Tencent released Webank’s 1st Internet banking product in China
OKOMP Marketing • 31 December, 2015
Tencent, the Chinese internet giant launched its private internet bank in Januaray 2015, last Friday 15th May, their first bank product – “Weilidai” opend to 50,000 selected clients.
Weilidai is focusing on providing credit based internet small loan, with maxium RMB 200,000 credit, daily interest rate is 0.05%, APR18%. Weilidai is connected with Tencent’s another private finance product “QQ wallet”, which will provide 7*24 service for Weilidai customers.
The clients are selected from ” White list” scheme.
被称为“白名单”的筛选机制，前期主要集中在腾讯和微众银行内部，而此次通过接入QQ钱包，也将其首批客户范围扩大至5万人。而被认定为客户的，只要在QQ上绑定任何一家银行卡，即能显示微众给予客户的授信额度，并能够完成实时快速到账。
预期之外的是，微众银行首批客户接入平台暂未包含微信平台，对此，不愿具名的微众银行中层向界面新闻记者表示，目前仍处于试水阶段，而接下来则将逐步扩大至微信等平台。
QQ钱包、微信钱包均由腾讯子公司财付通团队负责。其中，QQ钱包在去年正式仿照微信钱包，接入红包、理财等入口，尽管首批客户并未接入微信平台，但前述知情人士亦称之后的产品力度将更大。
不同于首笔贷款通过“人脸识别技术”发放，“微粒贷”是通过财付通旗下腾讯征信完成用户授信额度确定。腾讯征信的数据主要来源于社交和交易信息，通过信用分的形式，能够直接转化为贷款授信额度，而目前该产品亦在小范围内测中。
首批开放5万客户，每人最高贷款额度为20万元。以此计算，微众银行此次试水“微粒贷”最高可贷金额高达100亿元，而其注册金额目前仅为30亿元，且尚未启动存款类业务，其资金来源通过自身渠道无法完全满足。
根据微众银行内部人士的介绍，“微粒贷”的资金支持主要来源于自有资金以及同业拆借业务。界面新闻记者此前曾独家报道微众银行组织架构，其中，同业及公司事业部即专注于同业合作。
微众银行副行长黄黎明曾向记者表示，该行的重要业务之一，即为定位在互联网银行的同业合作，除资金业务外，微众银行亦在运营成本、风险控制上开展同业合作。
从“微粒贷”和“人脸识别贷款”来看，微众银行在远程开户和“面签”上做了较多准备，由于“微粒贷”嫁接在财付通的第三方支付账户体系，其贷款业务均在财付通体系中完成，而微众银行自身账户体系则未向客户开放。
央行在年初即发放了关于远程开户的指导意见，尽管尚未得到证实批准，但未经官方证实的消息是，央行在周末已发布文件，计划放开远程开户限制。
Tencent owns 30 percent of WeBank, while investment firms Baiyeyuan Investment and Liye Group each own 20 percent. Seven other shareholders make up the remaining 30 percent, and the entity as a whole has a registered capital of RMB 3 billion (US$482 million). The bank was approved in July and obtained all of its necessary licenses and permits by October 22.
Several internet giants have already taken a step into the finance realm by launching high-interest savings funds. Baidu, Tencent, and Alibaba each have their own, usually in cooperation with an existing bank. Alibaba’s has grown to be one of the biggest mutual funds in the world. Additionally, Alibaba and rival ecommerce company JD have set up small loan programs and credit systems for their merchants and customers, respectively.
Setting up their own banks means these internet companies will administer their own customers’ assets rather than just being the fresh face of an existing bank. That includes greater flexibility to hand out loans and set interest rates.
WeBank’s scope covers personal banking, corporate banking, and international banking.