What impact has technology and finance brought to China Merchants Bank?

1. The unified business of local banks has been hit.

First of all, the deposit business of traditional banks has decreased. With the development of financial technology, the deposit business of our four traditional banks has been declining. 20 14 decreased by more than 450 billion in the third quarter, which was the first time from the deposit system19y9l. The reduction of deposit business has brought "money shortage" to banks, which has caused banks to borrow funds every month. It reduces the liquidity and profit of banks and increases various risks of traditional banks. At the beginning of 20 14, Mita Bank in our field began to join hands with village amateurs, which can give traditional banks a sense of fear.

Secondly, the loan business of traditional banks has been impacted. However, the sudden payment business of banks is far less than the deposit business. The most effective thing is that a part of the money went to Ketou, and there was no general savings business, that is, Jin Dong Science and Technology had a loan business, and there were few john young involved.

Thirdly, the intermediary business of traditional banks has been mixed. I think that the chaotic business scale of traditional banks in the past was not large, and Jinghua Bank did not benefit much from it. However, at the beginning of the year, Yibu.com launched wealth management products with income exceeding that of banks, and Jin Fu Science and Technology took a long position in intermediary business, which not only impacted bank deposits, but also squeezed the development space of traditional banks in intermediary business.

2. The credit intermediary function of commercial banks has not been weakened.

At present, the Internet economy in China is very hot, and the network technology of the ceremony is becoming more and more mature, which has always laid the foundation for the development of gold technology. First, Internet companies can use users' own advantages in several industries to predict consumers' preferences and credibility. Second, the financial business of internet companies has been expanding, which can record different financial behaviors of customers and provide the possibility for developing various businesses. Now internet companies are developing their own credit data and using their own speculation. The credit intermediary function of banks has been weakened continuously. If this trend continues to develop, in the future, the supplier and demander of funds will no longer rely entirely on the credit function of banks.