差异化、个性化、创新性的金融产品服务将成主流
“互联网+”拉近银行与用户的距离
非接触支付交易、无卡办理业务、线上授信审批……随着技术进步和用户远程操作习惯的养成，金融服务领域的数字化特征愈加显著。近日，中国人民银行印发《金融科技发展规划(2022-2025年)》，明确提出以金融科技促进金融数字化转型的目标。专家表示，金融数字化转型不仅意味着金融机构自身业务运营的数字化，还要建立数字思维，更有效地引领产业变革，助力新经济发展。
重视发展“场景金融”
“以前只有我们上银行办业务，很少有银行职员上门服务。如今，在社区远程操作也有专人指导，开户之类的业务很快就能办妥。”北京市朝阳区金台里社区的李女士坦言，银行工作人员到居委会帮助办理公积金联名卡开户业务，让她“感觉良好”，便利体验折射出金融业数字化转型在经营模式上的变革方向。
专家指出，以前金融机构采取“等客上门”模式，但在客户越来越习惯在线操作、远程办理业务的当下，金融机构必须建立以客户为中心的服务理念，深入挖掘客户需求，不断扩展服务内容。场景化服务是实现这一目标的重要业务形态。
近年来，各大金融机构平台加速布局场景生态建设，力求通过科技赋能拉近与用户的距离。在消费金融领域，银联云闪付“一分钱”坐地铁、中国银行下午茶满减优惠等活动，受到人们的欢迎。在产业金融领域，“金融+科技+场景”的数字化建设成为主流，金融行业在智慧医疗、智慧教育、智慧出行等领域打造出多种新型生态圈。交通银行副行长钱斌认为，金融业要应需而变，由单一服务向综合服务转变，由金融服务向“金融+”行业服务转型。
重视“场景金融”的发展，以场景应用为基础，利用金融科技拓展金融业边界，有利于金融主体在“破圈”中创新。业内人士分析称，差异化、个性化、创新性的金融产品和服务将成为主流，对小微企业来说，这意味着能够获得更加适配的金融服务解决方案。
发挥数据要素潜能
When it comes to digitization, data and technology are the two core drivers.
For the financial industry, highlighting the governance and application of data on the basis of technology application is the proper meaning of digital transformation.
Experts believe that data, as a new factor of production in the context of the digital economy, contains the "code" of market demand and industrial development direction.
Therefore, mining the value of data is a key step for the financial industry to grasp the opportunities of digital transformation.
Industry insiders pointed out that the financial industry plays a central role in economic operation, and data from telecommunications, e-commerce, medical care, travel, education and other industries can be easily obtained. By upgrading the cognition of data from "resource tools" to "factors of production" and fully releasing the value of data, it can better exert its own advantages and let this "living water" circulate to all walks of life in the national economy.
Digital transformation has brought various innovations to the financial industry in terms of technological foundations and business forms, while also creating multiple security challenges.
For example, the market-oriented circulation of data elements still has problems such as insufficient system rules and lack of self-discipline of application subjects.
Qian Bin believes that financial entities should build a "firewall" of the system in the process of digital transformation, and use data reasonably and legally in precision marketing, automated recommendation, information push and data cooperation.
Strengthen scientific and technological supervision capabilities
The integration and development of financial technology has made the boundaries between financial institutions and technology companies increasingly blurred. Supervision work such as personal information protection, regulation of online platform corporate financial activities, and financial technology ethics review must be unremittingly.
At present, balancing fintech innovation and preventing structural risks has become an important issue, and the "regulatory sandbox" is a beneficial result of the active exploration of financial regulators.
The so-called "regulatory sandbox" is to set up restrictive conditions and formulate risk control measures to build a supervised security testing area for financial entities, allowing them to test innovative products and services with real users in a real market environment and business model.
The concept originated in the United Kingdom and has been put into practice in China in recent years in the form of a fintech innovation regulatory pilot.
At the end of 2019, the central bank established Beijing as the first pilot city for financial technology innovation supervision; in March 2021, the China Securities Regulatory Commission took the lead in launching the capital market financial technology innovation pilot work in Beijing; not long ago, the capital financial technology innovation pilot (Beijing) special working group 16 pilot projects were launched, including the “e Netcom” of China Settlement, the innovation pilot of digital renminbi application scenarios in the securities industry, and the artificial intelligence-based monitoring system for abnormal transactions of single-account allocations.
Experts believe that the pilot project of financial technology innovation in the capital market fully reflects the advantages and characteristics of the Chinese version of the "regulatory sandbox".
A series of pilot projects applied to regulatory technology and compliance technology can better provide support for the regulatory financial industry.