球探体育

医院动态
通知公告
  • 艾瑞:金融科技价值凸显,技术发展迎来突破_信
  • 发布时间:2020-01-01 07:39来源:作者:安徽省青阳县义龙康复医院
  • 导语:球探体育回溯中国金融科技发展历程,金融业务的技术应用从IT基础建设向前沿科技的逐渐过渡,经历了“IT电子化-互联网金融-金融科技”三个发展阶段,技术在金融业务环节中实现了越来越深层次的渗透,金融科技已应用于营销、风控、金融产品设计、业务协作等方方面面,金融科技在业务中的应用价值凸显。

    2019年12月31日, 艾瑞咨询联合微众银行共同发布了《2019年中国金融科技价值研究报告》。报告通过对金融科技企业及金融机构的调研,对金融科技行业发展进行了分析,并从技术落地的角度,阐述了金融科技为业务带来的价值,并对行业未来发展趋势进行了展望。

    球探体育HUISUZHONGGUOJINRONGKEJIFAZHANLICHENG,JINRONGYEWUDEJISHUYINGYONGCONGITJICHUJIANSHEXIANGQIANYANKEJIDEZHUJIANGUODU,JINGLILE“ITDIANZIHUA-HULIANWANGJINRONG-JINRONGKEJI”SANGEFAZHANJIEDUAN,JISHUZAIJINRONGYEWUHUANJIEZHONGSHIXIANLEYUELAIYUESHENCENGCIDESHENTOU,JINRONGKEJIYIYINGYONGYUYINGXIAO、FENGKONG、JINRONGCHANPINSHEJI、YEWUXIEZUODENGFANGFANGMIANMIAN,JINRONGKEJIZAIYEWUZHONGDEYINGYONGJIAZHITUXIAN。

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    球探体育CONGJINRONGJIGOUFintechTOURUSHANGLAIKAN,ZHENGTIYITOUBUJINRONGJIGOUWEIZHU。YINXINGFANGMIAN,CHUGUOYOUDAXING、DAXINGSHANGYEYINXINGDENGTOUBUYINXINGWAI,BUFENDIFANGYINXINGYEZAITANSUORENLIANSHIBIE、QUKUAILIANDENGJINRONGKEJIDEYINGYONG,ZHENGTIJISHUZIJINTOURUYUZENGSUJUNLINGXIANQITALINGYU;BAOXIANGONGSICHENGXIAN“QIANGZHEYUQIANG,RUOZHEYURUO”DETAISHI,TOUBUBAOXIANGONGSIITJIANSHEWANSHANQIEZIZHU,QIANYANKEJITOURUZHUNIANZENGJIA,ZHONGWEIBUBAOXIANGONGSIRENGXUBUDUANWANSHANITJIANSHE;ZHENGQUANYUJIJINXINGYEMUQIANJINTOUBUQIYEZAIJINRONGKEJIFANGMIANYOUSHAOLIANGTOURU,TEBIESHIZHENGQUANXINGYESHOUJIANGUANZHENGCEDEYINGXIANG,XIANGDUIZHIYUELEXINJISHUDESHIYONG。DANZHENGTILAIKAN,JINRONGKEJISHICHANGKONGJIANJIAODA,SUIZHEJISHUBUDUANCHENGSHUJIJINRONGYEWUCHUANGXINDEBUDUANCHANGSHI,JINRONGKEJISHICHANGGUIMOZAIWEILAI1~3NIANJIANGJINYIBUZENGZHANG。

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    报告重点对金融科技发展和业务价值进行了分别阐述:

    JISHUFAZHANFANGMIAN,ZHONGGUOJINRONGKEJIZHUANLISHENQINGLIANGQUANQIUYAOYAOLINGXIAN,SHUOMINGLEZHONGGUOZAIFintechZIZHUFAZHANSHANGJUBEIYIDINGLINGXIANYOUSHI,CIWAI,TOUBUJINRONGKEJIQIYEYEZAIJIJITUIJINKAIYUANSHENGTAIJIANSHE,RANGJINRONGJIGOUJIQIYEKEZAIKAIYUANJIAGOUJICHUSHANGKAIFACHUSHIYONGYUZISHENYEWUDEJISHUFANGAN,JIANGDILEJISHUSHIYONGMENJIANJICHENGBEN,YEJIASULEGUOCHANJINRONGKEJIDICENGPINGTAIDECHUANGXINFAZHAN。

    TOUBUJINRONGKEJIQIYECHENGWEITUIDONGJISHUKAIYUANHECHUANGXINFAZHANDEZHULIJUN。RUWEIZHONGYINXINGZAI2019NIANFinTech DaySHANGFABULEBAOKUOLIANBANGXUEXIJISHUFATEKAIYUANPINGTAI、QUKUAILIANZHONGJIANJIANPINGTAIWeBASE、JINLIANMENGDICENGKAIYUANPINGTAIFISCO BCOSDENG10KUANKAIYUANJISHU,TONGSHIYEFABULEJINRONGKEJIJIASUQI“We JIASU”,SHOUPIQIJIAQIYEJIARUQIZHONG,KEYITUOWEIZHONGYINXINGDEPINGTAIHEJISHUYOUSHI,BANGZHUQIYESHIXIANKEJIHUASHENGJI。CIWAI,WEIZHONGYINXINGAITUANDUIZIZHUYANFADEQUANQIUSHOUGEGONGYEJILIANBANGXUEXIKUANGJIA - LIANBANGXUEXIKAIYUANXIANGMUFATE(Federated AITechnology Enabler),ZHIZAIWEILIANBANGXUEXIJIAGOUTIXIHEGEZHONGJIQIXUEXISUANFADEANQUANJISUANTIGONGQIANGYOULIZHICHI,BANGZHUSHEHUIGEJIEZAIFUHESHUJUANQUANHEZHENGFUFAGUIQIANTIXIA,YOUXIAOHEXIEDIJINXINGSHUJUSHIYONGHELIANHEJIANMO,TONGSHIWEILIFAHEJIANGUANTIGONGJISHUYIJU,WEIZHONGYINXINGAITUANDUIYIYU2019NIAN6YUEJIANGQIZIYANDEFATEJUANZENGJILinux Foundation。

    球探体育YEWUJIAZHIFANGMIAN,JINRONGKEJIYIJINGSHENTOUDAOJINRONGYEWUGELINGYU,YIJIEDAI、LICAI、BAOXIAN、ZHIFUDENGWEIDAIBIAODEDIANXINGJINRONGLINGYUZAIKUAISUFAZHANDETONGSHIRENGMIANLINBUSHAOYEWUWENTI,JINRONGKEJIZAIGEYEWULINGYUZHONGDECHUANGXINYUYINGYONGSHIYEWUTONGDIANDEDAOLEBUTONGCHENGDUSHANGDEJIEJUE。ZAIQUANQIUJINGJIZENGSUFANGHUAN、ZHONGGUOJINGJIJINRUXINCHANGTAIDEHONGGUANBEIJINGXIA,JINRONGKEJIKETIGONGGENGYOUZHIDEJINRONGJICHUFUWUNENGLI、JIANHUAJINRONGYEWULIUCHENG、JIANGDIJINRONGFUWUCHENGBENDETONGSHITISHENGJINRONGFUWUXIAOLV,BUDUANQUDONGYEWUFAZHAN。

    球探体育WOMENJIYUJINRONGKEJIZAIBUTONGYEWUZHONGDECHUANGXINYINGYONGHEDUIYEWUTONGDIANDEGAISHAN,ZONGJIETILIANLEJINRONGKEJIZAIYEWUZHONGDEJIAZHIZHUYAOTIXIANZAIHUOKEXIAOLVDETISHENG、FENGKONGXIAOGUODETIGAO、CHANPINSHEJIDEJINGXIHUA/CHAYIHUA、CHENGBENJIEGOUDEYOUHUAHEGENGGAOXIAODEDUOFANGYEWUXIEZUO。

    价值一:智能营销精准捕捉用户画像、深度挖掘用户需求

    球探体育ZHINENGYINGXIAOKEJINGZHUNBUZHUOYONGHUHUAXIANG、SHENDUWAJUEYONGHUXUQIU,TONGGUOZHENGHEDUOFANGSHUJU,CONGDUOGEWEIDUSHIXIANDUIYIGEYONGHUDESHENDULIJIEHEJINGZHUNHUADINGWEI,DONGCHAYONGHUQIANZAIXUQIU,BINGZHENDUIXINGDITUICHUGEXINGHUAPINPAIYINGXIAOCELVE,YOUXIAOJIANGDIHUOKECHENGBEN、TIGAOHUOKEXIAOLV。

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    价值二:智能风控助力风控升级

    CHUANTONGFENGKONGZHUYAOYIKAORENGONGJINXINGSHENFENXINXIPIPEIYUCHAYAN,FENGKONGXIAOGUOYOUDAITISHENG。SUIZHEJINRONGKEJIDEFAZHAN,LIYONGDUOWEIDUSHUJUJIAIFENGKONGMOXINGSHIXIANZHINENGFENGKONGDEYINGYONG,BANGZHUJIGOUJINGZHUNPAICHAQIANZAIFENGXIANYONGHU。RUWEIZHONGYINXINGTUICHULEJIYUYUQINGDEDAIZHONGFENGKONGPINGTAI,FUZHUSHIBIEDAIZHONGYONGHUHUAXIANG,TISHENGFENGKONGXIAOGUO。

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    价值三:金融科技让金融产品设计去同质化,更加满足用户需求

    球探体育TONGCHANGBAOXIAN、JIJINDENGJINRONGCHANPINDEPINLEIJIAOWEIGUDING,TONGZHIHUAYANZHONG,QUEFACHANPINCHUANGXIN。TONGGUOYIDONGDUAN、WULIANWANGSHEBEIDENGDUOFANGZHONGDUANSHUJUCAIJI,LIYONGDASHUJUYUAIJISHUSHIXIANYONGHUXUQIUSHENDUFENXI,JINERZAIYIDINGCHENGDUSHANGGAISHANCHANPINTONGZHIHUAXIANXIANG。GAIYINGYONGMUQIANCHUYUXINGYEZAOQIJIEDUAN,BAOXIANWEIZHUYAODEYINGYONGFANGXIANGZHIYI,SUIWUFAXINGCHENG“QIANRENQIANMIAN”DEJINRONGCHANPIN,DANYIFANGMIANKEYITONGGUOGENGJIAJINGZHUNDEYONGHUXUQIUDINGWEISHEJICHUGENGJIAFUHEDAZHONGXUQIUDEJINRONGCHANPIN,LINGYIFANGMIAN,KEZAIYIDINGCHENGDUSHANGZENGJIACHANPINPINLEI,RANGJINRONGCHANPINZAIGENGJIATIEJINYONGHUXUQIUDETONGSHI,GENGJIADUOYANGHUA。

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    价值四:技术催化金融企业优化成本结构、增强版块协同

    SUIZHEJINRONGKEJIZAIYEWUZHONGDEZHUJIANSHENTOUYUYINGYONG,YINXING、BAOXIANDENGCHUANTONGJINRONGJIGOUDUIYUDALIANGRENLIDEYILAIZHENGZHUJIANBIANXIAO,RONGZADEYEWULIUCHENGHEYUNZUOLUOJIZHENGBEIYOUHUA,DALIANGZHONGFUXING、JIXIEXINGDEGONGZUOBEIJISHUGONGJUCHENGDANHUOTIDAI,YUCITONGSHI,HUOKEXIAOLV、FENGKONGXIAOGUO、YEWUZENGZHANGDENGFANGMIANYESHOUDAOLEKEJIDECUJINZUOYONG。JINRONGKEJIJIDADIJIANGDILEJINRONGYEWUDEHUOKE、RENLIHEYUNYINGDENGCHENGBEN,JISHUZHICHUZAIQIYECHENGBENJIEGOUZHONGDEZHONGYAOXINGYUELAIYUEQIANG,JINRONGQIYEDECHENGBENJIEGOUZHENGBEIZHUBUYOUHUA、GEBANKUAIDEXIETONGXINGYUELAIYUEQIANG、QIYEDEGONGZUOXIAOLVYESUIZHIBUDUANTIGAO。

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    价值五:区块链通过组建联盟链网络,提升多方业务协作效率

    RUGONGYINGLIANJINRONG、ABSDENGYEWUDOUXUYAODUOFANGCANYUBINGJINXINGYEWUXIEZUO。YOUYUCHUANTONGITJISHUDESHUJUCUNCHUFANGSHIWUFAMANZUGEJINRONGYEWUCANYUFANGXUQIU,SUOYIWUFAGOUJIANYITAOQIYEJIANDEYEWUXIEZUOXITONG。ERQUKUAILIANTONGGUOLIANMENGLIANZUWANG,KEGOUJIANYITAOBIANYUDUOFANGCANYUDELIANSHANGYEWUXIEZUOXITONG,SHUJUKEJINGSHOUQUANCHAKAN,ZHINENGHEYUEDENGJISHURANGYEWUXIEZUOLIANSHANGHUACHENGWEIKENENG。

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    趋势一:监管科技成蓝海市场

    2017NIAN5YUE,YANGXINGCHENGLIJINRONGKEJIWEIYUANHUI,ZAIZHONGDIANGUANZHUJINRONGKEJIFAZHANDETONGSHIQIANGDIAOLEJIANGUANKEJIDEZHONGYAOXING。ZHIHOU,YIXILIEGULIJIANGUANKEJIFAZHANZHENGCEWENJIANLUXUXIAFA,2018NIAN8YUE《ZHONGGUOZHENGJIANHUIJIANGUANKEJIZONGTIJIANSHEFANGAN》DEYINFADENGYIXILIEJUCUODOUWEIJIANGUANKEJIZAIZHONGGUODEFAZHANTIGONGLEYOULIDEZHICHI。YUYIMEIGUO、YINGGUOWEIDAIBIAODEJINRONGYEFAZHANCHENGSHUDUGAODEQIYEXIANGBI,ZHONGGUODEJIANGUANKEJIQIYEQIBUWAN、SHULIANGSHAO,2013-2017NIANMEIGUOYIWAIDIQUQUANQIUJIANGUANKEJIRONGZIQIYEFENBUZHONG,ZHONGGUOHAIBUDAO4%。CIWAI,JINRONGKEJIZAIYEWUZHONGDEZHUJIANYINGYONGRANGCHUANTONGDEJIANGUANMOSHIWUFAMANZUJIANGUANXUQIU,JIANGUANSHENGJIPOZAIMEIJIE。ZHENGCEYUXUQIUDESHUANGZHONGTUIDONGXIA,JIANGUANKEJIJIANGCHENGWEIYIGEZHENGXIANGYONGRUDESHICHANG。

    趋势二:区块链成金融科技重要战略方向

    球探体育MUQIANZHENGCELIHAOQUKUAILIANJISHUFAZHAN,QIEQUKUAILIANZAIJINRONGFUWUHESHITIJINGJISHENDURONGHE、JIEJUEZHONGXIAOQIYEDAIKUANRONGZINAN、YINXINGFENGKONGNAN、BUMENJIANGUANNANDENGWENTISHANGDOUJUBEIYIDINGYINGYONGJIAZHI,ZHEIJIANGDAIDONGJINRONGJIGOUDUIQUKUAILIANJISHUTOURUDEZENGJIA。2018、2019NIANZHONG,YINXINGYEYIZHIDOUSHIJINRONGJIGOUZHONGQUKUAILIANJISHUTOURUDEZHULIJUN,BAOXIAN、ZHENGQUANDEGANGXUCHANGJINGSUISHAOYUYINXING,DANZHENGTIJISHUTOURURENGHUIZAIZHENGCEDAIDONGXIACHENGZENGZHANGQUSHI。SUIZHEJINRONGJIGOUJIADAQUKUAILIANDEJISHUTOURUYULUODITANSUO,YEJIANGJIASUQUKUAILIANJINRONGJICHUSHESHIJIANSHEDEWANSHAN。

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    趋势三:金融RPA价值逐渐显现

    JINRONGYEWUZHONGLIUCHENGHUA、ZHONGFUXINGGONGZUOJIAODUO。XIANGBIYURENGONGCAOZUO,RPAJIEHEOCR、NLPDENGJISHUKEJIANGDIYEWUZHIXINGCUOWULVJIFEIFACAOZUO。TONGGUOAIRUIDUIJINRONGJIGOUDEDIAOYANFAXIAN:YUE68%DEJINRONGJIGOURENWEIRPAKEYIDUIJINRONGYEWUCHANSHENGJIAODADEJIAZHIQIEYUANYICHANGSHI,YIYINXINGJUDUO;YUE15%DEJINRONGJIGOUDUIRPADESHIYONGCHIZHONGLITAIDU;YUE17%DEJINRONGJIGOURENWEIRPAZAIBUFENYEWULINGYUZHONGHENNANLUODI,ZHUYAOYUANYINWEIJIANGUANZHIYUEYIJIMUQIANRPAJISHUWUFASHIYINGYEWUGUIZEDEKUAISUBIANHUA,CHIGAITAIDUDEYIZHENGQUAN、BAOXIANGONGSIJUDUO。SUIRANMUQIANKANLAIZHONGGUOJINRONGJIGOURPAJISHUZIJINTOURULIDUBINGBUDA,DANSHI,RPALUODIDEYEWUCHANGJINGZHENGZAIZHUJIANFENGFU,QIEQIKEYIJIASUAIDENGJISHUYUJINRONGYEWUDERONGHE。YINCIKEYIYUJIAN,SUIZHEJINRONGKEJIDEJINYIBUFAZHAN,WEILAIJINRONGJIGOUDUIRPADETOURUHUIZHUJIANZENGJIA,RPASUOCHANSHENGDEJIAZHIYEJIANGGENGJIAKEGUAN。

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