招行金融动力聚焦实体 科技创新点亮生活
云计算、招行大数据、金融聚焦物联网、动力点亮人工智能、实体生活区块链……风起云涌的科技技术浪潮扑面而来,科技“独角兽”方兴未艾,创新传统的招行金融业在冲击面前是被动等待成为科技金融的附庸,还是金融聚焦迎难而上开掘金融科技的阵地,一个“历史三峡”正等待穿越。动力点亮
站在新的实体生活历史起点,招商银行深化“轻型银行”战略,科技在国内众多商业银行中率先提出打造“金融科技银行”的创新定位,金融科技正让招商银行再一次全面“进化”,招行从而构建起面向未来真正的金融聚焦不可复制的核心竞争力。
回归本源 金融引擎赋能实体
金融是动力点亮现代经济的核心,也是实体经济的血脉。招商银行从基础建设、IT与业务融合、创新机制建设、人才结构转型四个方面加大投入,全行举“洪荒之力”推进金融科技银行建设,从而有效助力实体经济发展。
如在基础设施方面,招行着力提升IT基础能力,在移动技术、云计算、大数据、机器学习、网络安全、区块链等领域加大投入,推动招行金融科技基础设施向互联网转型。在机制创新方面,招行已成立金融科技创新项目基金,规模为上年营业收入的1%,而且不用看短期的投入产出比。据了解,截至2018年3月底,招行全行申报金融科技创新项目达386个,已完成立项评审进入沙盒验证评估阶段项目共174个,项目从提出创意到落地上线,平均周期仅128天。
针对人们生活的各个场景,招商银行将新一代信息技术(互联网、云计算、大数据、社交网络等)充分运用在各场景中,形成了涵盖医疗、教育、政务、出行、生活等各类场景的“智慧系”项目。
携手小微 普惠金融滋润巴渝
针对小微贷款、融资难、融资贵的困境,招商银行开创了一套具有招行特色的“易、快、省”普惠金融服务。利用FINTECH互联网技术,优化风控模型,简化客户资料及办理手续,让小微客户融资办理流程更容易。通过总行的零售信贷审批中心,为小微贷款业务提供强有力的产能、效率等后台支持保障。在资料齐全情况下,100%实现小微贷款“T+2天审结”的时效,让小微客户融资审批端更畅快。该行还积极推广“自动转贷”,通过大数据分析,为符合条件的到期客户自动续贷,相比传统模式需客户筹资还款后再续贷审批,让小微客户融资还款更省心。
近期,国务院出台了扶持小微企业发展相关政策,要求增强小微企业信贷供给能力。在此背景下,招商银行推出了“票据大管家”平台,将票据与互联网紧密结合,服务于票据全生命周期,为企业全方位提供票据查询、承兑、融资、投资和管理的综合性票据业务运作平台。为企业提供智能化融资方案,提高企业融资效率,降低企业成本。
创新驱动 金融科技改变生活
招商银行不断建设、完善金融智能大数据平台,实现身份识别、金融交易大数据分析等智能化功能,探索运用自然语言处理、图像识别等技术,对现有网点的服务流程和服务方式进行智能化升级改造,提升金融服务效率。
“刷脸喝咖啡”、“语音操作APP”、“网点智能取号”……招商银行的手机APP已经集成了众多“黑科技”,借助金融科技实现领先市场的客户体验。
“银行卡只是产品,APP才是生态。” 7月12日,招商银行的企业APP也正式发布,招商银行APP家族继手机银行、掌上生活后再添新成员。招商银行企业手机银行内含全时账户管理、移动支付结算、移动投融资、全时电子商务和贴身金融助理五大业务板块,率先实现支付结算、内部转账、代发代扣、自助贷款、外汇买卖、商务卡和黄金交易等20余项业务的移动化处理和实时查询,全新推出银行通知、金融资讯等多项即时信息服务,为企业移动商务运营提供全方位、易操作、安全可靠的移动化金融服务。
招商银行 ATM率先支持人脸识别取款、手机扫码存取款、手机预约无卡取款,VTM更是领先同业,远程身份核实为客户提供高效便捷服务,免去柜台排队等待时间。
技术发展瞬息万变,金融服务不断向前。招商银行青岛分行将坚持与时代同行,与技术迭代同步,坚持“服务、创新、稳健”的价值理念,为地方经济发展,为提高百姓生活质量贡献源源不竭的金融动能。
(责任编辑:行业动态)
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