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京东金融联手兴业银行推出“小金卡” 余额可自动理财

2017-08-22 19:01:31   央广网

周航宇说,“京东金融的定位是一家金融科技公司,是服务于金融行业的科技公司,所以我们希望可以为更多的科技公司提供一些全方位、全链条、模范化的一些基础设施的服务。把我们的数据,技术,产品,场景,账户等都向金融机构进行全面开放,帮助金融机构提高效率降低成本,增加收入,进一步挖掘双方客户的价值,增加广泛的用户群体,围绕基础性产品,我们会不断推出多种场景或者是一些应用,丰富用户办理卡后的使用体验。”

中国社科院金融所金融市场研究室主任杨涛认为,未来的合作不能仅仅停留在跑马圈地上,要更多的利用互联网和金融科技,实现优势互补。

杨涛指出:“现在到了传统银行业需要面对互联网和金融行业的挑战、更好地实现转型这样一个比较迫切的阶段。多数机构还是在跑马圈地的阶段,没有充分地把互联网基因运用到自已真正的全面架构理念等各方面的改革当中。当然,现在也有监管方面的制约合约束,总而言之,未来的方向肯定是拥抱互联网,不断进行转化,在既定的监管条件下,现有的银行业肯定还需要进一步挖掘如何利用互联网和金融科技。”

长远来看,银行涉及金融科技的领域众多,但是由于不同银行的能力存在差异,完全可以将开发科技系统的需求,通过外包的方式,与金融科技公司对接。无论产品输出,还是技术输出,互联网企业与传统金融合作的空间都是巨大的。信用卡业务资深市场人士董铮分析,双方相互学习,才能相得益彰。

董铮说:“我把卡存在银行的一个储蓄账户里,我就自动享受到余额给我带来的收益,同时这些信息又回到我的卡里去。作为银行来说,我的客户没有流失,又在我这黏住了,从银行的角度来说他是支持的,你没有动银行的奶酪。即不是为敌的,是为友的,互联网金融应该依托于传统金融数十年打造的一个大平台,包括一类账户、二类账户,这些东西都是传统金融做的,在这个基础上实现突破。反过来说,传统金融也应该去学场景,用户体验,双方的合作才能相得益彰。”

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