According to the analysis by Jin Wei Qilin of the national bill, lending is the biggest operating bottleneck of Lotte Bank.

(provided by the national ticket money)

[Reporter Li Lianghui/Taipei Report] Among the three domestic pure-play online banks, Lotte Bank, the first to open, is about to celebrate its 2nd anniversary. Although the accumulated deposit balance has finally exceeded 20 billion yuan, Wei Qilin, chairman of Lotte Bank’s major shareholder Guopiao Financial Holdings, analyzed today , Lotte Bank’s lagging progress in loan lending is the biggest bottleneck in its operations. In 2023, it will actively cooperate with electronic payment companies to provide loans for specific ethnic groups, and actively strive for more than 3 legal person accounts and legal person loans to increase Lotte Bank’s profits.

National Bill Financial Holdings held a legal person briefing today (30th). Wei Qilin, Chairman of Financial Holdings, led the general managers of each subsidiary to attend, explaining the operating conditions in the first November of 2022.

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Since China National Bill Financial Holdings does not have a commercial bank under its umbrella, it has established a joint venture with Japan's Rakuten Group to establish a pure online bank, Rakuten Commercial Bank, and it has been in operation for 22.5 months since the beginning of last year. Although the accumulated deposit balance has reached 20 billion yuan, the loan balance However, there are only more than 1.1 billion yuan, and the accumulated loss is 1 billion yuan. The original goal of equal profit and loss within 3 years is a great challenge.

Wei Qilin, chairman of China National Bill Bank, observed the operation analysis of domestic pure online banking in the past two years. Pure online banking has no stronghold and legal person credit business, resulting in slow removal of deposits.

Among the three pure online banks, Link Bank, which opened three months later than Lotte Bank, has already reduced and increased its capital once due to its operating strategy of actively expanding the market, with a maximum deposit balance of 30 billion yuan; Future Bank, which opened the latest, Due to active sprints, the balance of deposits has also reached 20 to 30 billion yuan, but the loss has also reached 1.5 to 2 billion yuan.

Wei Qilin said that the advantage that Lotte Bank set at the beginning was 5 million international tourists a year from Taiwan and Japan. The competent authority can conduct face-to-face identity verification for legal persons such as "management banks that open special deposit cooperation accounts for electronic branch institutions", "brokers that open securities delivery accounts", and "insurance companies that open special accounts for premium payment" , actively expand business projects, and turn losses into profits as soon as possible.

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