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蚂蚁金服CEO井贤栋:数字技术推动金融服务弯道超车

2017-09-22 15:12:13   央广网

在“2017中国普惠金融国际论坛”上,蚂蚁金服CEO井贤栋表示,随着科技发展,数字红利正在加速释放,让人人享有平等金融成为可能。在中国人民大学副校长吴晓求看来,科技是推动中国金融行业业态改革、结构性改革的重要力量。借助科技,在支付业态上,中国已经实现了对欧美、日本的弯道超车。

“科技带来的数字红利就是要让小商贩、普通消费者都切实享受到普惠金融服务”。井贤栋介绍称,实体经济不仅包括大企业和大工厂这些主动脉,也有如毛细血管般千千万万的小商小贩,而且还有千千万万的消费者。但这些毛细血管的需求与大企业和大工厂不同,小额便捷的支付、理财、信贷等金融服务就能极大地改善他们的经营和生活状况。”

科技促进普惠金融服务,最好的例子在农村。位于金字塔底部的是普通农村消费者、农村小型经营者等,这部分客户数量很大但单笔资金需求非常小;金字塔的中间层是规模相对较大的产业链下游经销者、农村种养户、小型生产经营户等;顶层是与农业龙头合作并具有较大规模的新型农业主体,其在生产效率、质量、收益和抗风险能力等多方面均较强,但其资金需求也非常大。

针对三类农村客群,蚂蚁金服推出了针对性的服务方案,覆盖各个农村用户和场景的农村信贷。通过供应链金融模式、“线上+线下熟人”模式和数据化金融平台等三种模式,覆盖了更多的农村用户和场景的农村信贷。这一服务模式也入选了会议期间发布的《2017中国普惠金融发展报告》和《中国农村数字普惠金融报告》。

在中国,数字技术缩小了金融服务的地区差异。井贤栋强调,根据支付宝2015年各省移动支付的渗透率报告,在西藏那曲地区,移动支付占互联网支付比例反而最高。数据技术的快速普及为普惠金融的规模化带来了真实的可能性。

吴晓求认为,中国离普惠金融的目标还是有一定的差距,要达到这个目标,科技是重要力量。“没有科技的力量,金融服务难以跨越,物理和时间约束难以完成的”。目前,科技已经在支付领域起到了很大的作用,推动了整个中国金融的进步,也推动了整个中国经济增长模式的转型,包括电子商务、网上消费,这些变化是中国经济增长模式变革的重要基础。从某种意义上,在支付业态上,中国实现了对欧美、日本的弯道超车。

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