so as to arouse their initiative in promoting C product. Upon identifying the risk, those customer managers are required to report it immediately. For those customer managers concealing or failing to report the problems, they will be punished accordingly. In a word, the incentive and restraint mechanism will complement each other. |
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