After the Internet fully covers the mainland, many new occupations and new things derived from the Internet have emerged, invisibly changing the way of life of the people on the mainland, such as the emergence of mobile payment, from the past to carry a lot of cash, if you transfer money to distant family members, you need to go to the bank to go through various cumbersome procedures, after the emergence of mobile payment, people only need a mobile phone to travel, now people have almost no cash in their hands Mobile phone sweep to solve all problems, mobile payment is closely related to people's daily lives.
Bank branches were demolished in large numbers
Because of the emergence of mobile payment, the major banks to handle business customers are less and less, in recent years there are thousands of bank outlets have been demolished, not the bank collapse, but there is no customer a large number of bank outlets to open no meaning, is a waste of manpower and material resources, in the removal of old outlets at the same time, new smart outlets appear in the city, there is no manual service window everything relies on intelligent machines for business processing, in the current mobile payment environment, banks are also making corresponding changes.
There is a competitive relationship between Alipay and various banks
There are competitive relations in all walks of life, there are many types of banks in the mainland, just take the four major banks there is also a fierce competitive relationship between them, there are thousands of large, medium, and small banks in the mainland, in order to ensure their survival in the torrent of the times, the banks have endless means, in order to attract customers financial management projects have been launched one after another. Originally, the competition between banks was fierce enough, and now financial platforms such as Alipay have made the originally small profit cake smaller and smaller. There are Alipay and banks grabbing business, and banks are under great pressure.
Many young people are using Alipay, Alipay provides a variety of wealth management products and small lending platforms, such as Huabei borrowing, these platforms are deeply loved by contemporary young people, some time ago Ant Group to go public after the news came out, people are looking forward to but then due to some special reasons Ant Group announced the suspension of listing. Whether or not Ant Group is listed, its value has now exceeded one trillion yuan, and the total value of most banks on the mainland is not as good as That of Ant Group.
Two direct selling banks were established, and the financial industry entered an era of change
China Merchants Topological Bank was established in December 2020, and its main holding companies are China Merchants Bank and JD.com, of which China Merchants Bank holds 70% of the shares, JD.com holds 30% of the shares, and the second independent legal person direct sales bank in The country was established.
According to the "Beijing Business Daily" news, the Postal Bank of China issued an announcement at the end of last year that it had obtained the approval to establish a subsidiary of the direct sales bank, and before the post, only Baixin Bank and China Merchants Topology Bank had the qualification to prepare for the establishment, and the approval of the Postal Bank was of great significance for future development. The Postal Bank of China subsequently announced the name of its direct bank subsidiary, fully known as China Post Huiwanjia Bank Co., Ltd., which is 100% owned by the Postal Bank of China, and its registered capital is provisionally proposed to be 5 billion yuan.
In response to this subsidiary, the Postal Bank said that it was built for the revitalization of rural areas, and it was the responsibility and mission of the subsidiary to serve the three rural areas and help small and medium-sized enterprises. Postal Bank is well prepared to deal with the challenges posed by financial platforms such as Ant Financial. Nowadays, there is a scene of a hundred schools of contention in the mainland financial industry, and even Ant Financial should pay attention to this change in the financial industry. For any industry, there is pressure where there is competition, there is a breakthrough where there is pressure, and in today's high-pressure state of the financial field, all enterprises make progress and development together.