虛銀livi bank推商業銀行服務
虛擬銀行livi bank(理慧銀行)宣佈正式推出livi Business商業銀行服務,以數據分析能力爲基礎向中小企提供快捷、簡單和個人化的金融服務,同時亦推出全新數碼化無抵押貸款服務livi商業分期貸款,貸款額最高爲800萬元,無需政府擔保,冀滿足中小企業務發展階段的融資需求。
livi 行政總裁孫大威透露,服務試業至今逾兩個月,目前有600多家中小企透過線上方式開設帳戶,當中54%已成爲理財服務活躍用戶,累計中小企貸款批覈總額達3,500萬元,預期商業銀行服務將是業務發展支柱,未來兩至三年與零售銀行業務均衡發展,該行維持未來兩至三年達到收支平衡的目標。
中小企策略與客羣管理主管林雅雯補充,批出貸款提取率目前逾七成,平均貸款額200萬至300萬元,另外爲中小企提供活期存款亦已吸納超過1,000萬元。
該行並會透過利用開放應用程式介面(Open API)、商業數據通(CDI)和機器學習技術,以及運用中銀香港(02388.HK)、KPay、順豐香港及Shopline等商業合作夥伴在手數據,增強處理另類數據的能力,提升直通處理比率,加快審批過程。
孫大威又指,livi Business尚處於起步階段,今年有計劃推出外匯兌換、美元存款、全球匯款,以及其他貸款產品。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.