In China lässt sich die Zukunft des Banking besichtigen

Von Ralf Keuper

Es ist ein offenes Geheimnis, dass sich in China die Konturen eines Banking herausbilden, in dem klassische Banken nur noch am Rande vorkommen, was dazu führt, dass sie langsam aber sicher aus dem Blickfeld der Kunden verschwinden. Diese Entwicklung wurde auf diesem Blog in mehreren Beiträgen behandelt, u.a. in:

Angesichts der Tatsache, dass viele Chinesen kaum noch mit einer “echten” Bank bei der Abwicklung ihrer Finanzgeschäfte direkt in Berührung kommen, da sie die Dienste von Alipay (Alibaba), WeChat (Tencent) und anderer Internet-Payments-Anbieter in Anspruch nehmen, kommt das WSJ in The Future of Banking Is in China zu der Feststellung:

China’s giant technology companies are using their internet payment systems as a wedge into an array of money-management services, prying deposits and fee-generating business away from the country’s banks.

Besonders gut lässt sich der Stilwandel im Banking, wie er sich derzeit in China vollzieht, am Beispiel von Alipay ablesen. Das WSJ schreibt dazu:

Increasingly, Alipay is peddling financial products alongside services such as taxi booking and noodle deliveries. Press the tile marked Yu’E Bao to park spare cash in an interest-bearing account or Ant Fortune to buy higher-yielding investments. A credit function aims to make it easier to weigh risks. The group’s MyBank, its new online-only bank, said this year it had issued 870,000 loans at an average amount around $6,100.

Nicht umsonst wirbt Alipay neuerdings damit, eine globale “lifestyle super app” zu sein.

Wo Licht ist, ist bekanntlich auch Schatten; und zwar wortwörtlich in Form des sog. Shadow Banking, das in China mittlerweile beachtliche Ausmaße angenommen hat.

Dieser Beitrag wurde unter Fintech abgelegt und mit verschlagwortet. Setze ein Lesezeichen auf den Permalink.

14 Antworten zu In China lässt sich die Zukunft des Banking besichtigen

  1. Pingback: Fintech in China | Bankstil

  2. What’s up, just wanted to say, I loved this article. It was funny.

    Keep on posting!

  3. First of all I want to say wonderful blog! I had a quick question which I’d
    like to ask if you don’t mind. I was curious to find out how you center yourself and clear your head before writing.
    I have had a difficult time clearing my thoughts in getting my thoughts out.

    I do take pleasure in writing but it just seems like the first 10 to 15
    minutes are generally lost simply just trying to figure
    out how to begin. Any suggestions or hints? Kudos!

  4. Thank you for the good writeup. It in truth was a entertainment account it.
    Look complex to more brought agreeable from you! By the way, how could we communicate?

  5. Hi, Neat post. There’s a problem along with your website in internet explorer, might check
    this? IE still is the marketplace leader and
    a good component of people will pass over your excellent writing due to
    this problem. cheap flights 3aN8IMa

  6. Thank you for the good writeup. It if truth be told was once a enjoyment account it.
    Glance complex to more delivered agreeable from you!
    However, how can we be in contact? yynxznuh cheap flights

  7. These are in fact wonderful ideas in regarding blogging. You have touched some nice points here.
    Any way keep up wrinting. 3gqLYTc cheap flights

  8. Aw, this was an exceptionally good post. Spending some
    time and actual effort to generate a very good article… but what can I say… I
    hesitate a lot and never seem to get nearly anything done.
    3gqLYTc cheap flights

  9. I think this is among the most important information for me.
    And i am glad reading your article. But should remark
    on few general things, The website style is great, the articles is really nice : D.
    Good job, cheers

  10. You actually make it seem so easy with your presentation but I find this topic to be actually something that I think I
    would never understand. It seems too complex and extremely broad for me.
    I’m looking forward for your next post, I’ll try to get the hang of it!

  11. Avatar black mass sagt:

    Attractive section of content. I just stumbled upon your blog and in accession capital to assert that I get actually enjoyed account your blog posts.
    Any way I’ll be subscribing to your augment and even I achievement you access consistently fast.

  12. Wonderful website. A lot of useful information here. I am sending it to several
    buddies ans also sharing in delicious. And obviously, thanks for your sweat!

  13. You are so awesome! I do not think I have read something
    like that before. So great to discover somebody with a few unique
    thoughts on this issue. Really.. many thanks for starting this up.

    This site is one thing that’s needed on the internet, someone
    with some originality!

  14. What’s up all, here every person is sharing these familiarity,
    therefore it’s good to read this website, and I used to go
    to see this webpage every day.

Schreibe einen Kommentar

Deine E-Mail-Adresse wird nicht veröffentlicht.

Diese Website verwendet Akismet, um Spam zu reduzieren. Erfahre mehr darüber, wie deine Kommentardaten verarbeitet werden.