Wang Bing Talks About The Key Point Of Doing A Good Job Of Internet Finance

< p > "-2014 Forum on innovation finance forum of people's financial annual meeting" was held in the afternoon of June 19th.

"A href=" //www.sjfzxm.com "GB" /a "Vice President Wang Bing said that banks should take an active part in Internet finance. There are three main points: one is to do well in products, the other is to make good cooperation.

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< p > < strong > below is Wang Bing's statement: < /strong > < /p >

< p > just now Cao president has fully expounded the influence and demand of Internet Finance and Internet innovation on banks. I will briefly report on our understanding of Internet finance.

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< p > in fact, Internet banking, if traced back to the source, from the traditional electronic bank, in fact, the bank has electronic banking for more than ten years. At that time, e-banking was actually a kind of bank on the Internet, but no one called it Internet finance at that time.

In the past one or two years, we began to stir up internet banking. I believe that Internet banking and the original electronic banks, the original e-banking is indeed a channel for the banking business to get the Internet.

So, in essence, it is traditional finance.

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< p > > a href= "//www.sjfzxm.com/news/index_c.asp" > Internet Finance < /a >, maybe the iconic thing should be the balance treasure, the balance treasure actually was born on the Internet of a pure finance.

I think Cao has also said that there is no definite definition of Internet finance.

Personally, I think it has several characteristics.

Internet banking should be grassroots finance. It should be experience finance. It should be big data finance.

I think this should be a few characteristics of Internet finance.

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< p > grassroots finance, as we all have said, is characterized by low entry threshold and low cost, but large scale, from the bank, or the financial industry, depends on the scale to get profits.

Entry threshold is low, so there are many participants, so it is a grass-roots finance.

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< p > another, experience finance.

Internet Finance emphasizes the experience of a customer.

It can be said that many of the traditional finance is inseparable from us as a person, Internet finance, we do not have it, at least now can be.

How you can get customers, how you can stick to customers, rely on a very important point is to experience the supremacy, to experience particularly good.

So, I say that an important feature of Internet finance is experience finance.

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< p > third characteristics, big data finance.

This meaning, traditional finance, our cost, for example, we do customer loans, to do on-site investigation and so on a series of things, in the era of Internet finance, if we still do that way, first, the cost is high, second, you can not work, because the Internet has great characteristics, many times do not see the customer, not to face to face, let alone do on-site investigation, this time the advantage of big data, we can improve the understanding of our customers through big data mining, and we can also improve the banking model through big data, etc., with big data technology, we can use the big data technology to meet our demand for expanding business on the Internet in the small and micro, retail and Internet finance. Just now, chairman Cao talked about it.

So, I think Internet finance has three characteristics. This is what I think is grassroots finance, experience finance and big data finance.

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< p > Internet banking is more and more challenging for banks.

More for us is an opportunity, we should embrace Internet finance, we should actively participate in Internet finance.

How to do it? Simple, I think there are three sentences, one is to make good products, the first is to cooperate well, and the other is to make characteristics.

What is a good product? I just said grass roots finance, experience finance, big data finance.

Products should at least conform to these three, that is, banks do Internet finance products, first of all, you may want to meet the characteristics of grassroots finance, may be low threshold, low cost, facing a large number of customers, to experience the ultimate goal, and then use big data to use big data to do our foundation, so make this product out.

Second, we must cooperate well.

A product is made, in fact, it is more important to sell it, and how to sell it on the Internet. In fact, it is to have a client scale, to have a customer base, and how to have a customer base. I think we should cooperate with these partners who have a large number of customers on the Internet. Obviously, such as Internet companies, such as Ali, Taobao, such as Jingdong, they have a large number of customers. I think banks should actively cooperate with them.

Another example, for example, our carriers, telecom operators, have a large number of customer information, they have a large number of customer resources, and banks should cooperate with everyone. This cooperation is one of cooperation on products. First, if banks have the right Internet products, they can achieve drainage through mutual cooperation and achieve mutual support.

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< p > there is another characteristic. In the era of < a href= "//www.sjfzxm.com/news/index_s.asp" > big data < /a >, in fact, through cooperation, we can achieve this kind of data cooperation.

Although we are talking about big data, in fact, big data is actually divided into different data sets in different enterprises.

My data are not willing to give to others, other people's data are not willing to give me, or to achieve data sharing, and truly play the advantage of big data.

Third, we must make characteristics.

Last year, there was a balance of treasure. The banks were very frightened.

Learning is of course the first step, because the banks have their own characteristics. In the era of Internet, we must use Internet thinking and add our own characteristics to make our own products, so that we can truly compete.

Thank you.

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