The source of funds in traditional credit operations is

Beginning with the traditional business, but to fully carry out the network loan business will result in a full range of innovations in the bank's personnel structure, mechanism management, system operation, etc. From the current market situation, the development of the bank's network lending business is still in the conceptual stage, and in general, the traditional lending model has the following characteristics: complex links, long cycle, single process, differentiated services Weak, the approval method still exists at the level of manualization and paper, and the wind control management and technology system is not yet perfect. The network of business loans to carry out the strength of the better, including the bank's independent operation, and e-commerce platform cooperation in two ways.