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          Developing Financial Science and Technology Exploring Smart Technology Transformation

          Hits:Updated:2018-06-19 09:06:38【Print】

          Unmanned Bank, DIY Bank, New Retail Bank... All types of smart banking outlets based on AI technology and big data analysis are gradually entering the field of vision, providing users with value-added services for online and offline scenarios. The major financial and scientific and technological strengths of major banks are displayed in a concentrated manner. At the same time, the speed of shutting down the traditional physical network points quietly accelerated.

          People in the industry believe that in the face of the impact of innovation in financial science and technology and the development of artificial intelligence, bank outlets still have irreplaceable parts. In the coming years, they will not be reduced in large scale, but will undergo structural adjustments. Currently, bank outlets are facing The diversification and professionalization of adjustments and transformations are imperative.
          "Pathfinder" intelligent upgrade

          In April this year, the Agricultural Bank of China launched the first domestic DIY DIY smart bank in Chongqing. In addition to financial products and services, customers can use the smart window to inquire about the surrounding commercial area map information, Chongqing specialty restaurant list, and the surrounding commercial areas. ABC’s various kinds of preferential activities and destination two-dimensional code navigation services; in April, China Construction Bank opened the first “unmanned bank” in the country, and customers need no counter operations for the whole process of business, and they only need to interact with smart devices to complete the business. process.

          At present, vigorously developing financial science and technology and exploring intelligent transformation have become the consensus of the banking industry. Intelligent machines such as robots and smart tellers continue to spread. “As long as customers bring along their documents, withdrawals, opening cards, printing water and other services can be performed on the machine. And our bank has a drainage assessment, will assess the lobby manager when there are more customers do not try to put people to the machine "The account manager of a stock company in Beijing said.

          Boston Consulting Group and China Development Research Foundation's "Replacement or Emancipation: The Impact of Artificial Intelligence on the Labor Market in the Financial Industry" recently pointed out that the future artificial intelligence will replace the core work of tellers, and will carry out business processing and cash transaction transactions. It is executed by a machine (such as a smart VTM); for a loan business, data mining technology and an intelligent analysis and processing model can help individual loan managers and risk appraisers to collect, evaluate, approve, and manage personal loan qualifications; In the customer segment, artificial intelligence can replace the artificial customer service and respond to the incoming demand of mass customers. It is expected that under steady development, by the year 2027, the banking industry will cut 1.04 million jobs, a decrease of 22%; the remaining 78% will increase its efficiency by 42%, equivalent to the time per person spent in the same functional activities. Reduced by 2.4 hours.

          In addition to upgrading outlets, the migration of services to mobile phones is also an important trend in bank transformation. Taking direct selling banks as an example, direct selling banks that are not based on physical outlets and physical counters are important experimental fields for major banks to explore financial technology and digital transformation. The 2017 China Direct Selling Bank Assessment and Innovation Analysis Report jointly issued by the China Banking Association and the Small and Medium Banks Internet Financial Alliance shows that as of the end of August 2017, there were a total of 105 banks that had established independent direct sales bank APP applications in China, and the direct sales A certain industry influence was generated. The awareness rate of users reached 80.7%, and the repurchase rate of users who had used direct sales banking business reached 60.1%.

          At the same time as banks sought to upgrade and transform, Internet banks such as Micron Public Bank and Internet Merchants Bank have rapidly emerged. Unlike traditional commercial banks, which have a large number of outlets for laying offline outlets and ATM machines, Internet banks do not open physical outlets and do not issue physical cards. All operations can be completed in the mobile terminal APP, and operations can be enhanced through mobile Internet, big data analysis, and other technologies. Efficiency and cost reduction.

          Obscured trend of traditional outlets
          With the bank's “Pathfinder” intelligent transformation and the continuous rise of online banking, user habits have changed and traditional bank outlets have been gradually deserted. When the reporter visited a state-owned Dahang branch a few days ago, an old man asked the manager of the hall: “The grandson gave me a mobile phone bank a few days ago. Can I buy money on the mobile phone?” Therefore, the lobby manager gave a positive reply and told the elderly that he can come to the bank only when the bank has activities.

          For a long time, the complicated procedures and waiting time for waiting in line are the main reasons for bank outlets to suffer criticism. With the rapid development of Internet third-party payment and online banking, the consumer behavior has changed. An account manager of a joint-stock bank in Beijing said: “Our network is ranked at 90 or so per day. According to my observation, most middle-aged and old people who buy and manage money are mostly customers. Most of them will not use mobile banking, or rely more on outlets, young people. Most outlets handle card opening."

          The change in user behavior has also been confirmed by data. According to data previously released by the China Banking Association, in 2017, banking financial institutions traded 260.044 billion transactions from counters, an increase of 46.33% year-on-year; transactions from counters amounted to 2010.67 trillion. The year-on-year increase was 32.06%; the average industry-wide turnover rate was 87.58%. At the same time, online banking transactions for the whole year of 2017 reached 117.172 billion pens, an increase of 37.86% year-on-year; the transaction amount was 1,725.38 billion yuan, an increase of 32.77% year-on-year.

          It is worth noting that the pace of physical network shutdowns has also accelerated in recent years. According to the statistics of the Bank of China Insurance Regulatory Commission's website financial license, as of June 11, 2018, there were 228,905 physical sites registered in the country. From June 12, 2016 to June 11, 2018, China's bank physical outlets totaled 4,664, including 1,223 in 2016, 2,540 in 2017, and 901 in 2018. In terms of newly establishing outlets, as of June 11, 2018, there were 3,463 banking outlets set up nationwide in the past year, which is higher than the number of bank outlets closed in the past year.

          Li Qilin, chief macro researcher of Lianxun Securities, said that although the number of banking abolition sites increased in the past year, the number of new outlets is also increasing. As a whole, the number of physical outlets of banks in China still shows an upward trend. However, since the growth rate began to slow down after 2018, it is too early to say that banks “closed the tide”. However, as of now, the trend in the number of outlets does exist in the future.

          With the continuous closure of physical networks, the reduction of bank personnel. In 2017, the total number of employees in the four state-owned banks decreased by 25,720. The trend of shutting down bank outlets is also evident from the sales of related equipment. Taking the ATM machine as an example, the 2017 financial report showed that the performances of the two leading ATM companies in China, namely China Radio Express and Yuyin, have experienced a significant decline. Royal Bank ATM sales revenue was approximately RMB 310 million, a decrease of 42.48% from the previous year and a decrease in profit of over 50%. Gaming Express ATM revenue in 2017 was RMB 1.62 billion, a decrease of nearly 30% year-on-year.

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