The Characteristic Development Countermeasure Of Shenzhen Qianhai Webank

Shenzhen Qianhai WeBank,as a pure online private bank,is a featured bank established in Qianhai,Shenzhen in 2015 and operating on the Internet throughout the country.Compared with traditional banks,Qianhai WeBank is the first private bank in China.The injection of private capital into banks is a historical stage of financial reform.Compared with other private banks,Qianhai WeBank is the first pure online business.Bank of.Its emergence and development reflect the rapid development of private banks in China's private economy.But in the past,the private banks represented by WeBank were in the initial stage of development.They summarized the characteristics of Qianhai WeBank's business development,identified the causes of the problem analysis,and proposed countermeasures.These were for WeBank itself and the future private banks.Healthy development plays an extremely important role.On the basis of reviewing the development history,theoretical support,and development issues of private banks,the previous development of WeBanks characteristics as a case illustrates the development status of Qianhai WeBank and sums up Qianhai WeBank in pure line.The unique developments in the operation of small loan deposit business,leading patents for artificial intelligence and blockchain,risk control with big data,and diversified employee systems,etc.;analysis of such features as the development of Qianhai WeBank's characteristic development process.Lack of homogeneity of loans,small business operations,single marketing channels for online operations,low availability of big data,and instability of operating teams,etc.;Focus on Qianhai WeBank's unique development of asset-light operations strategy,central bank remote account opening policy,unclear positioning,employee system,etc.;proposed countermeasures to promote the characteristic development of Qianhai WeBankin the future,such as strengthening online cooperation to enhance competitiveness,central bank's remote account opening policy should be gradually relaxed,and actively expand effective customer data Improving employees' incentive measures to increase employee stability.