How should commercial banks develop Inclusive Finance wharfedale

Commercial banks should develop inclusive financial Sina Financial opinion leader (WeChat public number kopleader) columnist Dong Ximiao in the development of Inclusive Finance, commercial banks also need to face commercial sustainability and other issues. How to realize sustainable development of commercial finance is a worldwide problem. Inclusive Finance has a strong policy, social, but if the profit and cost and risk does not match, financial unsustainable, and ultimately may be just a flash in the pan. How to develop Inclusive Finance in commercial banks recently held G20 Hangzhou summit, digital Inclusive Finance has become one of the hot topics discussed at the summit. G20 member countries have thoroughly explored and formed the first international common program in the field of finance, "G20 digital inclusive financial advanced principles". Digital Inclusive Finance aims to promote the development of Inclusive Finance using digital technology, using digital means to enhance the financial service efficiency and service range, through the mobile Internet, mobile payment, network and communications services, mobile data, cloud computing and other digital means to reduce financing costs, improve financing efficiency, expand investment and financing channels, based on the requirements of equal opportunities and the principles of sustainable business, to the degree of risk control and cost burden, let more people enjoy the fruits of finance development. In January 2016, the State Council announced the promotion of inclusive financial development plan (2016 – 2020), inclusive finance rose to the national strategy, and digital technology for Inclusive Finance Development wings. In the digital development of inclusive financial tide, as the mainstay of China’s financial industry, banking industry adhering to the "customer centered" concept, seize the opportunity, take advantage of, make full use of digital means to promote the development of Inclusive Finance, and to achieve their own transformation and change in the process. For a long time, commercial banks adhere to Inclusive Finance as an important direction of efforts, in the channels, products and services and other aspects of a lot of exploration and innovation. For example, additional agency community branches, small micro branches and self-service banking outlets, convenience of the public, the villagers access; bank card based retail payment system, as migrant workers send money home through electronic remittance channels; the implementation of bank card ATM services to help farmers in the village, shops, health service station installation of the POS machine, in the local villagers can withdrawals and consumption; innovative way of collateral, and the "three rural" for small and micro credit products tailored to help the breakthrough "bottleneck, mortgage difficult; to explore Small and micro businesses liquidity loan payment, to provide on-site services, effectively improve the Small and micro businesses the coverage of financial services and service efficiency. In addition, commercial banks through the mobile Internet and other applications in the financial sector, from technology to achieve a new breakthrough in inclusive finance. The introduction and development of Internet banking, telephone banking, mobile phone bank, WeChat bank, make full use of the characteristics of the network financial threshold is low, low cost, high efficiency, wide coverage, to make up for the lack of traditional financial services and the lack of promotion of traditional financial industry to service small and micro enterprises and low-income persons financial services. Especially in recent years, commercial banks will increase Inclusive Finance to war

商业银行应如何发展普惠金融   文 新浪财经意见领袖(微信公众号kopleader)专栏作家 董希淼   在发展普惠金融方面,商业银行还需要面对商业可持续等问题。普惠金融如何实现商业可持续发展,是一个世界性难题。普惠金融具有较强的政策性、社会性,但如果盈利与成本和风险不匹配,财务上不可持续,最终也可能只是昙花一现。 商业银行应如何发展普惠金融   在前不久举行的G20杭州峰会上,数字普惠金融成为峰会讨论的热点议题之一。G20各成员国深入探讨,形成了金融领域首个国际性共同纲领《G20数字普惠金融高级原则》。   数字普惠金融旨在利用数字技术推动普惠金融发展,借助数字化手段提升金融的服务效率和服务范围,通过移动互联、移动支付、网络和通信服务、移动数据、云计算等数字化手段降低投融资成本、提高投融资效率、拓宽投融资渠道,立足机会平等要求和商业可持续原则,以可控的风险程度和可负担的成本,让更多的人享受金融发展的成果。   2016年1月,国务院公布《推进普惠金融发展规划(2016—2020年)》,普惠金融上升为国家战略,而数字化技术为普惠金融的发展插上翅膀。在数字普惠金融发展的浪潮中,作为我国金融业的中流砥柱,银行业秉承“以客户为中心”理念,抓住机遇,顺势而为,充分借助数字化手段推动普惠金融发展,并在这个过程实现自身的转型与变革。   长期以来,商业银行坚持将普惠金融作为重要的努力方向,在渠道、产品和服务等方面进行了不少的探索和创新。如,增设社区支行、小微支行、自助银行等机构网点,方便市民、村民的存取款;以银行卡为主的零售支付体系,为在外地打工的人汇钱回家打通了电子汇款通道;推行银行卡助农取款服务,在乡村小卖店、卫生服务站等安装POS机,村民在当地就可提现、消费;创新抵押担保方式,为小微、“三农”量身定做信贷产品,切实帮助其突破“抵押难”的瓶颈;探索小微企业流动资金贷款还款方式、提供上门服务等,有效提高对小微企业金融服务的覆盖面和服务效率。   此外,商业银行还通过移动互联网等在金融领域的应用,从技术上实现普惠金融的新突破。网上银行、电话银行、手机银行、微信银行的推出和发展,充分运用了网络金融门槛低、成本低、效率高、覆盖广等特点,弥补了传统金融服务的欠缺和不足,提升了对以往传统金融业难以服务好的中小微企业和中低收入者的金融服务。   特别是近年来,商业银行将普惠金融上升到战略层面进行部署和实施,努力探索普惠金融的政策性、社会性与商业银行盈利性的有机结合。从实践看,中国工商银行、招商银行、浦发银行、恒丰银行、浙商银行等在数字普惠金融方面初步形成了特色与优势:   作为国内规模最大的商业银行,中国工商银行着力推进互联网+普惠金融的服务模式。现有融e联、融e购、融e行三大平台,加上网络融资中心构成了e-ICBC 2.0的发展战略。其网络融资中心推出的“网贷通”,近2015年就向近3万小微企业发放网络融资3400亿元,是国内单一产品规模最大的网络融资产品,工商银行也成为国内最大的网络融资银行。   招商银行则依托零售业务的传统优势,进一步加强互联网技术研发、大数据管理与客群基础管理,致力于打造老百姓身边的普惠金融银行。如“闪电贷”基于大数据和云计算风控应用,通过数据整合和应用,对零售客户进行精准定位,为客户实现全线上全自助贷款。浦发银行倾力打造“SPDB+”(浦银在线)互联网金融服务平台,围绕“打造一个平台、服务三类客群、构建三种服务模式、形成三个产品特色”,将自身服务模式与“互联网+”时代进步的要求相契合,为客户创造更多价值。   而近年来迅速崛起的恒丰银行,以做知识和科技的传播者、渠道和平台的建设者、金融综合解决方案的提供者为目标,制定了数字化银行发展战略和金融云建设项目规划,基于金融云技术,构建金融云数据中心智能运维平台和金融行业云。目前,该行已推出包括金融云、大数据、流程银行、智慧网点、信贷工厂等一批颇具特色的金融科技创新产品。   作为唯一总部在浙江的全国性银行,浙商银行继公司业务“池化”融资模式创新之后,在个人财富管理业务方面推出了增金财富池、理财产品转让平台等互联网与普惠金融相结合的一系列的创新产品和服务。如“增金财富池”将客户持有的资产构建成为“资产池”,通过池化质押,为客户提供兼具高收益与流动性的产品和服务。   与传统的金融业务相比,商业银行数字普惠金融在业务模式方面更加注重轻型化发展,无论是从人力、网点,还是从资本、风控等方面,数字普惠金融更加重视客户体验,强调金融服务的安全、高效、协同和低成本,并坚持支持“小微”、服务“三农”、支持“双创”的导向,以金融云、大数据为重要的战略资产,通过资源整合,控风险、增效益,努力为社会各阶层和群体提供一站式、全方位的综合金融服务。   当然,在发展普惠金融方面,商业银行还需要面对商业可持续等问题。普惠金融如何实现商业可持续发展,是一个世界性难题。普惠金融具有较强的政策性、社会性,但如果盈利与成本和风险不匹配,财务上不可持续,最终也可能只是昙花一现。   数字化技术与手段,有助于将普惠金融服务标准化、批量化,降低运营成本,一定程度上提高其商业可持续性。此外,还需要政府完善普惠金融的“顶层设计”:建立普惠金融评价指标,对积极开展普惠金融服务给予一定的税收优惠;建立政府主导的小微信贷担保体系,改善普惠金融风险补偿环境;完善普惠金融基础设施和基础制度,构建农村征信体系,提升农村信用基础水平等。   数字普惠金融,商业银行一直在努力。   (本文作者介绍:中国人民大学重阳金融研究院客座研究员,近著《有趣的金融》。)相关的主题文章: