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直销银行是互联网时代应运而生的一种新型银行运作模式,这一经营模式下,银行没有营业网点,不发放实体银行卡,客户主要通过电脑、电子邮件、手机、电话等远程渠道获取银行产品和服务,因没有网点经营费用,直销银行可以为客户提供更有竞争力的存贷款价格及更低的手续费率。降低运营成本,回馈客户是直销银行的核心价值。直销银行便是欧美银行业新生力量借助信息化异军突起的佐证之一,而这种模式也开始被引入中国。
Direct banking is a new type of bank operation mode emerged in the Internet era. Under this business model, banks have no business outlets and do not issue physical bank cards. Customers obtain long-term bank products through computers, e-mails, mobile phones and telephones And services, because there is no outlets operating costs, direct banks can provide customers with more competitive deposit and loan prices and lower commission rates. Reduce operating costs, customer feedback is the core value of direct bank. Direct-selling banks are one of the corroborations of the emerging forces in the banking industry in Europe and the United States with the help of information technology. This model has also been introduced into China.