新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China

银行转型大打“科技牌” 监管部门正就此展开可行性研究

2017-09-15 08:06:54   中国经济网

招商银行也着手打造金融云,其“招银云创”走定制化路线,金融云不局限于IT服务,还包括金融业务。

中信建投银行业首席分析师杨荣认为,对于传统银行而言,银行业务越来越多地迁移至网络。银行既是云服务的需求者,也是云服务的提供者,银行提供的云服务除IT支撑外,还有全面的金融服务方案,这令银行云服务的内涵更加丰富。以“招银云创”为例,借助银行集团内部的联动机制,金融云业务的客户得到的不仅是“招银云创”的服务,还有招商银行各业务条线、各分行、各子公司的全方位服务。

越来越多的商业银行将金融科技定位为下半场转型的“核动力”,大力推动移动互联、云计算、大数据、人工智能、区块链等新兴技术的创新应用。

陈翀等业内人士认为,金融科技短期内的作用是辅助银行转型,真正给银行业绩增长带来贡献还需一段不短的时间,并且前期投入巨大。

用好创新“双刃剑”

券商分析人士认为,对于金融科技创新,监管部门持谨慎支持的态度,支持银行和金融科技公司合作,积极推动大数据、云计算等新一代信息技术的发展,引导包括数字货币、征信体系等基础设施的搭建,为互联网交易型银行的发展打下技术根基。以维护市场公平秩序、保护金融消费者合法权益和促进金融健康发展为目标,以鼓励创新、防范风险、趋利避害、健康发展为原则,各方打造互联网交易型银行的新时代。

据媒体报道,监管部门正就银行联合设立互联网金融云服务平台,与19家中资银行沟通。银监会去年发布的“十三五”规划指出,要积极开展云计算架构规划,制定云计算标准,联合建立行业云平台。

专家指出,尽管商业银行与金融科技的深度融合大势已定,但真正用好金融科技创新这把“双刃剑”仍需时日。“需要把握好金融科技创新与风险监管的适度平衡。”中国互联网金融协会会长李东荣表示,在金融科技发展的过程中,一方面要考虑借鉴“监管沙箱”、监管科技的理念,建立具有包容性的创新管理机制,在风险可控的前提下,开展应用试点、产品实验,让所有金融产品创新“走得动、行得通、坐得正”;另一方面,通过审慎监管和行为监管的并行互补,行政监管和自律管理的有机结合,建立金融科技风险全覆盖的长效监管机制,让监管部门对金融科技创新“看得到、穿得透、管得住”。

对于金融科技的迅速发展,光大云付副董事长兼总裁夏令武认为,应及时跟踪并捕捉潜在金融风险,允许创新试错,明确创新性新金融机构的责任主体,鼓励大型综合性持牌金融机构或企业集团成为金融科技企业的监护人;推进监管科技,提升监管手段,加强监管模式创新,提高监管的及时性和有效性。要利用最新的科技手段来服务于监管和合规。监管机构可以通过接入市场金融科技平台,实现对交易、行为和沟通的实时非干预性检测,识别潜在风险和欺诈,从而促进金融科技行业的健康、规范发展。

(原标题:银行转型大打“科技牌”)

上一页2/2下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410851_2.html
Server: cms-8-252
Date: 2024/06/16 20:53:20

Powered by China
China