[South Korea's Choice Financial newspaper reporter] 'chatgetda the loyal customers in case "God filers (Thin Filer)' temporary or experiencing a credit crunch."
March haengjang Shim, Sung - Hoon (pictured) K Bank ahead of the first Internet banking professional initiation emphasized the differentiated credit rating model also recruit customer credit information is lacking writing, in an interview three days (CSS).
Shim, Sung - Hoon haengjang is' existing commercial banks plus the estimated income, such as loans patterns on credit rating agencies (CB) database (DB) establishes a credit rating "and" Here installments, pay the main scanning of communication history and merchants DB, such as roaming depending on the screen to add a non-identified guidelines are building more sophisticated CSS 'he said.
◇ 'real mobile bank'
Kay bank is "100% non-face-to-face with no bank branches.
But it does point to their inferior In the offline contacts. Shim, Sung - Hoon is haengjang 'KT reseller (more than 3000), GS Convenience Stores (10,000 pieces), offline contacts in the main scanning and affiliates is more than banks' he said.
By Kay bank shareholders including the KT, Woori Bank, NH Investment & Securities, Hanwha has a total of 21 companies including financial institutions such as life insurance, GS Retail (distribution) it is supported.
Shim, Sung - Hoon haengjang the 'commercial banks but operate mobile banking has gotta focus on the still point, said said "will conserve the fixed cost needed to offline sales offices providing innovative products and services to the partnership-based nonfinancial Inc.'.
◇ '' interest rates cliff 'will transgressions'
Shim, Sung - Hoon haengjang's strategy is to attack the "2 that exist between interest rates and the banks of the banking sector 'CITIC users of repayment capacity is sufficient rainfall customers' interest cliffs, you can not use one banking loans to temporary personal reasons CITIC user" to be. Sim haengjang explained, "My customers the same credit rating by four existing CB information can even be classified as fine-grained analysis of big data K Bank only.
Not to focus only on CITIC users. Shim, Sung - Hoon haengjang is 'focus on securing stable customer base through the main banking and asset management services Robo-based advisors, fund, such as bancassurance business model will continue to dig, saying' readiness will go overseas promoting "he said.
◇ Eunsan separate mitigation 'industrial development perspective needs'
According to the current banking law Bank holds stakes in non-financial Business Operator (industrial capital) is limited to 10% (based on voting rights 4%). K Bank is not the largest shareholder in accordance with the separation Eunsan Although named after KT. This limited Eunsan separate alleviate the need for specialized Internet bank raised the situation, but also a formidable opposite opinion that 'gold dust solidified conglomerate concerns.
In the prior month 20 days Assembly Political Affairs Committee meeting Shim, Sung - Hoon haengjang has also represent "When Eunsan separate regulation relieve KT, such as planning the main scan are to increase 2000 billion ~ 3000 billion won three years to provide a variety of benefits to financial consumers' saying the industry.
Shim, Sung - Hoon haengjang is "not against the principle and spirit of Eunsan separate Sure the Internet specialized bank should look at industrial development perspective," said 'the fourth industrial revolution must be both sympathetic part and must be mitigated Eunsan separate regulation for stable management that has he said the situation required ".
△ K. Shim, Sung - Hoon bank is haengjang.
1964 Daegu birth / 1986 Seoul National University economics graduate / 1988, Korea Advanced Institute of Science and Technology (KAIST) Management Science MSc / 1988 KT incident / 2005 ~ 2007 KT Foreign Strategy Department Foreign Strategy Vice President / 2007 ~ 2008 KT Project Support Office Project Support Vice President / 2013-2014 KT synergistic implementation management (managing director) / 2016 KT Eng core general management plan (Executive) / K current bank invite bank haengjang
Financial Daily Economic News FNTIMES - unauthorized reproduction for commercial purposes in accordance with the Copyright Act, No copying, distribution,
Copyright ⓒ Korea's financial newspaper & FNTIMES.com
