"This year, People's Bank of China work conference will" steadily push forward interest rate 'two-track rail and a' perfect market-oriented interest rate formation, regulation and conduction mechanism "included in the annual key tasks. With the deepening of market-oriented interest rate reform, the prompting commercial banks from the traditional business model into the wisdom of the business model, changes need to occur from the liabilities and assets of the business model further, the balance sheet urgently faced with reconstruction. "financial One account management chairman and CEO Ye Wang Chun on April 26 held China digital banking Forum 2019 spring Forum delivered a speech, he pointed out, "we hope that through the financial One account through the Pan Peng world of science and technology-enabled, as members provide comprehensive benchmarking management, system implementation, knowledge sharing, wisdom, business services, help member companies in the development of high-quality, escort the digital transformation of the medium and small banks. "
The forum of "wisdom business bank escort high-quality development" as its theme, by the China (Hainan) Reform and Development Institute, Hainan Banking Association as a guide unit, small and medium banks Internet banking (Shenzhen) Union financial accounts through the One, Beijing Pan Peng world Technology Co., Ltd. jointly organized. Local Superintendent of Financial Institutions Hainan Chen Yang, president of the Hainan Provincial Banking Association, Industrial and Commercial Bank of China Hainan Branch, Finance Dr. Hu Ye, China (Hainan) Institute for Reform and Development Economic Research Institute Kuang Xianming, financial One account through chairman and CEO, vice president of small and medium banks Internet banking (Shenzhen) Union leaf Wang Chun, financial One posted on the Board of supervisors, small and medium banks Internet banking (Shenzhen) League Secretary General Wong Yun, the financial One account through investment in One account CEO, small and medium banks Internet banking director (Shenzhen) Union ALCO Huangshao Yu, Beijing world Technology Co., Ltd., Pan Peng, executive vice director Wang rhinoceros small and medium banks Internet banking (Shenzhen) Union asset and liability management Committee, Accenture popular area of financial services business president Chen Wenhui Department, Executive Vice Secretary-General of small and medium banks Internet banking (Shenzhen) Jiang Li Jun and other coalition leaders and industry experts, small and medium banks from across the country's leadership, department heads and other assets and liabilities More than 200 guests attended the forum.
Technological transformation of small and medium banks are still at an early stage digital transition irreversible
By the small and medium banks Internet banking (Shenzhen) Union financial accounts through the One, Accenture co-authored "scientific and technological development of small and medium-banking financial research report" was published in the forum. Reports about the financial technology, small and medium banks construction present and future development strategy of the sort and explore. The report notes that small and medium banks in the financial technology background to face enormous challenges from the aspect of the market environment, regulatory environment, customer behavior, and other comprehensive relationship. Executive Vice Secretary-General of small and medium banks Internet banking (Shenzhen) Union military Jiang Li pointed out that after the Union of dozens of banks to conduct research, give an overall financial technology level rating overall score of 60.1 points, indicates that in the early stages of development. Small and medium banks increasing emphasis on strategy, was close to 70%, but the data is still very weak terms, 45% of the banks to establish a company-wide data management and control system, but only 14% achieve a high degree of data collaboration.
One of Supervisors through financial accounts, small and medium banks Internet banking (Shenzhen) League Secretary General in Wong Yun believes that the current development of intelligent small and medium banks is still inadequate, and in the urgent need to enhance data quality, lack of innovation, management innovation and change behind the change, continued inputs such as unsustainable, he has proposed the transformation process of small and medium banks should build three "characteristics Bank", that is more professional smart banks, more inclusive of the value of the bank, as well as more mobile immediacy bank. At the same time, he also stressed that the joint development, mutual benefit and win-win is necessary to choose the development of small and medium banks. The alliance will help small banks to raise the level of science and technology, enhance innovation ability to achieve strategic transformation initiative to deal with the challenges, enabling a full range of small and medium banks to help them reduce cost, reduce risk, improve customer service levels, improve the customer experience, improve customer management goal management capabilities.
Local Superintendent of Financial Institutions, Hainan Province, Chen Yang further pointed out in his speech, in which Bank of digital transformation process, financial technology will no longer be mere support function, is to experience more innovative business scenarios, the only constant temperature in order to improve service get more customers, the ultimate user experience will greatly increase your ROI. Small and medium banks want to seize the opportunity to build competitive advantage of market segments, the first key factor is talent, and secondly, small and medium banks the digital transformation of the main content is the transformation of core business systems, the ultimate end is the price on the business scene proposition, the future of innovation in business there are a lot of body mass space, including the wisdom of banking, financial supply chain, block chain scenarios, and so on.
President Hu Ye Hainan Province Banking Association at the meeting stressed that no matter how the development of financial technology, the digital nature of the bank is still the bank, thinking that we need to have to adapt to the development of the Internet and the use of science and technology transformation to adapt to the emerging Internet technology to guide the business model.
One financial accounts through the supply chain to build the financial community will be beneficial to banks to optimize the structure of assets and liabilities
At present, small and medium banks has three characteristics, namely the quantity, large total, but limited funds monomer; the second is deep regional customers, but regional business focused on high; Third, some small and medium banks return on capital is higher than the big banks, but capital constraints business development. One account through financial investment accounts through a CEO, director of small and medium banks Internet banking (Shenzhen) Union Asset Liability Management Committee Huangshao Yu believes these three feature means that small banks have the potential for large-scale development of supply chain finance business.
One financial accounts through to "1 + N", "+ chain circle" of integrated solutions help small and medium banks to obtain core business. Huangshao Yu introduced to small and medium banks for enabling supply chain finance business, financial account One pass from marketing to build a post-loan to cover the whole process chain of One enterprise platform. "One enterprise platform utilizes the world's leading chain block chain technology multi-layer penetration through electronic credit, credit can be split so that banks can get on the downstream multivendor real transaction information, dramatically increasing the potential customer base, improve risk control and reduce costs. "Meanwhile, the financial account through One also constructed ABS ecosystem, the whole process of the introduction of one-stop ALFA ABS intelligence platform with intelligent four, eight functional, fully optimized to help small and medium banks balance sheets and make the supply chain. Huangshao Yu introduced to the platform based on leading block chain technology, intelligent contracts capabilities, to meet diverse business scene mode, the platform function is perfect.
Huangshao Yu pointed out, participate in the construction supply chain financial community, for the bank to achieve four business value:
First, to better serve customers. Small and medium banks will be more greater ability to service the core business scale, while a large number of financial services to meet the needs of small and micro enterprises upstream and downstream;
Second is to enhance revenue. Supply chain asset quality earnings performance to support revenue growth in small and medium banks, become the Bank continued revenue growth;
Third, effective risk control. Small and medium banks by configuring supply chain assets, thereby improving credit risk assets involved in the supply chain through the financial community, as well as dispersion of regional industry concentration risk;
Fourth, optimize the structure of assets and liabilities. Effective way to help small and medium banks to improve loan portfolio, optimize the structure of assets and liabilities, to enhance the return on assets.
Construction of wisdom operating system to break the balance portfolio management challenges
Peng, general manager of Pan World Advisory Center Zheng Hongjie keynote speech at the conference, he believes that the macroeconomic down, interest rates merger wave of financial technology to the commercial banks had a substantial impact, in order to enhance their commercial banks in this environment competitive advantage, we must take the relevant strategies to cope with. Business intelligence system will establish a clear commercial banks long-term strategic vision and planning, the establishment of multi-dimensional fine management framework, establish a scientific management accounting value of assets and liabilities and operating system. The business intelligence system through the use of scientific methods and management accounting of assets and liabilities, help banks to business resources, the three elements of risk information and analysis of multi-dimensional measurement science, agile strategic planning, decision making, control, evaluation of "the entire process." quantitative management, the purpose of the enterprise value of the gain.
The banks under the new situation how to balance portfolio management issue, Lai Peng, general manager of the Pan-East world asset and liability management lines proposed solutions, introduced to him, at present, in order to meet regulatory management objectives, the main post hoc analysis low line business engagement, policies difficult landing, assets and liabilities related to decentralized management system, data and product interoperability difficult to achieve and so is the existence of domestic commercial banks in the balance portfolio management issues. Building assets and liabilities portfolio management platform core should be four steps: First, sort data, and second, the unified asset management account book, the third is the root of the strategic objectives of decomposition, Fourth platform integration.
In addition, in response to the new changes in asset and liability management brought in response to the demands of the majority of members of the units, small and medium banks Internet banking (Shenzhen) original interbank business alliance committee was changed to Asset and Liability Management Committee, members of the unit to help meet the new challenges brought about by the merger of the interest rate to promote the development of high-quality members of the unit.
It is reported that ALCO is committed to building capital constraints, to create value-oriented asset and liability management system for the Alliance member. Expert Advisory Committee of Experts of the President of the China Institute for Reform and Development (Hainan), vice president of China Society of Economic Reform Chi Fulin, chairman of BOCI Research Limited, Doctor of Economics, Professor Cao Yuan Zheng, Ping An Bank assets and liabilities Director, General Manager ALM Pan Mei, general manager of the Bank of financial planning Department Zhupei Qing Ping, foreign banks risk control expert Xu Qing, the former Merchants Bank, the financial account through One senior adviser Lee and accounting central University of Finance Party secretary, China management accounting Research and development Center Executive Director Junyong, General Manager of Planning and Financial Department of Qilu Bank, rural Bank director Zhang Qiu Qilu high immortality, Boston consulting partner and managing director of Greater China, digital leadership consulting business partner Xu diligence, financial accounts through the One senior adviser Qu Wei Yan and other well-known experts, scholars, bankers, and each member of management to discuss the wisdom of leading practices, through the Forum, Sharon, benchmarking study, etc., bouncing ideas and exchange , the wisdom to lead the business development trend of China's banking sector, boost business Bank of high-quality development.