This year, with “inclusive finance” concept, the main focus to the individuals or enterprises who needs of small and micro loans, Shenzhen Qianhai WeBank started to enter the public eye. Different from traditional banks, WeBank neither outlets nor business counter, even without the secured property, but loans through face recognition technology and large data credit rating. Since its inception, WeBank has always maintained a low profile attitude. November 5, deputy general manager Wang Lan came to SUSTC financial business forum, for the students to reveal the mystery of WeBank and to share his thoughts and insights of Internet banking.

According to manager Wang, in July 2014, Qianhai WeBank was formally approved to build, because its own small capital, according to two eight theoretical principles, it is difficult to attract high-end customers in the “two”, however, the main source of profit not come from the so-called VIP customers, but the industry practitioners also have a consensus, ordinary small customers do not give full play, so WeBank aim to becoming a financial services platform, use of Internet tools to lower cost and service more customers.
Webank aims to let financial close to the people , the feature is deposit small loan, to science and technology data as the starting point, rely on traditional commercial banks. The combination of the Internet, to provide efficient and differentiated financial services. Future will use the Internet platform to carry out business, relying on the platform, cooperation with other financial institutions to carry out business. The bank’s risk control by the national bank risk control system, based on the introduction of Tencent in the field of Internet technology, use of big data and other technologies to control business risk.

In view of the current rapid development of Internet banking, Wang also believes that this is the trend of social development, which is the coexistence of opportunities and challenges, but also to encourage students to learn the basic skills, come down to earth, so that the future will have more achievements.

Wang Lan, graduated from Zhongnan University of Economics in 1998, the international financial professional, 2006-2009 years, studying at Chinese University Hong Kong – Tsinghua University, financial and financial FMBA project. Current WeBank manager (in charge).

（submitted by： Xie Huayang）