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抱团合作 共谋发展 中国平安发起成立中小银行互联网金融(深圳)联盟

2017-12-7 11:12| 发布者: admin| 查看: 9193| 评论: 48

12月6日,“中小银行互联网金融(深圳)联盟”(Internet Finance Association of Small and Medium-sized Banks,简称IFAB,下称“联盟”)在深圳召开联盟成立大会。目前该联盟会员银行已达230余家,资产总规模已超过35万亿元,是国内规模最大、会员数量最多的中小银行金融科技联盟。

中小银行拥有丰富区域优势和本地特色资源,也是服务实体经济、特别是服务小微和三农的主力军,但由于人才、科技和资源有限,金融科技始终是中小银行发展的短板。如何通过科技转型升级,创新服务实体经济发展,充分地发挥其“小而美”的特色优势,成为时代的命题、发展的课题。在此情形下,加强开放合作、联合共享已是必然选择,旨在促进中小银行优势互补、抱团发展、协同发展、互惠共赢的联盟,就此应运而生。

联盟理事长、中国平安集团资深副董事长孙建一在成立大会上表示,联盟秉承开放、平等、合作、共赢的原则,力争成为合作内容最广泛、合作成果丰富的银行金融科技合作平台,引领中小银行新金融科技潮流,推动新金融时代联盟会员转型升级,从而助力普惠金融、小微金融、农村金融与实体经济的发展。

联盟是在深圳市金融办的指导下,由中国平安集团联合各中小银行共同发起,上海壹账通金融科技有限公司承办的,于2017年8月31日在深圳市社会组织管理局完成正式注册登记。

搭建合作平台 协同共赢

联盟的首要任务是为会员银行搭建起一个技术交流、合作开发的平台,使联盟成员之间充分开展经验交流、学习培训,并共同进行产品和服务的开发;核心任务是以金融科技应用为支撑,在渠道、产品、客户、品牌等方面实现成员间资源共享,促进会员银行全面提升经营管理能力,达成更高的经营目标;最终任务则是要形成一个联合创新的合作大平台,应用新技术研发新产品新业务,帮助单个银行突破能力的限制,借助外脑、外力实现科技提升和金融创新,实现转型发展。

为此,联盟成立了六大委员会,在金融科技领域全方位推动中小银行的快速转型。六大委员会分别是:战略管理委员会、移动互联委员会、同业业务委员会、风险控制委员会、小微企业委员会、金融科技委员会。各大委员会在联盟筹办期间已举办了30多场金融科技主题活动和论坛,参加的银行达到1000多家次,人员超过2000人次,并已为会员银行带来了实际成效,多个项目正在落地。

战略管理委员会。针对中小银行战略转型顶层研究规划设计的需要,联盟战略管理委员将通过战略规划、战略咨询、战略论坛和战略培训等方式为会员银行制定差异化的战略规划 ,探索会员间联合项目及实施路径,并提供成功经验案例,以此协助会员银行应对外部形势瞬息万变的新金融时代,推动企业内部变革与创新。2017年联盟战略管理委员会共举办了两场董事长、行长高端闭门研讨会,就新形势下中小银行如何通过金融科技实现转型升级进行探讨,会议达成一致共识,决定成立联盟战略研究院,会议还讨论形成了《2017年中小银行金融科技研究报告》框架雏形。

移动互联委员会。针对中小银行零售转型的需要,联盟移动互联委员会携手中小银行搭建开放平台,共同探索并提供从科技到业务的全方位零售解决方案,促进会员行实现新金融时代的O2O零售转型。根据中小银行零售业务占比较小的痛点,联盟正在协助会员银行广泛应用生物识别技术产品,建立商城互通、积分互换的线上金融生态圈,打造低客制化成本的移动智能零售银行。联盟移动互联委员会2017年共举办了两场移动互联专题培训,围绕传统银行数字化改造、打造全新的智能银行和建立非银行+银行的金融生态圈三大关键策略,培养中小银行线上银行业务运营能力。

同业业务委员会。针对中小银行资产资金业务互通线上化的需要,联盟同业业务委员会联合中小银行共同搭建广泛使用区块链新技术创新应用的交易服务平台,努力为中小银行提供一站式的资产负债交换服务。联盟正在联合中原银行,共同打造全国第一家区块链+流动性互助系统,助力中小银行防范区域性流动性风险,加强流动性互助管理。

风险控制委员会。针对金融行业信息碎片化、流程线上化,迫切需要建立新风控体系的趋势,联盟风险控制委员会基于区块链技术和大数据创建信用护照,将在联盟内共建信用联邦,会员通过机构客户端调阅验证客户信息,无需建立或对接系统,并可实时查询更新黑灰名单记录,有效防范欺诈,促进会员银行建立新信贷风控模型。联盟风险控制委员会联合杭州银行举办风险控制专题培训,参会银行均表示要借助联盟风险控制委员会,共同打造“信用联邦”,联防联控,实现发展与共赢。

小微企业委员会。针对银行提升拓展中小企业融资能力的迫切需要,联盟小微企业委员会应用区块链技术,搭建了小微企业的大数据风控模型+客户画像+智能决策引擎等可视化审批平台,可以为会员银行提供一揽子贷前、贷中、贷后服务。联盟小微企业委员会联合哈尔滨银行,举办小微业务专题培训,针对当下小微业务痛点提出了具体解决思路:依托大数据,打造贷款引流渠道与金融机构的融资桥梁,帮助中小银行引流并提供风险评价服务。

金融科技委员会。针对各合作银行科技能力弱、创新不足的问题,联盟金融科技委员会牵头研究区块链、云技术、大数据等最新金融科技在中小银行的应用,共建“科技联盟云”,与会员展开合作开发,让会员共同享受金融科技的创新带来业务增长。联盟金融科技委员会联合贵阳银行举办区块链专题培训与研讨,区块链专家为中小银行深入浅出讲解区块链核心技术、在小微企业金融服务云平台和同业交易中的应用等,区块链技术有望很快在会员银行落地。

“六大委员会将践行联盟‘协同发展、互惠共赢’的宗旨,各司其职,有效地联合各会员银行,将创新的力量聚集到一处,在理念上形成共识、行动上步调一致、组织上运作规范,为中小银行的转型之路释放潜力、增添动力、激发活力。”联盟监事长、深圳农商行行长袁捷表示。 

遵循六互方针 务实合作

联盟将以“技术交流、平台共享、合作开发、共同创新”的模式,实现会员间在金融科技领域进行深度合作、共同运营,推进会员行联合打造智能销售、智能风控、智能产品、智能运营、智能服务的全方位智能银行,助力会员银行提升收入、服务能力和竞争力,降低成本和风险。

联盟合作遵循六互方针,即互联、互通、互信、互认、互享、互助。其中互联互通指的是通过IMPACT(Information信息、Management管理、Product产品、Account账户、Capability能力、Technique技术)大联通,促进资源在不同地区中小银行之间优势互补、高效流动,助力银行互联互通,建立生机勃勃、群策群力的开放的移动互联生态圈。合作项目范围包括账户互通、积分互换、区域特色产品互通、联合营销、金融产品团购、智能生活服务、开放平台等。

互信互认指的是通过采用有效的认证认可手段及区块链底层技术,深化会员间合作,增进互信互认,促进会员间更大范围、更高水平、更深层次的务实合作,建立开放包容、求同存异、兼容并蓄的合作关系。合作项目涉及面签互认、共建风控模型、黑灰名单等领域。

互享互助则是指通过共享科技资源、产品资源、综合服务和管理能力,促进中小银行以较低的成本和风险实现高起点创新,建立平等相待、互享互助的伙伴关系。合作项目包括银团贷款、科技人才培养、联盟战略研究院、流动性互助机制等。

联盟执行副理事长兼秘书长、上海壹账通金融科技有限公司董事长兼CEO叶望春表示,中小银行互联网金融联盟,将全面认真贯彻十九大报告精神和要求,结合各会员银行的自身资源实力和优势,充分运用金融科技技术,提升会员银行服务实体和风险防范两大能力,更好地提升普惠金融服务能力,服务实体经济。


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I like to get my inspiration from really meaningful phrases said by truly great people like вI donвt know why we are here, but Iвm pretty sure it is not in order to enjoy ourselvesв, do you know where I can find thematic compiltaions of those?


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