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花旗:內地網貸新規利好全國性銀行
格隆匯 02-22 13:34

花旗發表研究報吿指出,中國最新針對商業銀行互聯網貸款的政策將利好全國性銀行,地方性銀行則因不得通過互聯網貸款跨區域經營等約束而承壓,轉型為零售型銀行的難度更大。

報吿指出,新規可以防止銀行過度依賴第三方助貸機構進行信用評估,及過度聚焦於篩選金融科技合作伙伴,而全國性銀行來自金融科技巨頭的競爭將減少,同時招商銀行和平安銀行等零售銀行將明顯受益於信用卡或消費貸款的同業領先地位。

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