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传统银行欲搭车金融科技驶入“Bank3.0时代”

2017-12-4 17:09| 发布者: admin| 查看: 6348| 评论: 26

12月6日,在中国银行业协会、深圳市金融办指导下,中小银行互联网金融(深圳)联盟联合《中国银行业》杂志社共同举办的 “发展数字银行 促进合作共赢”——中国首届数字银行高峰论坛暨中小银行互联网金融(深圳)联盟成立大会于深圳举行。更引人注目的是包括Bank 3.0》作者Brett King在内的诸多学者亦将应邀出席大会,与联盟成员一起分享数字经济时代中小银行的发展之路。本次活动将金融科技大潮下中小银行的转型发展之路引入一个新阶段。
人工智能、区块链、大数据等前沿科技的发展,无疑正在帮助传统银行驶入发展的快车道。近年来,这类技术的广泛应用正在引发一场传统金融业内的剧烈变革。受制于高资本消耗、高信贷投放、高成本运营商业银行已逐渐发现,可以通过借力金融科技捕捉发展的契机
物理网点支点作用递减   借助科技转型势在必行
眼下,互联网金融的迅速发展以及业态的逐步完善,对传统银行业带来较大冲击。一方面银行传统的以存贷差为主的盈利模式受到影响,各类线上理财直接存款予以分流同时挤占了大量小微企业的贷款额度;另一方面中间业务的优势同样在与互联网金融企业的竞争中不再明显。
此外,电子银行为代表的移动端业务迅速发展,进一步引发了银行柜台业务的放缓甚至下滑。据《中国银行业发展报告(2017)》数据显示,2016年银行业金融机构离柜交易达1777.14亿笔,同比增长63.68%,交易金额达到1522.54万亿元行业平均离柜率达到84.31%。而随着移动互联趋势的逐步加剧,移动端业务的份额势必持续加大,这无形中导致物理网点业务的逐渐减少,单体网点贡献的利润率逐渐降低相比之下,传统银行之于金融科技类人才的需求持续提升
传统银行尤其是中小银行通过布局和并轨金融科技成为把握机遇与应对挑战的完全之策。
直销银行渐成中小银行发展突破口
作为“舶来品”的直销银行,发源于20世纪90年代末的欧美地区。我国的直销银行则兴起于2014年,是商业银行在互联网金融领域的尝试。虽起步较晚,但发展迅速。目前,国内设立独立直销银行客户端的中小银行的数量已达到百余家,截至2016年末,国内直销银行资产管理规模已超过6000亿元。
中小银行早已将直销银行定位为提升管理效率、优化服务质量、降低服务成本、探索全新金融风控机制以及实现精准营销的关键利器。
业内人士分析,随着界面友好度、使用便利性、产品丰富性、功能完善性等方面的不断优化与提升,直销银行将在未来推动传统银行业务大发展发面发挥更大的作用。
控体系亟待进行科技赋能
对于商业银行与中小银行而言,不良贷款率居高不下始终是高悬头顶的达摩克利斯之剑。银监会官网公布三季度商业银行主要监管指标情况显示,截至2017年三季度末,中国商业银行不良贷款余额为1.67万亿元,不良贷款率1.74%。控制资产质量、防范金融风险、守住不发生系统性风险之底线是银行业的首要任务。
然而,对于中小银行而言,数据匮乏、风控决策机制的缺位、线下人工管理流程的繁琐却是普遍存在的问题。流程复杂、数据不全、审批低效、监控延迟无一不是导致中小银行风险管理水平不高的原因。
有鉴于此,今年以来,传统银行面对科技创新带来的颠覆性变革,纷纷加快转型步伐。中小银行开始意识到借助金融科技的力量提升产品定价、资源配置、数据安全和风险管理能力,正持续加大自身科技能力投入力度。
Bank3.0时代:中小银行顺势才能求生
金融科技对银行的影响无疑是颠覆性的在经历了分别以实体网点、网银为核心的1.0和2.0时代之后,银行3.0时代已然到来。在《Bank3.0》一书中,作者Brett King曾预言,“未来的银行将不再是一个地方,而是一种行为”。3.0时代的银行将构成一个无处不在的服务环境,以人为核心提供不依赖物理设施的虚拟服务。届时,消费者将可享有一种更加实时、按需、全在线、自助服务和社交化的极致互动体验。
提及以人为核心,不难发现掌握了基础账户的商业银行仍有极大的发展潜力,如果能真正提高自身数字化竞争能力,实实在在加大科技投入、改进用户体验,就能凭借账户管理优势在未来竞争中赢得主动。
着眼当前,将金融科技成果和运营管理经验输送给中小银行,助力全国中小银行拥抱金融科技就显得尤为迫切在这一点上,一些机构相关领域已然开始了具体行动。
据悉,在深圳市金融办的指导下,中国平安集团联合各中小银行共同发起成立中小银行互联网金融(深圳)联盟,该联盟由平安金融壹账通具体承办。联盟将通过在渠道、产品、客户、品牌等方面的资源共享、优势互补,以及平安金融壹账通的战略赋能和科技加持,帮助中小银行降低中小银行经营风险和运营成本提升效率,打造核心竞争力。作为支持中小微企业和普惠金融的重要力量,中小银行互联网金融联盟的成立有助于获得差异化扶持政策和加强与其他机构的合作以及争取相关部门的支持,从而为中小银行发展赢得更广阔的空间。

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