The first is to stick to the bottom line of safety and never waver. If it is not safe, the banking industry will be gone.
The second is to put down your body and serve, so you have to face those "diaosi". I don't use this word very much, and I'm afraid I can't pronounce it correctly. You should have a good attitude to serve the grassroots and small customers, otherwise once they leave you, it will be a great challenge for the bank. Its aggregation effect is very strong.
Third, we should learn to optimize our products according to the characteristics of the Internet. You can think about it. In the past, banks had many products, which were similar to our current "baby". For example, banks used to push regular and regular toilets, some of which were lump-sum deposits and seven-day notice deposits, all of which were products that banks improved their income by changing the cycle period in disguise. However, commercial banks have a problem, that is, they have not integrated and upgraded these products according to the characteristics of the Internet era and the needs of customers. These things have a lot of room to do, not for anyone, but to better serve customers.
The fourth is customer segmentation. Maybe everyone here wants the network service to be more powerful, but you know that there are still 7% people in China who don't have computers at home, and some people need the bank to provide face-to-face service at the counter, which is also indispensable.
Fifth, as a banker or manager, we must learn to find business opportunities from customers' complaints and criticisms, which will bring us unlimited business opportunities in the future.
Methodology 2 Internet finance and commercial banks should seek complementary advantages.
First, because of the internet finance, especially the occurrence of a large number of third-party payments, customers in this mode of third-party payment left their bank accounts, which actually cut off the original direct contact between banks and customers. So what we are afraid of is not how much share the third-party payment takes from you, but that it cuts off the connection between your bank and your customers. I think this is the most dangerous thing for us at first. If a bank loses direct contact with its customers, it cannot analyze their habits and needs. If a financial institution does not understand the demand, it may be the most dangerous. This is the first one.
Second, Internet finance has changed the traditional consumption pattern of finance, such as the introduction of counters and account managers. It makes the availability, timeliness and convenience of financial services the main choice of consumers through online transactions, online payments and mobile payments. In this way, Internet finance has entered the daily life of consumers. Now there is an application scenario of internet finance, which is to combine seemingly unrelated applications with specific scenarios, and turn users' needs into an interesting and attractive way based on the scenarios. For example, Tencent's grabbing a red envelope is actually bound to a credit card account. Therefore, its scene marketing has greatly improved the customer experience, which far exceeds the introduction of bank counters and account managers to increase the viscosity of customers, which we should consider.
Third, because the Internet is interconnected, Internet finance is largely open, allowing customers to communicate directly with our bank. In the past, the internal channels of our traditional banks were still relatively closed. Why are there crowdfunding, public construction and mass creation based on the Internet? This platform is open, and banks and customers can design and develop products at the same time. Therefore, in this case, his products are more in line with the market and meet the needs of customers than the closed product marketing of banks. This is also what our traditional banks should see.
Fourth, internet finance, perhaps we think it is more inclusive, more democratic and more considerate of a few people. Therefore, it is possible to reach out to all kinds of customers more widely. In the past, traditional banks would never manage money for a dollar, but the internet put these odds and ends of a dollar together. In fact, we can understand it as a group purchase. But it meets these needs in inclusive finance. So we can get wider support from everyone in society. I think the diversion of our real share is not enough to be our concern now, but the challenges brought to you by Internet thinking and Internet business model are worthy of our traditional banks' in-depth thinking. I think we need to be inspired in this respect now.
Therefore, Internet finance and commercial banks should seek a truth of complementary advantages. They should not regard each other as enemies too much, but as partners and competitors.
Methodology 3 Tenpay will announce the product direction similar to WeChat red envelope in the future.
Scene 1: Xiao Huang University has just graduated and joined a company. He hasn't got his first month's salary, but his mother is ill. He is in a hurry to use money, but there is no record in the bank credit information system. Because he doesn't have a credit card, we are willing to give Huang Xiao the first product he used to turn around and treat his mother by combining our Internet big data and the ability to supplement the bank credit information system. Before paying him, we can give him a much-needed fund for a rainy day. The money may be provided through P2P companies. However, Tencent Tenpay, the direction of Tencent Finance, is to combine our big data capabilities and cover the shortcomings of Huang Xiao's letter and traditional data. We can meet his needs, solve his urgent economic needs and provide them in a more social and safer way. We will provide it in a very short time.
Scenario 2: There is a small business owner in Guangdong. He needs 200,000 to 500,000 emergency funds to start a business. Next, because he has exhausted all the credit lines, he can't get credit in an emergency. We will also use some of our big data capabilities to unite some of our banking partners to provide him with the very urgent financing services he needs. These are very important services that we know about inclusive finance, and a large amount of data on the Internet can provide good and valuable services for the future. This is also one of our core platform products in Internet finance after the launch of WeChat Red Packet, Licaitong and WeChat Bank. Credit information system can solve the demand that many grassroots users in inclusive finance can't get credit.
Methodology 4 First, the Internet should be further humanized; Second, the essence of Internet finance is finance; Third, the spirit of the Internet is great.
The essence of Internet finance is finance. No matter where the Internet develops, the essential characteristics of bank insurance, securities, trust, futures, asset management and wealth will not change. Because the internet itself will never and cannot create finance. But the internet is just trying to change the way finance plays. The cultural essence of finance and Internet is opposite. Finance emphasizes rationality and prudence, while the Internet is free and open.
Although finance and the Internet are very powerful, when rational and prudent finance and the free and open Internet are truly integrated, the whole world will change. The biggest cost of finance is labor and transaction costs, which is the unique advantage of the Internet. When we minimize the huge manual transaction cost and make it beneficial to customers, the real economy of society will greatly increase its vitality and the power of finance will be geometrically enlarged, which is beyond doubt. However, Internet grassroots finance cannot replace real Internet finance. The real Internet finance must be the operation and penetration of Internet finance in the whole industry chain. Now this is just a superficial thing.
I firmly believe that ten years later, if there are ten great Internet finance enterprises in China, at least seven of them are the infiltration and development of the Internet by existing financial institutions, there may be three other Internet enterprises now. The most important thing is that they will achieve it by acquiring and establishing financial institutions. Otherwise, there will be no real Internet finance enterprises. Because if there is no knowledge of financial talents and financial risks, there will be no real Internet finance enterprises. The financial internet, which lacks risk and prudence, will also mean the collapse of the financial system in the foreseeable future.
Methodology 5: two business models under effective control efficiency
In the first model, you collect deposits from people, promise them a certain return, and then you give them to borrowers.
The second mode is to create a platform for direct face-to-face communication between borrowers and lenders. Of course it's not as simple as the picture I drew. They can communicate directly face to face. Before you really connect the borrowers and borrowers face to face, relative models, valuations, etc. They can be arranged to sit together. Therefore, in order for technology to provide us with more added value, you must first develop a left-handed business model, so that we can do more. If your business develops and innovates too much, regulators will feel that supervision will be strengthened. Therefore, we hope to adopt a brand-new method.
The biggest difference between these two models is that in the left model, you make money through interest rates. The higher your interest rate, the more money you earn, and the correct model is to make money through interest rates. The model on the left is the same to you regardless of the interest rate. Therefore, this is our plan for the economy and a healthier economy today. Therefore, we think that the most important thing of any technology is not to make money. If the ultimate goal of any technology is to make money, it is not a good technology.
Methodology 6 How to establish a network trust system to adapt to the development of internet finance
First of all, we can further improve the Internet financial authentication system on the basis of the mature network identity authentication system in the banking field.
In terms of specific operations, I think that on the one hand, these resources can be extended to the emerging field of Internet finance to authenticate the trading subjects; On the other hand, the application scope of electronic authentication service can be further expanded. The mature technology and policy support of electronic authentication will greatly promote the perfection of identity authentication system.
Second, based on the existing banking credit information system, integrate resources to establish a credit information system for the whole society. At present, although the personal and corporate credit information system of the banking industry has been established, there are still a lot of credit information scattered in other financial institutions and Internet companies. We can learn from the advanced experience of developed countries, design the overall framework of the whole society's credit information system, explore the development model of the credit information industry, establish the * * * sharing mechanism of credit information related data, study scientific credit evaluation indicators, and gradually form the whole society's credit information system. In this process, financial institutions and Internet companies should adopt an open attitude to promote resource sharing.
First, learn from the experience of banking information security management, and refer to or adopt the existing Internet information security system, such as computer system security level protection evaluation. To strengthen the data security management level of Internet finance enterprises.
Second, information security service institutions are the backbone. Specialized information service institutions should study various business forms and their characteristics in Internet finance, provide consulting and evaluation products suitable for Internet finance, and form a professional information security service plan to meet the information security needs of Internet finance enterprises.
Third, the Internet finance company itself is the key link. It is necessary to strengthen the awareness of information security risk prevention, improve the risk management system, strengthen defense means, conduct regular risk assessment on the system, and adopt independent and controllable information security software and hardware products in key business links.
Method 8 Application of Reliable Electronic Certificate in Internet Finance
First, vigorously promote the application of reliable electronic signatures. At present, the electronic signature based on the third-party electronic authentication service has been used in online banking. What we need to do is to further extend the electronic signature to other business forms such as supply chain financing, online microfinance, P2P and crowdfunding.
Secondly, further standardize the application specification of electronic signature. According to the specific business models of various formats of Internet finance, the application norms of electronic signatures are studied and formulated to ensure the reliability of electronic signatures.
The third is to improve the judicial expertise system in electronic authentication. Various forms of Internet financial services will produce frequent online trading activities, which will inevitably lead to trading disputes. Perfecting the existing judicial expertise system of electronic certificates is helpful to protect the rights and interests of all parties.