E-week finance Q1 mobile banking has 650million active users; Layout of financial subsidiaries in emerging fields

Analysis of Yi Guan ：《 Digital economy panorama white paper 》 It condenses the accumulation of experience and data of Analysys analysis for various industries of digital economy , Combined with the actual business and future challenges of enterprises in the digital age , And the innovation and breakthrough of digital technology , Finally, start with the general trend of digital economy development and cases in various fields , Help enterprises clarify the industry positioning and business development direction under the digital wave .
《 Digital economy panorama white paper 》 Continue to pay attention to the field of digital Finance , Special opening 《 Yi Zhou financial analysis 》 The column .《 Yi Zhou financial analysis 》 Compile the hot events in the financial field this week , And invite Analysys financial industry analysts to exclusively interpret and analyze the event .

Quick view of financial analysis of Yizhou

• 2022 In the first 1 The number of mobile banking active users reached... In the quarter 6.5 Billion
• A number of financial institutions have increased their capital and blood supply
• Financial management subsidiaries rush to the beach to lay out emerging fields
• Bank 618 Fali credit card 、 Financial marketing

01

2022 In the first 1 quarter , The number of active users in the mobile banking service application industry is 6.51 Million households , rose 0.58%. From the number of starts per capita , ICBC APP、 China Construction Bank APP、 China Merchants Bank APP The number of starts per active user is relatively high , Better user stickiness .

Analysis of Yi Guan ： On the one hand, banks continue the idea of opening up banks , Improve users' business ability based on open platform ; On the other hand, focus on enhancing the user experience , promote MAU towards AUM conversion , Enhance user value . Mobile Banking APP As the main position of retail banking service and operation , It is the most important platform for banks , The scale of active users keeps growing steadily . meanwhile , Mobile Banking APP More closely linked with the bank's strategy and business .

Mobile Banking APP Strive for online traffic to achieve user growth , It also needs to continuously improve user loyalty and user stickiness . At present , Mobile Banking APP Business strategy focuses on financial transformation and AUM promote , Improve user value , User stickiness is a key point to enhance user value , The high activity and high stickiness of users are the basis for the transformation and Realization of bank financial services . therefore , Mobile banks APP We will pay more attention to the principle of giving priority to user experience to optimize and improve business management , Including the transformation of the whole journey service process 、 Strengthen user experience assessment 、 Strengthen experience management, etc .

2022 In the first 1 quarter , The functional innovation of mobile banking mainly focuses on the deep cultivation of wealth management services ; At the same time, explore personal carbon accounts , To strengthen ESG Personal financial product innovation .ESG And the economy 、 The sustainable development of finance is closely related , commercial bank ESG Performance has gradually become an important factor in evaluating the sustainable competitiveness of banks . Specific to the ESG Related personal financial services , At present, some explorations have been made , It is expected that banks will increase in the future ESG Product innovation , Mobile banking is still the main service channel . At the environmental level, banks can support individuals to use energy conservation 、 Environmental products ; In terms of social responsibility, banks should abide by anti money laundering rules , Control the scale of luxury consumer loans ; At the governance level, banks need to support the general balance of personal finance , Guard against excessive lending .

—— Wang Ximei, senior analyst of Analysys financial industry

02

In the middle of the year, jinmeixin consumer finance 、 Suyin Kaiji consumer finance and other consumer finance institutions increased capital and blood .

Analysis of Yi Guan ： Jinmeixin's capital increase in consumer finance , In fact, in recent years, consumer financial institutions have continuously strengthened their own strength 、 A microcosm of steady expansion , It shows that the company actively practices compliance , It also reflects the overall situation of the consumer finance industry , On the one hand, it can improve the ability to resist risks , It also plays an additive role in strengthening its brand , On the other hand, it can further improve the scale and space of the exhibition industry .

Some consumer finance companies have a tendency to become better and bigger , Need timely “ blood ”, Expand diversified financing channels . Since the second half of last year , A licensed consumer finance company is approved to carry out ABS、 Financial bonds and other issuance businesses have achieved good results frequently , The main purpose is to take multiple measures to optimize its own financing structure , Consolidate institutional capital strength .

—— Su Xiaorui, senior analyst of Analysys financial industry

03

The financial subsidiary participates in the chip 、 New energy 、 Specialization and innovation 、 In the release of theme products in emerging fields such as low carbon , The product category is mainly fixed income .

Analysis of Yi Guan ： From the perspective of financial management subsidiaries , From the beginning of independent operation , Just looking for a differentiated development route with the bank's financial management department , Many financial management subsidiaries actively try to make layout in emerging fields , And set up attractive financial products , So as to improve the scale of fund management , New energy 、 Specialization, special innovation, etc. are the relatively popular directions at present . secondly , The operation mode of the wealth management subsidiary is similar to that of the public fund , Issuing public offering products with various themes is also an important way to expand the product line . From the perspective of the investment object , New energy and other racetrack companies have broad prospects in the future , The potential return on investment is high , It is a relatively good choice for bank financial funds .

Most of the investors of the wealth management subsidiaries undertake from the parent bank , Investors' overall risk appetite is low , The fluctuation of subject equity assets is not acceptable to such investors . But the bonds invested by the financial management subsidiary can also be new energy 、 Bonds issued by specialized Texin company , Fixed income assets do not conflict with the theme of new energy investment .

Layout theme products in emerging fields , Financial subsidiaries still face challenges . In the past, the team of the bank's financial management department , It doesn't need many investment research specialists , One 20 People's financial department may only 3-4 Investment researchers , Insufficient coverage of research on different assets ; Another point is that there is little demand for investment and research , Most assets are mediated by the parent bank 、 Financial management department docking 、 Direct investment of financial funds , It is not necessary to specialize in investment and research . With the independent operation of the financial management subsidiary , We need a strong investment research team to cover different categories 、 Assets of different industries , Improve the professional level of business , So as to obtain higher profit space , Enhance the competitiveness of products and companies .

Financial management subsidiaries need to have a perfect research system , From the macro environment analysis , To meso industry analysis 、 Selection of micro investment targets , And then to the final investment timing, we need corresponding personnel to increase research efforts . In different macroeconomic cycles , Look for qualified industries 、 Find a valuable business , Choose the most appropriate investment decision 、 Formulate the appropriate investment proportion , Make investment transactions at the right time . Through the role of the whole system , To improve product investment income , Attract more investors .

—— Analysys financial analyst Xia Yu

04

618 E-commerce promotion period , Banks usually cooperate with major e-commerce platforms , Launch credit card payment promotions . In addition to continuing to make efforts in the field of credit cards this year , It also launched a financial marketing war .

Analysis of Yi Guan ： Banks launch financial activities , It aims to expand the channel sales resources of diversified financial products , Characterized by 、 Differentiated activity design enhances core competitiveness .618 E-commerce promotion period , Residents' consumption demand is strong , Reach all kinds of banks App The behavior is more frequent , It is one of the main positions for major banks to compete for business . In the bank as a whole “ Big wealth management ” Business context , The competition in bank financing sales is becoming increasingly fierce , Shopping festivals are characterized by dense traffic , Actively grasp the flow inlet , We can further grasp the product exposure rate .

—— Su Xiaorui, senior analyst of Analysys financial industry

* The above news sources ： Die Zeit 、 Beijing business daily, etc

Notice of declaration ： The third-party data and other information cited by Analysys in this article are from public sources , Analysys analysis assumes no responsibility for this . In any case , This article is for reference only , Not as any basis . The copyright of this article belongs to the publisher , Without authorization from Analysys , It is strictly prohibited to reprint 、 Reference or in any way use Analysys to analyze any content published . Any media authorized 、 When using the website or individual, the original text should be quoted and the source should be indicated , And the analysis point of view is based on the official content of Yiguan analysis , No form of deletion shall be made 、 Add 、 Splicing 、 deductive 、 Distortion, etc . Disputes over improper use , Yi Guan analysis does not assume any responsibility for this , And reserve the right to investigate the responsibility of the relevant subject .