21st Century Economic Herald Reporter Li Yue Beijing Report
On November 9th, guided by Southern Finance All Media Group, 21The 19th 21st Century Financial Annual Conference hosted by Century Economic Herald was held in Beijing.During the period, a closed -door seminar with the theme of "asking for the new direction of digital finance" was held.More than 10 digital finance people from the National Development Research Institute of Peking University, commercial banks, consumer finance companies, and fintech companies attended the meeting and spoke and exchanged.
The Central Financial Work Conference proposes to do "five major articles" such as digital finance, and "Guiding Opinions on the" Five Big Articles "of the Banking Insurance Industry" and other documentsWrite the "big article" for financial institutions to guide the direction of the "big article".
Digital transformation of commercial banks has gone through the development stage of Internet finance and fintech. In the current digital finance era, what is the direction of commercial banking business development models and product innovation?Sui Zengping, deputy general manager of the Ministry of Information and Technology of Dalian Bank, said at the closed -door seminar that the current business of commercial banks business is online and mobilized. Everyone can feel it. In the future, the business development direction of digital finance is intelligent.
"Online banking and mobile banking business are all cold pages. In the era of intelligence, customer online channel processing business will have digital assistance and explain the business.Or when the customer does not understand the business, the digital person explains. "Sui Zengping explained the difference between digital financial development business.
At the same time, digital people can also provide more personalized services.For ordinary customers, we can analyze the financial situation of customers in banks and do smart marketing. For high -end customers, service demand is relatively refined, and remote experts can be served.
In the era of digital finance, what products can commercial banks have?Sui Zengping believes that according to the different stages of customer development, different financial needs, commercial banks can provide customers with corresponding financial products.
