First, the development scale of the scene financial industry
Scenario financing refers to the use of new financial science and technology to organically embed financial activities into existing scenario services and promote the effective completion of economic behavior. The significance of consumer finance lies in integrating financial products with various occasions, making complex financial needs natural and solving the contradiction between consumer demand and purchasing power. Scenario financial management pays attention to users' pain points, provides solutions, is close to consumers' logic and viewpoints, and realizes the transformation of consumers' needs through quick and easy-to-use function settings.
Second, scene finance is an important trend in the development of Internet finance.
Because any finance must have corresponding financial transaction scenarios, without specific transaction scenarios, finance will not exist independently. In the future, many innovations in internet finance are to link the service with the transaction itself in the process of designing the whole financial transaction scenario, so as to make the whole service more valuable. For example, Tencent and Ali compete for the offline payment market, and encourage taxi users to pay fares through mobile phones and QR code scanning by supporting ticking and shortcuts respectively. In this process, patients continue to enrich the payment experience, integrate open online resources, and focus on financial construction in the scene.
With the acceleration of supply-side reform, "Internet" has become an important engine for innovating business models, optimizing production and lifestyle, and promoting economic transformation and upgrading. Enterprises are increasingly demanding Internet-based and scene-based finance. Facing the new situation and new demand, Minsheng Bank actively explored the financial service mode of emerging companies, and established the transaction banking department at the end of 20 15, focusing on scenario finance and internet finance, realizing the interoperability between banking products and industry apps, and expanding the coverage and availability of financial services. At present, Minsheng Bank has formed a "scene transaction bank" product system, forming a multi-level and multi-channel service supply-side structural reform.