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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
“金融科技对金融机构的冲击是巨大的,它的冲击在于把金融机构的生产过程从内生的过程变成了一个外化的过程。”清华大学国家金融研究院院长、国际货币基金组织原副总裁、中国人民银行原副行长朱民表示,金融机构以前产品的设计、生产、分管、配置、销售完全是在一个机构内部产生和进行的,不管这个机构大小,生产流程都是内生的。金融技术的出现打破了这个内生的环节,逼迫着把内生环节外生化、社会化、商品化、产业链化。所以,今天整个金融产品的设计、生产、控制、配置、销售变成了一个产业链、市场化的过程。
竞争还是同路
“以前我们认为科技是支撑(金融)业务的,科技是走在后面的,现在科技是推动(金融)业务的,给我们很多科技的人才有机会能参与到最前沿去,有更大的话语权和影响力能够重塑这个行业。”蚂蚁金服首席执行官井贤栋提出了金融科技的“310”模式,即3分钟的申请,1秒钟到账,0人工干预。
虽然当前国内多家大中型银行智能机具对同类业务的柜面交易替代率已突破90%,部分地区几近100%,但仍然很难实现“310”模式。而欧美则是:3个礼拜申请,1个月审批,拒绝率可能很高。“今天的银行还是以金融服务为主,在日常生活中还谈不上无缝对接。但日常生活中,金融无时无处不在。”阿里金融云总经理徐敏向经济观察报记者称,最好的金融是“无感知金融”,当需要的时候,金融就在手边。如果要实现“无感知金融”,那系统一定是优雅的,“拟人”的,而非账户为中心的。虽然很多家大中型银行宣称综合机具柜面替代率达90%,但仍只是初步的自动化,系统设计的核心仍然还是账户,还不足以实现“无感知金融”。
银行业被敲响警钟,近年已加大在科技方面的投资,更新核心银行系统、加快应用大数据和人工智能、推进网点转型和拓宽渠道,以及与科技机构成立合资公司、共享渠道、交叉销售等方式战略布局金融科技。“现在我们把这种风控能力输出给金融机构,让金融机构在现阶段缺乏线上数据积累的情况下,可以迅速发展线上金融业务,在提高增量收入的同时,实现业务模式的完善和迭代。”陈生强表示,京东金融和金融机构合作,既能够给金融机构带来新增客户,也能服务好金融机构现有用户,同时,还能给这些客户带来更多的价值。
然而,银行的固有业务被收缩,盈利空间被挤压却已成为现实。朱民认为,金融科技对传统金融机构或者对整个供应商、金融供给方面的生态冲击和破坏巨大。
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