With the deep integration of Internet technology and financial industry, financial technology is also accelerating the ecological remodeling of the banking industry. Especially since the beginning of 2020, affected by the COVID-19 epidemic, the domestic economy has been hit hard. On the one hand, the demand for credit in the banking industry has declined, and the demand for online and contactless services has soared. At the same time, the asset management business, which is still adapting to the new asset management regulations and in a difficult transition stage, is also facing unprecedented challenges. At this critical node, how to develop financial technology and realize digital transformation in China banking industry has become a top priority.
Zhao Zhiwei, Chairman and CEO of the financial sector.
Zhao Zhiwei, chairman and CEO of the financial sector, pointed out in his speech that with the improvement of people's overall income level and wealth awareness, customers' demand for financial services has been escalating. The acceleration of the epidemic has forced the demand for the digital economy to increase, and the digital economy has evolved into an era of "customer empowerment". "If we want to maintain our advantages in the digital wave, we must take technological innovation as a moat and meet customer needs with speed, quality and value that competitors can't match, while enterprises with slow digital transformation will quickly sink into history."
Zhang Bin, Chief Information Officer of Ping An Bank
Zhang Bin, chief information officer of Ping An Bank, said that technology, especially digital technology, has a great impact on social and economic development. After consuming the Internet, the industrial Internet is booming. The future changes are digital economy and digital society. The wide application of digital technology has spawned the emergence and development of digital economy, and the management and application ability of data assets is the key ability of digital transformation of banks.
Zhou Yang, Deputy General Manager of Personal Finance Business Department of Industrial and Commercial Bank of China
Zhou Yang, deputy general manager of ICBC's personal finance business department, said that banks must come from customers and go to customers. Commercial banks are always open, but the most important thing is an open mind, which can truly achieve internationalization, digitalization and intelligence. The step of "emancipating the mind" must be taken firmly in order to truly "go out". Employees of commercial banks should always observe and think about customers' needs and behaviors, follow them up in time, and be well-intentioned and hands-on, so as to effectively promote the construction of open banks.
Guo Hao, Assistant General Manager of Financial Technology Division of Bohai Bank.
Guo Hao, assistant general manager of the Financial Technology Division of Bohai Bank, pointed out that with the development of consumer Internet, the platform economy has completely changed the business model, economic form and people's consumption habits, thus changing the micro-foundation of the economy. The development of platform economy has become the new engine of economic growth. Speaking of open banks, Guo Hao believes that banks use product openness, service openness and technology openness, and combine industry resources and processes to embed and integrate financial services into the entire cooperative platform products and empower the platform financially. Through cross-border integration, self-built ecology and self-built ecology are combined to realize * * * construction, * * * enjoyment and * * * win-win.
Xie Kai, Deputy General Manager of Network Finance Department of Agricultural Bank of China.
Xie Kai, deputy general manager of the network finance department of Agricultural Bank of China, pointed out that the digital transformation needs to rely on two major backgrounds, one is that technology is the driving force, the other is that technology extends to the economy, and the digital industry drives the digitalization of industries in all walks of life. In the digital transformation, banks need to solve their own business problems, and the other is that banks realize digital services to the real economy.
Guan Tiejun, General Manager of the Network Finance Department of Guangfa Bank
Guan Tiejun, general manager of the network finance department of Guangfa Bank, said that the financial service model should be constantly innovated and ahead of the needs of users. The innovation model puts forward more specific work requirements and evaluation standards for business, service, experience, strategic deployment, investment, data, computing capacity storage, algorithm model, internal management and risk control. And established a system combining finance with science and technology. To meet these guidelines and requirements, only through online and digital financial and technological integration management means can the corresponding management processes, functions or platform tools be established, and the guiding requirements of management functions and means can be effectively established.
He Jianbo, Vice President of Finance and General Manager of Smart Finance.
He Jianbo, vice president of the financial sector and general manager of intelligent financial business, pointed out from the perspective of bank partners that the future banks may have the following forms: first, technology banks; The second is the ecological bank; Bank services will be integrated into the whole production environment as a link in the industrial chain in the future; Third, smart banks; Digitalization and scene will become the top priority. Regarding how to use financial technology to serve customers, He Jianbo said, firstly, intelligent information has become a strong adhesive to connect customers. To play a better role, information should solve two problems, one is the value of information content, and the other is personalization. Of course, information should not only connect users, but also connect data, quotes, financial products, investment consultants, investment strategies and so on.
Chen Min, Chairman of Yinsheng Payment
Chen Min, Chairman of Yinsheng Payment, expressed his views on the digital transformation of the whole financial industry from the perspective of payment enterprises. First of all, the whole digital transformation is a systematic project, technology is only a dimension, and it is more about organizational structure and resource investment. Secondly, the key to digital transformation lies in the whole execution, and the key lies in the participation and landing of the following grassroots employees. Third, digital transformation needs a line, a policy and a differentiated route. Fourth, digital transformation has no end, only a starting point. Finally, Chen Min pointed out that financial technology is a double-edged sword, risk management is the first, technology is the first productive force, but technology is also the first destructive force. Good use of financial technology is called risk control, and poor use will expand risks.
This year is also an extraordinary year for the asset management industry. What preparations should banks make for the transformation and asset management business? What is the future development trend and reform direction after the asset management scale exceeds 1000 billion yuan? Has become the focus of attention. To this end, the financial sector invited five professionals to visit the round-table forum to discuss the development of the asset management industry in the "post-stock era".
Chen Tong, vice president of E Fund, said that the new asset management regulations still have some differences in the types of assets invested by managers in different management industries, and the fund is still in a competitive stage with some differences. Like large financial institutions, including banks and trusts, the experience of customers in the past is still very good, and their loyalty to customers is still very high. Therefore, how to make the fund industry's net worth management distinctive is a challenge we are facing.
Regarding the transformation and transformation of the asset management industry under the new asset management regulations, Ren, vice president of Ningyin Wealth Management, said that bank wealth management is facing pains in the process of transformation and adjustment. One of the biggest challenges comes from the transformation of business model.
Liu Xiangdong, vice president of Everbright Trust, believes that the trust industry has experienced a transition period from high-speed growth to high-quality development after the release of the new asset management regulations. In the future, trust can vigorously develop consumer products from the dimensions of supporting the real economy and capital market reform, and give play to its unique institutional and market advantages.
Yu Jianing, former director of the Industry Research Institute of the Information Center of the Ministry of Industry and Information Technology, believes that the industry has begun to develop in the direction of standardization, high quality and transparency, and will become safer and more efficient in the future.
Regarding the future development of the multi-billion-dollar asset management industry, Zhang Shanshan, assistant to the president of the Asset Management Division of Industrial Bank, believes that residents' wealth awareness has awakened and savings will gradually turn to investment. Therefore, the whole asset management market will certainly flourish in the next decade, and everyone's share can be further expanded.