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GUANZHUJINRONGKEJICHUANGXINDELILIANG

一本财经微信公众号

JINRONGKEJILINGYUZUIJUYINGXIANGLIXINMEITI。ZHUANZHUJINRONGKEJILINGYUDIAOCHA、SHENDU、YUANCHUANG、DUJIABAODAO,YIJISHANGYEANLIJIEXI。WOMENBUSHENGCHANSUIPIANHUAXINWEN,ZHICHUPINSHENDUERZHUANYEDEBAODAO——GUANZHUJINRONGKEJICHUANGXINDELILIANG。

开放银行:回归银行服务的本源逻辑

2019-10-09
1044251
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“PINGTAIYINXING”BINGBUSHI“KAIFANGYINXING”KENENGDEZUIZHONGJIEGUO,ZHISHIKAIFANGYINXINGLINIANXIAYINXINGGAIBIANYEWUMOSHIDEYIZHONGFANGSHI。

银行,开放银行,API

TUPIANLAIZI“123RF”

ZAIJINRONGKEJIQIYEQUANMIANCHONGJIYINXINGYEWUDEDAHUANJINGXIA,KAIFANGYINXINGCHENGWEIQUANQIUGEDAYINXINGZHUANXINGDEXINLUJING。ZAIHAIWAI,KAIFANGYINXINGCONG2014NIANKAISHIJIUZHUJIANZHUANRE。ZAIZHONGGUO,CONG2018NIANXIABANNIANKAISHIKAIFANGYINXINGCAIYINQIXINGYEGUANZHU。ZONGGUANQUANQIU,DANGQIANOUMEIGUOJIAYUZHONGGUOZAIKAIFANGYINXINGDEQUDONGYINSUHEDUIKAIFANGYINXINGDEJIEDINGFANGMIANJUNCUNZAICHAYI。GUOWAIDEKAIFANGYINXINGSHIZISHANGERXIA,TONGGUODINGCENGSHEJITUIDONG,QIANGDIAODESHISHUJUDEGONGXIANG,GUONEIDEKAIFANGYINXINGSHISHICHANGZIFAXINGWEI,ZAISHICAOSHANGGENGDUODESHIYINXINGFUWUDESHUCHU,YILAIYUCHANGJINGDEHEZUO。

一、校准认知,厘清路径

2016NIAN8YUE,YINGGUOJINGZHENGHESHICHANGGUANLIJU(CMA)FABUBAOGAOZHENGSHIMINGQUELEKAIFANGYINXINGDEGAINIAN, “Open Banking is a brand new, secure way for consumers including small businesses to share information, allowing new and existing companies to offer super-fast payment methods and innovative banking products.” KAIFANGYINXINGYOUYINGWEN“Open Banking”FANYIERLAI,KEYIRANGBAOKUOXIAOQIYEZAINEIDEXIAOFEIZHETONGGUOKAIFANGGONGXIANGXINXI,YUNXUXIANYOUGONGSIHEJINRONGKEJIGONGSITIGONGCHAOGAOSUZHIFUFANGSHIHECHUANGXINYINXINGCHANPIN。QIMUBIAOSHIJIAQIANGSHICHANGJINGZHENG,CUJINJINRONGCHANPINHEFUWUCHUANGXIN,TISHENGXIAOFEIZHEHUOQUDEJINRONGFUWUDEZHILIANG。

YINGGUOTICHUDEKAIFANGYINXINGYUYINGGUOJIANGUANDANGJUDETUIDONGHEOUMENG《XINZHIFUFUWUTIAOLI》(PSD2:QIANGZHISUOYOUOUZHOUGUOJIAXIANGOUZHOUYANGXINGPIZHUNDESUOYOUDISANFANGMIANFEITIGONGZHANGHU、JIAOYIHEZHIFUSANGEAPI YINGYONGCHENGXUJIEKOU)DEQUANMIANSHISHIYOUZHIJIEDEGUANXI,ZHUYAOSHIGUANYUYINXINGYEBUTONGFANGMIANDESHUJUGONGXIANG。YINCI,DANGYINXINGZIYUANHUOYINFALVYUANYINBEIPOGONGXIANGSHUJUSHI,JIUCHENGWEILE“KAIFANGYINXING”SHEQUDEYIBUFEN。MUQIANWEIZHI,YINGGUO9JIAZUIDADEGERENHEZHONGXIAOQIYEHUOQIZHANGHUTIGONGFANG(CMA9)YIJINGYU2017NIAN3YUEQIANKAIFANGYINXINGCHANPIN、FENXINGJIATMDENGBIAOZHUNHUASHUJU。

MUQIAN,YINGGUOZHENGZAIJIJITUIJINCMA9YINXINGYIDONGAPPYUQITADISANFANGYIDONGAPPZHIJIANSHIXIANGONGKAIQIEHEGUIDESHUJUGONGXIANG。GENJUYINGGUOKAIFANGYINXINGWANGZHANDESHUJUXIANSHI,MUQIANYIYOU100JIATONGGUOFCARENZHENGXUKEDEJINRONGFUWUTIGONGSHANGCANYULEKAIFANGYINXINGJIHUA,BINGTIGONGLEXINDEJINRONGFUWU。

ZAIZHONGGUO,KAIFANGYINXINGDESHIJIANZHUYAOSHIYINXINGFUWUDESHUCHU,TONGGUOXIANSHANGJISHUDEFANGSHI,BAJINRONGCHANPINHEFUWU,QIANRUHEZUOFANGZIJIDEYINGYONGCHENGXUHECHANGJING。ZAISHUCHUFANGSHISHANG,JUNYIAPIWEIZHU,DANYEZHICHISDK、H5DENGDUOZHONGFANGSHI。ZAISHUCHUNEIRONGSHANG,ZHUYAOSHIYINXINGZAIDICENGZHANGHUGUANLIJICHUSHANG,FUJIATOU、DAI、FUDENGHEXINGONGNENGHEJICHUFUWUWEIBIAOZHUNPEIZHI。

CIWAI,GEJIAYINXINGYEYOUTESEHUADENEIRONGSHUCHU。YIJIANSHEYINXINGWEILI,JIANSHEYINXINGKAIFADEKAIFANGYINXINGGUANLIPINGTAIYU2018NIAN8YUEZHENGSHISHANGXIAN,SHIJIANGJIANXINGYIYOUDEFUWU,RUZHANGHUKAILI、ZHIFUJIESUAN、TOUZILICAIDENG,YIYIZHONGBIAOZHUNTONGYIDEJIEKOU(API)FENGZHUANGDAORUANJIANKAIFAGONGJUBAO(SDK)ZHONG,ZAIQIANRUDAODISANFANGFUWUZHONG。ZHEIYANG,KEYILIYONGDUJIAOSHOUQIYEPINGTAIYINLIU,ZENGJIAHUOKEQUDAO。

DUIYINXINGERYAN,ZHEIZHONGKAIFANGYINXINGDEMOSHIBINGMEIYOUSHEJIDAOSHUJUDELIANDONG。ZHISHITONGGUOJINRONGKEJISHOUDUAN,DUICHUANTONGYINXINGYEWUJINXINGJIEOU、ZHONGGOU,QIANRUDAOCHANGJINGZHONGQU,SHIXIANXIANSHANGHUOKE、LIUCUNJIESUANLEICUNKUANDENGMUDE。ZHEIZHONGZUOFAYUJINRONGKEJIJUTOUMENYIKEJIWEINIUDAILIANJIEWAIBUCHANGJING,SHENGTAIHUA、PINGTAIHUASILUHENJIEJIN,SHISHANGYEMOSHIHUOJINGYINGYINXINGYEWUFANGSHIDEZHUANHUAN。

TONGGUOGUONEIWAIBUTONGDESHIJIANKEYIFAXIAN,MUQIANOUMEIKAIFANGYINXINGGENGDUOSHIQIANGZHIXINGDE,SHUJUKAIFANGSHIGUANJIAN;GUONEIKAIFANGYINXINGGENGDUOSHIZHANLVEDINGWEI,JINGYINGMOSHIDEDIAOZHENGHEXUANZESHIHEXIN。DANKEYIKANCHU,DAJIADEGONGXINGZAIYU,KAIFANGYINXINGDEMUBIAOZHUYAOSHITONGGUOSHUJUGONGXIANGHUOZHEJINRONGFUWUDESHIFANG,DADAOJINRONGSHANGYESHENGTAIDERONGHE。DANWULUNNAZHONGFANGSHI,SHUJUDOUSHIGUANJIAN。

SHUJUSHUYUKEHU,ERBUSHIYINXING——ZHEISHIYINGGUOKAIFANGYINXINGHEPSD2DEYIGEFEICHANGQIANGDADEJIAZHIZHUZHANG。JINGUANTINGQILAIHENJIANDAN,DANTAZUYIGAIBIANYINXINGHEKEHUZHIJIANDE“QUANLIPINGHENG”。SHUZIJINGJISHIDAI,SHUJUDEJIAZHIBUYANERYU,TASHILEJIENIDEKEHU(KYC)、JINGZHUNYINGXIAO、FENGXIANPINGGU、CHUANGXINDEGUANJIAN,SHIYIZHONGGUANJIANDESHENGCHANYAOSU。KAIFANGYINXINGSHIKEHUGENGJIAZIYOU,KEHUKEYIBASHUJUDAIDAORENHETAMENRENWEIYOUGENGHAOFUWUDEDIFANG。YINCI,WEIRAOZIYOULIUDONGKEHUDEJINGZHENGJIANGGENGJIAJILIE。

KEYIKANDAO,YUSHUJUXIANGGUANDECHUANGXINZHISHIKAIFANGYINXINGCHUANGXINDEKAISHI。

二、银行业的最大趋势:平台化

HAOWUYIWEN,KAIFANGYINXINGDUIYINXINGYESHENGTAIHUANJINGDEYINGXIANGJIANGSHIDIANFUXINGDE。ZAIYINGGUO,JINGUANZHIYOUJIUDAYINXINGJUTOUBEIPOSHISHIKAIFANGDEYINXINGBIAOZHUN,DANDANGJIANGUANJIGOUSHIFANGLEKAIFANGYINXINGDEJUDAQIANLIBINGJIANGKAIFANGYINXINGSHIWEIZHONGYAOZHANLVEZHIHOU,GENGDUODEJIGOUYEYISHIDAOXUYAODUIJIANGUANZUOCHUHUIYING。

KAIFANGYINXINGJIANGWEIYINXING、JINRONGKEJIGONGSIDAILAIXINDEFAZHANJIYU。YINXINGYISHIDAOZIJIYONGYOUQIANGDADEPINPAI,BINGBEIXINRENNENGGOUGUANLIKEHUDEZIJIN、SHENFENHESHUJU,TONGGUOJIANGYICHIYOUDESHUJUYUCONGQITAJIGOUHELAIYUANSHOUJIDESHUJUJIEHEQILAIJINXINGSHENDUFENXIHEGEXINGHUAFENXI,KAIFANGYINXINGKEYICHENGWEIFENGFUYINXINGGONGNENGHETIYANDEYIZHONGFANGSHI。TONGGUOZHEIZHONGFANGSHI,YINXINGXIWANGWEIXIANYOUKEHUTIGONGGENGDUOXIANGGUANDECHANPINHEFUWU,BINGTONGGUOXIYINXINKEHULAIZENGJIASHICHANGFENE。RENSHIDAOZIJIQUEFAJINGZHENGDUISHOUDELINGHUOXING、SUDUHUOCHUANGXINNENGLIDEYINXING,KEYITONGGUOYUJINRONGKEJIGONGSIDEHEZUO,BUCHONGZIJIDEFUWU。JINRONGKEJIGONGSIKEYIWEIYINXINGDEKEHUZENGJIAJIAZHI,CHENGWEISHOUKONGZHIHEKEXINDESHENGTAIXITONGDEYIBUFEN。YINCI,PINGTAIYEWUMOXINGSHIDADUOYINXINGYINGDUIKAIFANGLANGCHAODEZHANLVEXUANZE。

PINGTAIYEWUMOXINGDAJIABINGBUMOSHENG,TADEXINGQILIBUKAIDAXINGKEJIGONGSI,RUYAMAXUN、GUGE、ALIBABADENG,ZHEIXIEPINGTAITONGGUOZHONGZHIJINRUBILEI、GAIBIANJIAZHICHUANGZAOHEJIAZHIHUOQUDELUOJI,JINXINGJIANGUANTAOLI、ZHONGXINBAOZHUANGHUOZHONGXINDINGWEIJINGJITIXIZHONGDEQUANLI,GAIBIANHEZHONGZULEYUELAIYUEDUODEJINGJILINGYU。PINGTAIYEWUMOXINGYUCHUANTONGJINGYINGMOSHIZUIDADEBUTONGZAIYU,ZAICANYUZHEZHIJIANJINXINGJIAZHIJIAOHUANHECHUANGXIN。

“PINGTAIYINXING”BINGBUSHI“KAIFANGYINXING”KENENGDEZUIZHONGJIEGUO,ZHISHIKAIFANGYINXINGLINIANXIAYINXINGGAIBIANYEWUMOSHIDEYIZHONGFANGSHI。DANGRANYINXINGBUNENGTONGGUOJIANDANDIXIANGWAIBUKAIFANGJIGEAPILAIQIEHUANDAOPINGTAIYEWUMOXING,GENGSHIZHIDESHIQIBEIHOUSUODAIBIAODEJIAZHIZHUZHANG:KEHUCAIWUSHUJUDESUOYOUZHE,YINXINGCHANPINDETOUMINGDEHEYIYUBIJIAO,DUOFANGHEZUO、JIAZHILIANZHONGSUHECHANPINCHUANGXIN。

SHENSHIWOGUOKAIFANGYINXINGDESHIJIAN,SUIRANYOUYINXINGPINGTAIHUAJINGYINGDELUOJI,DANZHISHISHIXIANLEYINXINGYUCHANGJINGDEHEZUO,MUDESHISHIXIANXIANSHANGHUOKEHELIUCUNJIESUANCUNKUANDENG,KEYIZANSHIHUANJIELINGSHOUYINXINGDUILINGSHOULINGYUSHIKONGDEJIAOLV。

三、未来的银行路在何方?

KAIFANGYINXINGZHEIYIXINDEJIAZHIZHUZHANGWEIYINXINGYEDEBIANGEDAKAILEYIGECHUANGKOU,SHUJUDEKAIFANGYOUWANGZHONGXINJIANLIYINXINGYEFAZHANGEJUHEZHIXU。JISHUZAIBUDUANJINBU,SHUZIHUAJINCHENGYEMEIYOUFANGMANBUFA。RUGUOHULIANWANGBUZAISHIPINGTAIHUADEWEIYICHANGJING,RUGUOKEHUBUZAIYILAICHANGJING,YINXINGRUHEZHUAZHUBIANHUAZHONGDEMAIBO,ZAIJILIEDEJINGZHENGHESHIDAIDEGENGDIEZHONGXINGCUNXIALAI?

YIGEXINGYEZHISUOYOUHUICHANSHENG,SHIYINWEITANENGJIEJUESHEHUIXINSHENGDEXUQIU,TADEXIAOWANGYEBIRANSHIYOUYUXUQIUDEXIAOSHI。YINXING4.0DEGUANJIANZHUANBIAN,BUSHIYINXINGDEMOUXIEYAOSUFASHENGLEZHUANBIAN,ERSHIKEHUBANLIYINXINGYEWUDEFANGSHIFASHENGLEGAIBIAN。XIANRAN,KEHUDUIYINXINGFUWUDEXUQIURENGRANCUNZAI,MIANDUIYANJUNDESHICHANGHUANJING,YINXINGXUYAOHUIGUIQIBENYUANLUOJI——MANZUKEHUDEZHENSHIJINRONGFUWUXUQIU,CONGKEHUXUQIUCHUFA,YIKAIFANGGONGYINGDEXINTAI,ZHONGXINSHENSHITIGONGFUWUDEFANGSHI。


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