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最新的光州银行新闻
2023年6月14日
韩地区银行贷款组合增长的加入与fintechs 2023.06.14 10:12:02 | 2023.06.14 10:14:37接收机(由追寻)韩国当地银行在城市地区正面临着严重的老化,迫切希望吸引年轻客户和fintech公司正在试图获得金融资源,加快其外部增长,导致两个行业之间的界限模糊,扩大合作的领域需要对齐。根据金融部门周二,5个地区银行正在进入一个fintech公司贷款的交换平台一个接一个。DBG大邱银行BNK Kyongnam银行和光州银行加入了扔支付有限公司,紧随其后的是本月BNK釜山银行和Jeonbuk银行。追寻已完成贷款比较服务与5名当地合作银行和Naver金融集团正准备注册当地银行,从Jeonbuk银行。这是五大商业银行相比,它们对fintechs隶属于Naver Corp .)等大型科技公司Kakao Corp .)和投掷。“许多商业银行或说不困难,但是当地银行有一个坚强的意志相互配合实现所需的结果,“一个fintech业内人士说。追寻,发起了一项上个月loan-to-own服务结束时,一位借款人了4500万韩元(35377美元)以16%的年利率从Acuon储蓄银行成功地转向了一种贷款产品从光州银行年利率8.13%。“当地银行产品具有良好的利率和贷款限制将一个接一个,“追寻一名官员说。“预计借款人的数量从第二个金融行业第一个金融部门将会增加。“本地银行之间的兼容性和fintechs明显放贷的性能。从今年年初到上个月,五大本地银行注册扔借给6694亿韩圆,上涨151%,从去年同期4436亿韩元。 In the first quarter this year, the total number of loan commitments made with the five largest regional banks on FINDA was 13,984, more than doubling from last year’s total of 6,205. The amount of local bank loan commitments in the first quarter was more than 2.3 times last year’s volume, and jumped 10 times compared with 2021. “Local banks are increasing the portfolio of financial products they offer to fintechs after experiencing the power of attracting customers in their 20s and 30s,” said a local bank official. BNK Busan Bank [Courtesy of BNK Busan Bank] Busan Bank plans to launch a house lease guaranteed loan comparison service with KakaoPay Corp. this month. It is also working with fintechs to strengthen its “currency wallet” service that allows users to change and store foreign exchange. Daegu Bank plans to supply mortgage products to Toss in addition to credit loans. Some analysts say that local banks are making breakthroughs by building a united front with fintech companies as they struggle with prudential management issues. Local banks, which are at a disadvantage in terms of sales power compared with commercial banks, have been increasing lending to middle-income earners for several years, but concerns about deteriorating balance sheets have increased in the wake of the recent economic downturn as the risk of non-performing loans to small- and medium-sized enterprises and loans related to real estate and construction have emerged. In fact, the delinquency rate of the five largest regional banks in the first quarter, Jeonbuk Bank had the highest at 1.19 percent, followed by DBG Daegu Bank at 0.54 percent, Kwangju Bank at 0.46 percent, and BNK Busan Bank and BNK Kyongnam Banks at 0.33 percent. Compared with 0.2-0.57 percent of the same period the previous year, the delinquency rate has doubled and is significantly different from the delinquency rate of the five largest commercial banks with 0.2-0.34 percent. Kwangju Bank’s first joint loan with Toss Bank is a good example of the cooperation between local banks and internet banks. In particular, Kwangju Bank highly appreciated Toss Bank‘s credit scoring model, which includes more than 42 percent of loans to low- and middle-income creditors. Jeonbuk Bank is conducting data cooperation utilizing Naver Financial’s non-financial data. The bank is expected to use non-financial data, including Naver Pay payment history, to develop loan products aimed at thin filers who lack financial transaction history. [ⓒ Pulse by Maeil Business News Korea & mk.co.kr, All rights reserved] WED
比较光州银行竞争对手
把银行提供银行和金融服务。它提供利息钱,大量的存款和提款账户和贷款处理。公司成立于2019年,总部设在首尔,韩国。
Calculum是Fintech数据即服务(DaaS)公司,利用先进的分析方法和基于人工智能(AI)的系统来帮助公司提高他们的金融供应链。平台提供了提高精度、数据管理、智能数据浓缩和分类、可视化、咨询和咨询公司。公司成立于2020年,总部位于迈阿密,佛罗里达。
Allica提供商业抵押贷款银行和电子银行服务。它主要服务中小企业或中小企业在英国的当地社区。公司成立于2011年,总部设在伦敦,英国
乐天购物控制一组商店。运作等零售商店百货商店、超市、出口商店、电子商务、连锁药店。它提供了灯和低能消耗空调和加热器提高能源效率和采用太阳能发电,它成立于1979年,总部设在首尔,韩国。
新韩银行美国是一个银行。它接受存款、贷款和提供其他服务公众。它成立于1990年,总部设在纽约,纽约。这是一个新韩银行子公司(韩国)。
肯德基韩国是一个快餐连锁店。它提供了鸡肉风味小吃、三明治、甜点、碗,,为全球客户和盒餐。公司成立于2004年,总部设在首尔,韩国。
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