E-week finance | postal Huiwanjia bank opened; Wechat public call to stop four types of financial marketing publicity

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

• The second independent legal person direct selling bank, Youhui Wanjia bank, opened
• Wechat public calls to stop four types of financial marketing publicity
• Bancassurance accelerates its layout APP

01

China Post HuiWanjia Bank Co., Ltd., a wholly-owned subsidiary of Postal Savings Bank of China, opened recently . This is after Baixin bank , China's second independent legal person direct selling bank that has officially started operation .

Analysis of Yi Guan ： Independent legal person direct selling banks with different backgrounds , Technology that shareholders can bring 、 channel 、 operating 、 Funds and other resources are different , On the one hand, differentiated positioning can give full play to its own resource advantages , On the other hand, it can also make direct selling banks create their own characteristic businesses , Contribute to the long term 、 sustainable development .

—— Su Xiaorui, senior analyst of Analysys financial industry

02

7 month 13 Japan , Released by wechat public platform operation center 《 On the regulation of financial illegal marketing content 》, Put forward on the marketing of financial business “ Four prohibitions ”. Including the prohibition of financial fraud marketing 、 It is forbidden to carry out false marketing propaganda of finance 、 It is forbidden to conduct misleading marketing publicity of financial category and unqualified marketing publicity of financial category .

Analysis of Yi Guan ： In recent years , As an important part of the protection of the rights and interests of financial consumers, the norms related to financial marketing have attracted much attention , Financial institutions 、 Loan aid agencies 、 Internet platforms and other participants have joined , This behavior of wechat official account is a platform based organization responding to the regulatory spirit 、 Specific performance of fulfilling the responsibility of platform supervision , This measure will help curb fraudulent marketing from the source 、 False propaganda and other harmful information that may cause infringement of consumers' rights and interests , Form effective constraints on the market, especially the operators of official account .

follow-up , It is suggested that other platform organizations follow up , Through the formulation of release specifications and the improvement of the review process , Earnestly fulfill the responsibility and obligation to protect the rights and interests of consumers , At the same time, it can also set up convenient 、 Efficient reporting mechanism , Quickly collect all kinds of illegal clues .

—— Su Xiaorui, senior analyst of Analysys financial industry

03

2022 Since the start of the year ,《 Financial science and technology development plan （2022-2025 year ）》《 Guidance on the digital transformation of banking and insurance industry 》 And other policies have been issued , It brings a series of benefits to the digital transformation of the industry . Easy to see Qianfan data shows that , Compared with other fields , to 2022 In the first quarter, it was still in the forefront of the number of active people in the whole network , However, the number of active people in various industries in the financial sector has slowed down . Affected by the epidemic and driven by policies , Banking and insurance institutions have increased online Reform , It is typical to increase the support for smart phones APP End layout .

Analysis of Yi Guan ： Regulatory policy 、 Digital economy 、 User digital behavior 、 Financial technology drives the development of mobile banking , The actual effect is remarkable . From the perspective of the client , The number of mobile banking active users has shown a steady upward trend , This state of high active user scale , On the one hand, it can drive the rapid growth of the core wealth management business in the retail sector ; On the other hand, it also establishes a higher voice for business scenarios and ecological construction . From the perspective of transaction scale , The average off counter business rate of the banking industry exceeds 90%, The transaction volume of online channels such as mobile banking has increased rapidly , The penetration rate of mobile banking transactions continues to rise .

—— Wang Ximei, senior analyst of Analysys financial industry

Analysis of Yi Guan ： Insurance compared to social 、 shopping 、 Travel and other high-frequency scenes are different , Its touch is low , If the insurance industry pursues sustainable user and revenue growth , It must be combined with the business thinking of Internet users , Use high-frequency scenes to reach users , Expand and deepen user traffic , And then to the low-frequency insurance scene , Realize flow realization . Besides , The digital transformation of the insurance industry is still in the key stage of the development of mobile Internet to full digitalization . Compared with banks , Insurance belongs to the slower queue , Therefore, the insurance industry is actively planning APP To open up the closed loop of Internet Ecology , And APP Realize the accumulation of traffic and data for the core , Prepare for full digitalization in the future .

—— Fang Ruixin, senior analyst of Analysys financial industry

* The above news sources ： Beijing business daily 、 Economic reference 、 China bank insurance news, etc

Financial Statistics

6 end of the month , Broad money growth 11.4%, Narrow money growth 5.8%;

RMB loans increased in the first half of the year 13.68 Trillion yuan , Decrease in foreign currency loans 201 Billion dollars ;

RMB deposits increased in the first half of the year 18.82 Trillion yuan , Decrease in foreign currency deposits 103 Billion dollars ;

6 The monthly weighted average interest rate of interbank lending in the RMB market in May is 1.56%, The weighted average monthly interest rate for the repurchase of pledged bonds is 1.57%;

The balance of the state's foreign exchange reserves 3.07 Trillions of dollars ;

In the first half of the year, cross-border trade RMB settlement business occurred 4.58 Trillion yuan , Direct investment in RMB settlement business occurs 3.01 Trillion yuan .

* Above data sources ： People's Bank of China

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