Cao Tong suddenly quit, was first established by micro-banks "big gathering, executive lineup left Ali a few streets" of the ring covered with a layer of dust. Battle of the Internet three BAT who is in the
"He has had several months to work. "Close to Cao Tong, said people in the enterprise.
The afternoon of September 10, 2015, was founded less than a year of micro banks officially confirmed that President Cao Tong confirmed departure for personal reasons, was on the process.
Things of the outside world seemed very suddenly in the early signs. Media reports as early as a month ago, in micro-Bank issued an internal document, signed by the President of the local, the signature becomes a micro-bank supervisors at the time Li Nanqing. Rumored to replace the Cao Tong Li Nanqing served as President of supervisors position the former Vice-President in charge of credit card business of Liang Yaolan take over micro-banks--the appointment of these two functions has not yet formally responded, represent the processes are still running. Cao Tong, a State-owned bank for more than 20 years in charge of finance businesses are Bureau-level cadres, "absenteeism" for several months, his initiation has been back for a long time.
Cao Tong suddenly quit, was first established by micro-banks "big gathering, executive lineup left Ali a few streets" of the ring covered with a layer of dust.
Cao Tong left: traditional man "curtain call" Internet?
In fact, Cao Tong belongs to the micro-bank executives "in place," one of late. Incumbent Chairman GU Min left China in April 2014, and micro-Chairman of the Board. In July approved micro-banks since the establishment of the CBRC, Tencent President, has been very critical of this position until September before deciding.
Cao Tong's record is actually pretty nice, and its retail operations experience, and appetite for micro-banks: 22 into the Central Bank's Beijing Branch, 26, joined the China Merchants Bank, rising to become Vice President of China Merchants Bank Shenzhen management, is good retail bank's most well-known founder of sunflower VIP system. Subsequently, served as Assistant President and Vice President of China CITIC Bank, the leading retail banking in September 2013, Cao Tong served as Deputy Governor of the import and export Bank of China. Once, Cao Tong joined the micro-banks, most notably where it is: he gave up Bureau-level cadres in identity.
Cao Tong on Internet financial also has long been in 2013, at a public event of the year in July, when he was Vice President of China CITIC Bank and is in charge of the Internet business, which Cao Tong to "not paying attention to Internet banking will be eliminated" as the theme. Such a resume perfect experience is appetite for micro-banks, agree that Internet financial for "sea" someone give up identity, eventually leaving the micro-banks.
Actually, compared Ali network business bank, micro-all Bank of executives team lineup does more gorgeous: except Cao Tong zhiwai,: Chairman GU Min had any China peace group implementation Director and Deputy General Manager; is in charge of personal consumption credit of Deputy President Huang Liming had any peace group Lu Jin by Deputy General Manager, is in charge of credit card business of Deputy President Liang Yao blue, has banking "Mulan" of said, had any investment, and peace bank credit card Center General Manager. In the 11 executives (Chairman of the Board, Presidents, 7 Deputy Governor, Secretary of the Board, Director of consumer credit), had worked in the Department of peace reached 7, Cao Tong is not –
Rumor is that executives have no disagreement, but Cao Tong GU Min difference in the style and peace. Ali Ali, Chairman of net Bank is to join Ali Jing Xiandong partner of 8 years, Yu Shengfa served as Secretary of the Hangzhou Bank, Governor, Zhao Weixing, Deputy Governor served as General Manager of retail banking Department in Hangzhou. Someone quipped that the network operators banking Ali, is an old man, with a bunch of local banks out of people and micro-banks, it is a group of peaceful people, there are a few people and peace has nothing to do.
Although not born in peace, Cao Tong in the micro-banks were not "overhead" but carry weight. It is reported that the model of micro-banks from March 2014 to apply for "minor credits" mode (lower limit deposit limit, maximum loan limit) and finally into and Ali's network of commercial banks for the same "small minor credits" mode (restricted lending ceiling), Cao Tong was staunch supporter of the latter. "Little minor credits" pattern matching in deposits and loans, mainly doing retail business, while "minor credits" are absorbing large deposits and small loans. No physical outlets, users more for ordinary Internet users and small business Internet banking, the "minor credits" rather than "small minor credits" model, first absorb the high cost of large deposits, and there is a maturity mismatch risk, because relatively large deposit amount, less the number, in case some, the risk is relatively high. "Small minor loan" business model, slightly larger spreads, the more small loans, risks are relatively high priced higher.
Interesting of is, Cao Tong go Hou micro-all of follow-up of personnel changes: former prison thing long will replaced Cao Tong served as President, and prison thing long a vocational by original Deputy President Liang Yaolan took over as--close micro-all Bank of people told in the enterprises brother, Liang Yao blue original is in charge of of credit card business, overall into has Deputy President Huang Liming is in charge of of personal consumption credit business Department, Liang Yao blue on to do has prison thing long.
According to media reports, Cao Tong after leaving office, intends to finance the Internet business Internet platform for asset securitization. Perhaps, his micro-banks in 10 months of work experience has helped him better understand the Internet finance.
The Internet Bank, the road was rough
Leave business or Internet banking, Cao Tong's departure does not mean that traditional financial people don't like Internet banking. Shedding information on this side, it is the Internet banking days were not so good, the road was rough, not good place for traditional finance people dreams.
Cao Tong confirmed departure the day before, on September 9, the China Merchants Bank has just restored a kernel interface for micro-banks, which was closed by China Merchants Bank in September 7, China Merchants Bank users cannot perform buying behavior on micro-banking product. In this regard, the Bank's official response is: given this withholding interfaces of the misuse of client funds, information security pose a great threat, serious violations of financial regulations will gradually cleaning and renovation. "Micro-banks mentioned. The view was expressed that, China Merchants Bank closed nuclear interface is "panicked" because holding a China Merchants Bank card users who open an account in micro-transfer money out of micro-finance product, resulting in the loss of assets, China Merchants Bank under pressure. Micro force banks in the retail business, while China Merchants Bank's strong points is the retail business, the amount of deposits in high. And Internet forces tore open, China Merchants Bank are "previous conviction". In the major banks, China Merchants Bank is the first Po transfers in a single day and a single cut balance limits.
China Merchants Bank certainly does not suggest that traditional banks and Internet banks "decisive battle", which is nothing to do the former, most exposed the weaknesses of the Internet does not have its own bank account, fate has always been in the hands of others.
Has given the market a large picture of the remote account functions can not be achieved, micro-banks as the "Internet banking", but failed to give the user account, and to rely on other bank cards to the user authentication, users are only weak electronic account on the line. Moreover, weak electronic micro account can't deposit, just support the transfer of accounts and buying financial products. If the user wants to buy financial products, the funds will be directly from the binding to the Bank direct debit form withholding China Merchants Bank--these are the point of ridicule. Deductions of the micro-banks mainly depend on third party payment companies owned by Tencent tenpay.
Management, micro-only by cards of other banks to import user traffic, selling financial products to work with other financial institutions for a living: micro-bank financial products are launched in partnership with other financial institutions such as insurance. Actually, not all banks support import your bank card micro, should a bank to worry about "asset loss" from time to time with micro points, make micro-hard--after all, the Internet company can survive depends on user experience, every few days to function problems, users will also be able to calm quiet support you?
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