"I will provide a single-digit interest rates that are born sinpyeongsa well accepted by the banks (CB) target the 4-7 grade customers." [Korea's Choice Financial News Reporter]
The 3rd Korea's first specialized Internet Banking initiated a K bank loans junggeumri emphasize targeting 30% of the total loans and announced a 400 billion won this year's loans, received 500 billion won planning.
The following is a bank CEO K. Sim Seonghun, not hyojo Business General Manager, gimgeunsik Q & A and Risk Management Division.
- If the current regulations Eunsan phase separation (the Bank holds shares in industrial capital regulation) to be sure that the expansion of the capital of a loan difficult.
Sim Seonghun haengjang ▲ = the current is difficult to meet the Bank for International Settlements (BIS) capital ratio is practically difficult to increase if the law is changed. If this amendment apon increase participation in the main scanning same rate, but the situation is not easy conditions vary for each main scan. This year the target is 400 billion won loan, received 500 billion won. The end of this year or early next year is to go to the capital increase.
- junggeumri loan is how you want to capture.
▲ = not hyojo Head Goddess is expecting a large proportion of the total from 30% to junggeumri loans. Of course, considering the viscosity can be too high, increase the risk.
Junggeumri product target is a 4-7 rating. In fact, commercial bank loans are difficult customers. K Bank to further refine than conventional credit scoring model created a self-assessment model. Even existing rating grades K-4 In the bank may be 1 ratings. Once a significant number of grade 4-7 Customer loans approved target lending rate is also planning to take a number of places.
- I know that Big Data credit rating model differentiation.
▲ = gimgeunsik Division should actively try to take advantage of the non-identified data with the big screen to the main scanning according to the non-government identification screen guidelines. KT (communication), a lot of main scanning big data resources GS Retail (distribution), BC Card. If the sinpyeongsa grades 4-5 grades which you even get a hint, in addition to financial stability, such as communication expenses, life is pretty stable.
▲ CEO Sim Seonghun = If personal information is strictly within the law will benefit the border.
- mortgage loans, foreign banking, corporate finance and other goods and services, and when comes out.
▲ is not hyojo Head = mortgage market is planned during the second half of the year. There are plans to link the electronic registration of business conducted by the Ministry of Land Transportation. Foreign exchange remittance business was almost finished from inside. The feasibility issues iteoseo try to observe the customer influx.
Without other banks' business in the obvious way, and to launch fully in line smartphones.
Fee business is reported to be the first customers to come in is possible. Deposit, targeted experiences to customers loans, bancassurance and fund selling being considered second-half of next year.
Lo loans corporate finance is to be configured infrastructure takes time. In the second half it seems to be able to showcase.
- Is what happened with the Internet bank cacao bank plans to compete.
▲ Sim Seonghun Bank = Bank and cocoa competition is not. Internet banking is to find a niche (niche) market part of the existing banks are not covered. Both will be looking to exploit the commercial banks and other parts.
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