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从颠覆到合作 金融科技再塑金融生态

2017-09-24 07:36:51   中国经济网

“过去我们希望颠覆、改变这个(金融)行业,但是现在改变了战略,我们是非常关注合作伙伴关系的。”Paypal全球执行副总裁兼首席风控、合规和安全官Aaron Karczme在清华大学五道口金融学会、清华大学国家金融研究院主办的第二届中国金融科技大会上表示,通过在跨行业的参与和合作,Paypal能够为客户提供高质量的产品和服务。

从提出颠覆金融,到与金融机构展开合作,不仅是Paypal的战略转变,也是中国的金融科技机构,如BATJ目前所选择的方向。

人工智能技术驱动了金融进入智能金融时代,百度高级副总裁朱光表示,人工智能时代的变革,最可能受到影响、马上就能落地的领域就是金融。百度金融正在通过自己的科技能力,让金融机构更加智能化,为现有用户提供更好的服务,并尝试服务之前难以触达的客群,践行普惠金融。

“越来越多的金融机构意识到,金融科技公司的能力可以为我所用,所以开始主动选择和金融科技公司合作。”京东金融首席执行官陈生强表示,以银行业举例,过去一年来,中国银联、工商银行、光大银行、亚洲金融合作联盟、山东城商行联盟、广东农信社联社等机构分别与京东金融签订了全面或战略合作协议,在数字化金融、智能风控、产品服务创新和营销运营等核心业务能力上实现了深度连接。

与此同时,银行也开始在自身金融科技能力建设上加大投入,部分银行设立了专门的网络金融部,或者直接投资成立独立的金融科技公司。

科技倒逼金融改革

中国的金融科技起源并非于金融,而是科技。如果不是科技机构迅速抢占金融业务,中国的科技金融创新能力不会被激发。

金融科技在国内的发展,一方面体现在科技机构进入金融业,较为成功的案例如蚂蚁金服、京东金融及微信支付等;另一方面则体现在金融行业引进科技,如直销银行、手机银行等。麦肯锡公司大中华区总裁倪以理认为,传统银行的创新比起在互联网的创新,比起一些纯网上的银行,差了三到五年。

“数字化时代如果不重视客户体验,以及业务所关联的场景和生态,既无意愿又无能力去构建,将很难形成稳定的盈利模式,最终只能是在竞争中被市场挤出。”广发银行网络金融部副总经理关铁军称。 近年随着宏观经济进入新常态、金融科技公司崛起、消费者数字化需求增加以及新技术的迭代更新,大中型银行纷纷开始试水数字化新模式。当工农中建等大型银行相继与京东金融、百度、腾讯、蚂蚁金服等互联网机构开展战略合作之时,民生银行与小米、搜狐也签署合作协议,冀图做大做强互联网金融;光大、平安、兴业、招商银行的科技子公司光大云付、平安科技、兴业数金、招银云创等互联网金融技术已取得一定成就。

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