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银行数字化的集体行动:56家银行入局618,金融科技“新基建”加速

2020-06-17
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ZUOZHE | RENWANSHENG

JINRI,56JIAYINXINGYUJINGDONGJINRONGHEZUOCANYU618HUODONG,ZAILINGSHOUJINRONGYEWUCENGMIANKAIQISHUZIHUAYINGXIAOMOSHI,JIANGLINGSHOUJINRONGYEWUYUPINGTAIXIAOFEICHANGJINGXIANGRONGHE,WEIXINYONGKAKEHUTIGONGYOUHUIFUWU,SHIXIANYINXINGXINYONGKAYEWUDEJINGZHUNYINGXIAOHEKUAISUZENGZHANG。

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YIQINGKAIQIDEQUANMINSHENDUXIANSHANGHUADESHENGHUOMOSHI,KENENGHENNANGAIBIAN,SHENZHIGUHUAWEICHANGTAI。YINXINGXIANSHANGYEWUDEBILIJIANGLAIHUIXIANZHUTIGAO,YINXING“SHUZIHUASHENGJI”JIANGCHENGWEIBUKENIDEQUSHI。

1

疫情推动银行数字化升级“火线”提速

TURUQILAIDEYIQING,RANGGEXINGGEYEZAOSHOUQIANSUOWEIYOUDEDAJI。YINXINGYEYEBUKEBIMIANDIZAOSHOUYIQINGDECHONGJI,DUOSHUYINXINGZAIYIQINGQIJIANGUANBIXIANXIAWANGDIAN,JINGYINGYEJIDADAZHEKOU,TONGSHIHAIMIANLINKEHULIUSHIDEWEIJI。

WEIYINGDUIYIQINGDECHONGJI,HENDUOYINXINGZAIYIQINGQIJIANJIANGXIANXIAYEWUZHUANZHANXIANSHANG,JIAKUAISHUZIHUASHENGJI,TONGGUOSHOUJIYINXING、WEIXINYINXINGHEWANGSHANGYINXING,WEIKEHUTIGONG“WUJIECHU”JINRONGFUWU。

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SHUJUYINENGTIXIAN“WUJIECHUDAIKUAN”ZAITESHUSHIQIDEJIAZHI:BEIJINGDAXUESHUZIJINRONGYANJIUZHONGXINDEYANJIUXIANSHI,SHUZIXINDAIFAZHANSHUIPINGMEIZENGZHANG1%,YIQINGDUIJINGYINGDECHONGJIJIANSHAO2.57%。

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DUOJIAYINXINGZAI2020NIANFABUDECAIBAOZHONG,JIANGSHUZIHUASHENGJIZUOWEI2020NIANFAZHANZHANLVEZHIYI。

2

银行数字化升级的路径:自建+开放+合作

1. 大中小银行数字化升级路径各异

SHUZIHUASHENGJI,JILIYONGRENGONGZHINENG、DASHUJU、QUKUAILIAN、YUNJISUAN、HULIANWANG、WULIANWANG、5GDENGSHUZIJISHU,SHIXIANJIANGBENZENGXIAO、YEJIZENGZHANG,WEICHANPINCHUANGXIN、ZIYUANGAOXIAOLIYONGHEJIAZHIGONGXIANGTIGONGZHICHI,GOUJIAN“SHENGCHANFUWU+SHANGYEMOSHI+JINRONGFUWU”KUAJIERONGHEDESHUZIHUASHENGTAI。

SHIJIDANGZHONG,WEISHIXIANSHUZIHUASHENGJI,GEJIAYINXINGJIEHEZISHENSHIJI、ZIYUANBINGFUDENG,XUANZELEBUTONGDESHIXIANLUJING。

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CICI,56JIAYINXINGJIARUJINGDONGJINRONGAppJUBANDE618HUODONG,JIUSHIYICIYINXINGYUWAIBUQIYEHEZUOTUIDONGSHUZIHUASHENGJIDEDIANXINGCHANGSHI:JULEJIE,BENCIHEZUOZHONG,JINGDONGJINRONGYU30YUJIAYINXINGHEZUOWEIQIANWANJILIANMINGXINYONGKAYONGHUTIGONGSHUZIHUAYUNYINGFUWU。YIFANGMIANYONGHUTONGGUOJINGDONGJINRONGApp,GENJUBUTONGYINXINGJIYONGHUGUISHUDIXUANZEXINYONGKA,KEZAI1FENZHONGNEIWANCHENGXINYONGKADESHENQING,LINGYIFANGMIANCHIKAYONGHUKEXIANGSHOUGELEISHUAKAYOUHUI;JINGDONGJINRONGAppHAIYU20YUJIAYINXINGZAICUNLIANGYONGHUDEXINYONGKAZHIFUYEWUFANGMIANDACHENGHEZUO,YONGHUSHUAKAJIXIANGYOUHUI。

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JIEZHIMUQIAN,JINGDONGJINRONGYIFUWU40YUJIAYINXING,FACHU1300DUOWANZHANGLIANMINGXINYONGKA。

2. 与外部强化合作,成中小银行最优选择

DUIYUYINXINGERYAN,YOUQISHIZHONGXIAOYINXING,YUWAIBUQIYEQIANGHUAHEZUOLAISHIXIANSHUZIHUASHENGJI,BUJINKEYIBANGZHUMIBUQIZAIJISHUYANFASHANGDEBUZU,HAINENGJIEZHUHULIANWANGPINGTAIYOUSHI,BANGZHUYINXINGHUOKEYINLIU。

LINGYICAIJINGSHUJUTONGJIXIANSHI,QUANQIUJINRONGKEJIZHUANLISHENQINGPAIXINGQIAN100ZHONG,JINGDONGSHUKEPAIZAIQIANLIE。ERJINRUQIAN100DEZHONGGUOYINXINGYOU7JIA,CHU4DAXINGYIWAI,HAIYOUWEIZHONGYINXING、PINGANYINXINGHEFUJIANNONGXIN,QIZHONGNONGYEYINXING、PINGANYINXINGHEFUJIANNONGXINJUNPAIZAIJINGDONGSHUKEZHIHOU。YOUCIKEJIAN,TOUBUKEJIGONGSIDEYANFANENGLIYUTOUBUYINXINGQIGUXIANGDANG。

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TU1: 2019NIANSIDAXINGSHOUJIYINXINGKEHUSHULIANG(DANWEI:WANHU)

1

SHUJULAIYUAN:LINGYIZHIKU

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3

银行“数字化 ”趋势不可逆

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CONGZHANGYUANFAZHANJIAODUKAOLV,ZHONGXIAOYINXINGSHIBIJIANGZAICHANPINSHEJI、FENGKONGSHOUDUAN、RENYUANJILI、YEWULIUCHENGDENGFANGMIAN,XINGCHENGYISHUJUWEIHEXINDEYUNYINGTIXI,DAZAODULIFAZHANDESHUZIYINXING。


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