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巴曙松教授主持、于扬等主讲:用第四张报表评价银行数字化趋势

来源: 南方日报网络版     时间: 2019年05月23日 02:59:12
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哪里有龙虎和微信群平台直属招商最高㊖100返9♔诚招代理【微信QQ同步】860925559 腾讯分分彩,腾讯5分彩,腾讯10分彩,时时彩龙虎和,U米彩票代理,U米官网,U米平台注册,U米乐官网,U米娱乐官方网站。巴曙松教授主持、于扬等主讲:用第四张报表评价银行数字化趋势

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(  编)(者)(语)(:
  本)(工)(作)(笔)(记)(是)(由)(巴)(曙)(松)(教)(授)(发)(起)(的)(“全)(球)(市)(场)(与)(中)(国)(连)(线)(”第)(257期)(内)(部)(会)(议)(纪)(要)(,不)(代)(表)(任)(何)(机)(构)(的)(意)(见)(。本)(期)(会)(议)(由)(巴)(曙)(松)(教)(授)(主)(持)(,颜)(艳)(春)(先)(生)(主)(讲)(。今)(天)(我)(们)(看)(商)(业)(银)(行)(的)(互)(联)(网)(化)(已)(经)(做)(的)(比)(较)(完)(善)(,目)(前)(已)(基)(本)(形)(成)(“互)(联)(网)(渠)(道)(+互)(联)(网)(账)(户)(+互)(联)(网)(产)(品)(”的)(业)(务)(体)(系)(。那)(么)(银)(行)(的)(同)(仁)(们)(特)(别)(是)(管)(理)(层)(会)(有)(一)(个)(疑)(问)(就)(是)(我)(们)(花)(了)(这)(么)(多)(的)(精)(力)(、时)(间)(,投)(入)(很)(大)(,成)(效)(到)(底)(怎)(么)(样)(呢)(?在)(这)(方)(面)(易)(观)(提)(出)(了)(一)(个)(新)(的)(理)(念)(“第)(四)(张)(报)(表)(”,希)(望)(通)(过)(第)(四)(张)(报)(表)(来)(评)(估)(数)(字)(化)(的)(结)(果)(。本)(期)(报)(告)(由)(巴)(曙)(松)(教)(授)(和)(居)(姗)(博)(士)(共)(同)(整)(理)(,仅)(供)(内)(部)(参)(阅)(,请)(勿)(对)(外)(提)(供)(,未)(经)(书)(面)(同)(意)(,不)(得)(以)(任)(何)(形)(式)(摘)(录)(和)(发)(表)(。本)(纪)(要)(未)(经)(主)(讲)(嘉)(宾)(本)(人)(审)(阅)(。敬)(请)(阅)(读)(。
主)(持)(/巴)(曙)(松)(;主)(讲)(/于)(扬)((易)(观)(国)(际)(创)(始)(人)(、董)(事)(长)();马)(韬)((易)(观)(金)(融)(高)(级)(分)(析)(师)()
主)(讲)(人)(介)(绍)(
易)(观)(国)(际)(创)(始)(人)(、董)(事)(长)(于)(扬)(先)(生)(
易)(观)(金)(融)(高)(级)(分)(析)(师)(马)(韬)(先)(生)(
  会)(议)(纪)(要)(
一)(、商)(业)(银)(行)(数)(字)(化)(趋)(势)(
金)(融)(领)(域)(中)(数)(据)(的)(应)(用)(,通)(过)(数)(据)(来)(驱)(动)(业)(务)(成)(长)(已)(经)(非)(常)(普)(遍)(,而)(且)(金)(融)(行)(业)(也)(是)(应)(用)(数)(据)(相)(对)(比)(较)(深)(的)(行)(业)(。今)(天)(更)(关)(注)(的)(是)(围)(绕)(整)(个)(金)(融)(领)(域)(的)(数)(字)(化)(,其)(中)(选)(择)(了)(商)(业)(银)(行)(这)(个)(板)(块)(,来)(探)(讨)(商)(业)(银)(行)(的)(数)(字)(化)(和)(如)(何)(去)(评)(估)(数)(字)(化)(的)(结)(果)(和)(效)(果)(。在)(数)(字)(化)(的)(过)(程)(中)(大)(家)(普)(遍)(关)(注)(的)(是)(做)(了)(很)(多)(投)(入)(,结)(果)(到)(底)(怎)(么)(样)(?在)(这)(方)(面)(易)(观)(提)(出)(了)(一)(个)(新)(的)(理)(念)(“第)(四)(张)(报)(表)(”,希)(望)(通)(过)(第)(四)(张)(报)(表)(来)(评)(估)(数)(字)(化)(的)(结)(果)(。
商)(业)(银)(行)(在)(过)(去)(十)(年)(时)(间)(中)(对)(数)(字)(化)(的)(观)(念)(有)(个)(逐)(步)(转)(变)(的)(过)(程)(,最)(早)(的)(时)(候)(关)(心)(的)(是)(怎)(么)(把)(业)(务)(放)(到)(数)(字)(的)(渠)(道)(上)(,单)(纯)(的)(把)(互)(联)(网)(作)(为)(一)(个)(管)(道)(,后)(来)(认)(识)(到)(这)(是)(错)(的)(,应)(该)(把)(整)(个)(业)(务)(与)(互)(联)(网)(结)(合)(,换)(句)(话)(说)(,应)(该)(从)(一)(个)(数)(字)(化)(产)(品)(运)(营)(和)(数)(字)(化)(用)(户)(的)(角)(度)(来)(去)(思)(考)(和)(推)(进)(整)(个)(业)(务)(体)(系)(。今)(天)(我)(们)(看)(商)(业)(银)(行)(的)(互)(联)(网)(化)(已)(经)(做)(的)(比)(较)(完)(善)(,目)(前)(已)(基)(本)(形)(成)(“互)(联)(网)(渠)(道)(+互)(联)(网)(账)(户)(+互)(联)(网)(产)(品)(”的)(业)(务)(体)(系)(。那)(么)(银)(行)(的)(同)(仁)(们)(特)(别)(是)(管)(理)(层)(会)(有)(一)(个)(疑)(问)(就)(是)(我)(们)(花)(了)(这)(么)(多)(的)(精)(力)(、时)(间)(,投)(入)(很)(大)(,成)(效)(到)(底)(怎)(么)(样)(呢)(?
图)(1
商)(业)(银)(行)(数)(字)(化)(的)(定)(义)(,核)(心)(是)(建)(立)(以)(用)(户)(为)(中)(心)(的)(产)(品)(和)(服)(务)(体)(系)(,在)(运)(营)(数)(字)(用)(户)(资)(产)(的)(前)(提)(下)(实)(现)(平)(台)(生)(态)(化)(的)(业)(务)(升)(级)(。基)(于)(这)(样)(的)(定)(义)(来)(评)(估)(数)(字)(化)(的)(成)(效)(有)(时)(仍)(找)(不)(到)(好)(的)(工)(具)(,这)(里)(介)(绍)(下)(易)(观)(提)(出)(的)(第)(四)(张)(报)(表)(。
二)(、商)(业)(银)(行)(数)(字)(化)(成)(效)(评)(估)(
传)(统)(的)(财)(务)(数)(据)(是)(三)(张)(表)(:资)(产)(负)(债)(表)(、损)(益)(表)(、现)(金)(流)(,这)(三)(张)(表)(可)(以)(较)(好)(的)(判)(断)(企)(业)(的)(财)(务)(状)(况)(。这)(三)(张)(表)(虽)(然)(能)(够)(看)(到)(企)(业)(的)(历)(史)(沿)(革)(情)(况)(,但)(到)(底)(是)(由)(什)(么)(业)(务)(形)(成)(的)(,未)(来)(的)(业)(务)(又)(会)(怎)(样)(促)(进)(、影)(响)(这)(三)(张)(表)(,这)(些)(问)(题)(其)(实)(并)(不)(清)(楚)(,因)(此)(需)(要)(第)(四)(张)(报)(表)(,使)(用)(非)(财)(务)(数)(据)(与)(未)(来)(的)(财)(务)(数)(据)(建)(立)(一)(种)(关)(联)(。对)(此)(大)(家)(会)(有)(疑)(问)(,是)(否)(真)(的)(能)(够)(评)(价)(成)(效)(/价)(值)(,以)(及)(如)(何)(通)(过)(大)(数)(据)(与)(AI模)(型)(结)(合)(,据)(我)(们)(的)(接)(触)(和)(了)(解)(,事)(实)(上)(很)(多)(意)(识)(战)(略)(领)(先)(的)(银)(行)(已)(经)(开)(始)(进)(行)(第)(四)(张)(报)(表)(的)(制)(作)(。下)(面)(就)(介)(绍)(第)(四)(张)(报)(表)(包)(含)(哪)(些)(部)(分)(,以)(及)(如)(何)(对)(业)(务)(进)(行)(考)(量)(,从)(而)(影)(响)(未)(来)(的)(三)(张)(财)(务)(报)(表)(。
非)(财)(务)(数)(据)(有)(三)(个)(非)(常)(重)(要)(的)(指)(标)(,也)(是)(财)(务)(数)(据)(的)(领)(先)(指)(标)(。首)(先)(是)(用)(户)(,更)(多)(是)(从)(用)(户)(资)(产)(的)(角)(度)(去)(看)(问)(题)(,来)(讨)(论)(用)(户)(如)(何)(增)(值)(、保)(值)(。今)(天)(市)(场)(上)(有)(很)(多)(互)(联)(网)(公)(司)(和)(传)(统)(企)(业)(在)(进)(行)(互)(联)(网)(化)(转)(型)(,其)(中)(突)(出)(的)(腾)(讯)(和)(阿)(里)(,以)(腾)(讯)(为)(例)(,它)(的)(用)(户)(量)(很)(大)(,市)(场)(中)(也)(不)(乏)(此)(类)(用)(户)(量)(的)(公)(司)(,为)(什)(么)(腾)(讯)(的)(财)(务)(表)(现)(能)(够)(优)(于)(其)(他)(拥)(有)(类)(似)(用)(户)(规)(模)(的)(公)(司)(,这)(与)(用)(户)(资)(产)(的)(厚)(度)(是)(有)(关)(的)(。第)(二)(个)(指)(标)(是)(渠)(道)(,即)(如)(何)(去)(服)(务)(、覆)(盖)(用)(户)(,提)(供)(哪)(些)(手)(段)(,这)(不)(仅)(解)(决)(了)(用)(户)(是)(怎)(么)(来)(的)(,以)(及)(在)(用)(户)(的)(整)(个)(生)(命)(周)(期)(里)(怎)(样)(去)(留)(住)(与)(自)(身)(战)(略)(定)(位)(匹)(配)(的)(优)(质)(用)(户)(。第)(三)(个)(指)(标)(是)(产)(品)(,除)(了)(银)(行)(里)(传)(统)(的)(金)(融)(产)(品)(,也)(包)(括)(新)(的)(数)(字)(化)(产)(品)(,如)(网)(贷)(业)(务)(等)(。对)(于)(银)(行)(来)(说)(不)(是)(产)(品)(越)(多)(越)(好)(,而)(是)(基)(于)(自)(身)(的)(用)(户)(资)(产)(、匹)(配)(渠)(道)(,来)(看)(怎)(样)(的)(产)(品)(能)(够)(带)(来)(更)(好)(的)(投)(资)(回)(报)(。
下)(图)(介)(绍)(了)(在)(整)(个)(用)(户)(的)(生)(命)(周)(期)(中)(,基)(于)(自)(身)(的)(战)(略)(定)(位)(和)(竞)(争)(优)(势)(如)(何)(找)(到)(潜)(在)(的)(用)(户)(,如)(何)(激)(活)(、转)(化)(用)(户)(,以)(及)(转)(化)(之)(后)(能)(否)(提)(供)(全)(方)(位)(的)(产)(品)(和)(服)(务)(留)(住)(用)(户)(。就)(像)(产)(品)(有)(生)(命)(周)(期)(一)(样)(,用)(户)(也)(会)(有)(一)(个)(“生)(命)(周)(期)(”,可)(能)(随)(着)(他)(自)(己)(需)(求)(的)(变)(化)(会)(对)(某)(类)(产)(品)(或)(服)(务)(的)(需)(求)(下)(降)(,这)(时)(如)(何)(去)(延)(长)(“生)(命)(周)(期)(”,也)(有)(部)(分)(沉)(睡)(用)(户)(可)(能)(在)(相)(当)(长)(时)(间)(里)(没)(有)(合)(适)(他)(的)(产)(品)(,如)(何)(去)(唤)(醒)(和)(找)(回)(流)(失)(的)(高)(质)(量)(用)(户)(,这)(些)(都)(是)(生)(命)(周)(期)(管)(理)(需)(要)(考)(虑)(的)(重)(要)(部)(分)(。
图)(2用)(户)(生)(命)(周)(期)(数)(字)(化)(管)(理)(是)(数)(字)(化)(转)(型)(成)(效)(衡)(量)(的)(基)(础)(
2016年)(有)(个)(很)(流)(行)(的)(概)(念)(叫)(“互)(联)(网)(的)(下)(半)(场)(”,说)(到)(“下)(半)(场)(”就)(不)(得)(不)(提)(到)(互)(联)(网)(的)(“上)(半)(场)(”。互)(联)(网)(“上)(半)(场)(”里)(的)(一)(个)(核)(心)(关)(键)(词)(叫)(“增)(量)(”,增)(量)(的)(含)(义)(是)(大)(家)(基)(本)(还)(是)(在)(跑)(马)(圈)(地)(,彼)(此)(冲)(突)(不)(大)(,我)(的)(新)(增)(用)(户)(与)(你)(的)(新)(增)(用)(户)(撞)(车)(的)(可)(能)(性)(比)(较)(小)(,这)(是)(中)(国)(互)(联)(网)(从)(1998、1999年)(开)(始)(到)(2008、2009年)(金)(融)(危)(机)(前)(后)(一)(个)(重)(要)(的)(标)(志)(。到)(2010年)(以)(后)(,增)(量)(的)(红)(利)(开)(始)(慢)(慢)(下)(降)(。增)(量)(市)(场)(曾)(在)(很)(长)(一)(段)(时)(间)(内)(主)(导)(了)(市)(场)(的)(形)(态)(,增)(量)(市)(场)(也)(有)(三)(个)(关)(键)(词)(,第)(一)(个)(是)(价)(格)(,似)(乎)(只)(要)(一)(降)(价)(用)(户)(就)(过)(来)(了)(,所)(有)(的)(竞)(争)(、营)(销)(战)(略)(都)(不)(如)(降)(价)(能)(够)(影)(响)(到)(用)(户)(的)(选)(择)(;第)(二)(个)(是)(速)(度)(,很)(多)(互)(联)(网)(企)(业)(迅)(速)(的)(拿)(到)(大)(量)(的)(用)(户)(就)(是)(去)(拼)(速)(度)(;第)(三)(个)(关)(键)(词)(是)(模)(式)(,2010年)(前)(后)(很)(多)(行)(业)(出)(现)(一)(个)(模)(式)(之)(后)(会)(有)(大)(量)(的)(公)(司)(跟)(进)(,那)(时)(因)(为)(是)(增)(量)(的)(模)(式)(,可)(以)(容)(纳)(相)(似)(模)(式)(的)(公)(司)(进)(入)(,但)(这)(种)(情)(况)(近)(几)(年)(开)(始)(慢)(慢)(消)(失)(,市)(场)(逐)(渐)(进)(入)(下)(半)(场)(。
下)(半)(场)(的)(一)(个)(关)(键)(词)(是)(“存)(量)(”,存)(量)(市)(场)(中)(每)(增)(加)(的)(一)(个)(用)(户)(往)(往)(是)(从)(竞)(争)(对)(手)(手)(中)(拿)(过)(来)(的)(。存)(量)(市)(场)(也)(有)(三)(个)(关)(键)(词)(,与)(价)(格)(相)(对)(应)(的)(是)(品)(质)(,由)(于)(购)(买)(某)(类)(产)(品)(或)(服)(务)(的)(大)(多)(数)(用)(户)(都)(已)(经)(尝)(过)(鲜)(了)(,再)(进)(行)(选)(择)(时)(不)(仅)(仅)(是)(看)(价)(格)(,而)(是)(整)(个)(产)(品)(的)(服)(务)(和)(品)(质)(,是)(基)(于)(过)(去)(体)(验)(做)(出)(的)(选)(择)(;第)(二)(个)(关)(键)(词)(是)(耐)(力)(,有)(时)(能)(够)(发)(展)(壮)(大)(的)(不)(一)(定)(是)(第)(一)(拨)(企)(业)(,重)(要)(的)(是)(否)(能)(持)(续)(的)(运)(营)(;第)(三)(个)(关)(键)(词)(是)(技)(术)(,这)(里)(的)(技)(术)(是)(个)(更)(广)(泛)(的)(概)(念)(,无)(论)(是)(产)(品)(或)(服)(务)(的)(专)(利)(,还)(是)(在)(精)(细)(化)(运)(营)(中)(用)(到)(的)(大)(数)(据)(或)(AI等)(其)(他)(技)(术)(,粗)(放)(的)(仅)(靠)(模)(式)(拷)(贝)(进)(行)(资)(产)(保)(值)(增)(值)(的)(可)(能)(性)(已)(不)(存)(在)(,更)(重)(要)(的)(是)(如)(何)(用)(技)(术)(杠)(杆)(撬)(动)(整)(个)(生)(产)(效)(率)(的)(提)(高)(。对)(银)(行)(来)(说)(,这)(点)(感)(受)(更)(深)(,过)(去)(粗)(放)(的)(依)(赖)(存)(贷)(获)(取)(收)(益)(的)(日)(子)(已)(经)(不)(再)(,如)(何)(通)(过)(深)(度)(产)(品)(和)(用)(户)(的)(运)(营)(,提)(高)(生)(产)(效)(率)(来)(提)(升)(竞)(争)(力)(,通)(过)(新)(技)(术)(在)(不)(提)(价)(的)(前)(提)(下)(获)(取)(利)(润)(或)(是)(拥)(有)(更)(多)(的)(定)(价)(权)(已)(摆)(在)(眼)(前)(。
分)(析)(用)(户)(的)(生)(命)(周)(期)(是)(因)(为)(用)(户)(资)(产)(的)(运)(营)(是)(第)(四)(张)(报)(表)(的)(核)(心)(内)(容)(,也)(是)(商)(业)(银)(行)(零)(售)(业)(务)(的)(核)(心)(,只)(有)(真)(正)(把)(用)(户)(资)(产)(管)(好)(,才)(有)(可)(能)(通)(过)(用)(户)(资)(产)(的)(深)(度)(运)(营)(体)(现)(在)(企)(业)(的)(三)(张)(报)(表)(中)(。
三)(、商)(业)(银)(行)(互)(联)(网)(渠)(道)(现)(状)(和)(对)(三)(张)(报)(表)(的)(影)(响)(
商)(业)(银)(行)(从)(2010年)(开)(始)(在)(数)(字)(化)(转)(型)(方)(面)(有)(比)(较)(大)(的)(动)(作)(,很)(多)(指)(标)(上)(可)(以)(体)(现)(出)(来)(,特)(别)(是)(在)(平)(均)(离)(柜)(业)(务)(率)(上)(,根)(据)(央)(行)(的)(统)(计)(,2013年)(这)(个)(数)(字)(只)(有)(63.23%,到)(2016年)(这)(个)(数)(据)(已)(经)(达)(到)(84.31%。在)(这)(个)(过)(程)(中)(,可)(以)(看)(到)(从)(业)(务)(渠)(道)(线)(上)(化)(的)(迁)(移)(,到)(数)(字)(用)(户)(运)(营)(从)(线)(下)(到)(线)(上)(的)(迁)(移)(,在)(渠)(道)(上)(,可)(以)(看)(到)(基)(于)(渠)(道)(的)(多)(样)(化)(导)(致)(的)(离)(柜)(业)(务)(率)(的)(上)(升)(,从)(以)(往)(业)(务)(在)(手)(机)(银)(行)(和)(网)(上)(银)(行)(两)(个)(渠)(道)(,变)(为)(现)(在)(包)(括)(直)(销)(银)(行)(、微)(信)(等)(第)(三)(方)(渠)(道)(运)(营)(。每)(个)(渠)(道)(上)(,根)(据)(用)(户)(属)(性)(的)(不)(同)(,在)(整)(个)(运)(营)(体)(系)(中)(,不)(同)(渠)(道)(也)(担)(任)(了)(不)(同)(的)(角)(色)(。下)(面)(简)(要)(介)(绍)(目)(前)(各)(种)(渠)(道)(的)(现)(状)(和)(问)(题)(。
图)(32013年)(-2016年)(银)(行)(业)(平)(均)(离)(柜)(业)(务)(率)(
首)(先)(是)(手)(机)(银)(行)(,在)(移)(动)(互)(联)(网)(高)(速)(发)(展)(的)(背)(景)(下)(,目)(前)(商)(业)(银)(行)(数)(字)(用)(户)(最)(多)(的)(应)(用)(集)(中)(在)(手)(机)(银)(行)(,这)(也)(是)(银)(行)(做)(零)(售)(业)(务)(转)(型)(最)(为)(重)(要)(的)(渠)(道)(之)(一)(,这)(点)(从)(交)(易)(规)(模)(增)(长)(和)(手)(机)(银)(行)(活)(跃)(用)(户)(上)(都)(能)(看)(出)(。但)(同)(时)(要)(注)(意)(的)(是)(在)(整)(个)(渠)(道)(运)(营)(和)(数)(字)(运)(营)(的)(过)(程)(中)(,手)(机)(银)(行)(担)(任)(的)(角)(色)(是)(一)(个)(具)(体)(的)(流)(量)(入)(口)(还)(是)(一)(个)(服)(务)(渠)(道)(,目)(前)(来)(看)(,商)(业)(银)(行)(更)(多)(的)(还)(是)(作)(为)(一)(个)(服)(务)(渠)(道)(运)(营)(,在)(场)(景)(、用)(户)(体)(验)(、产)(品)(等)(方)(面)(存)(在)(的)(问)(题)(仍)(有)(待)(解)(决)(。说)(到)(手)(机)(银)(行)(,用)(户)(更)(多)(使)(用)(的)(是)(转)(账)(、理)(财)(功)(能)(,缺)(乏)(高)(频)(应)(用)(场)(景)(,用)(户)(打)(开)(率)(要)(远)(低)(于)(支)(付)(宝)(和)(微)(信)(,此)(外)(用)(户)(体)(验)(较)(差)(,使)(用)(过)(程)(中)(,无)(法)(登)(录)(、超)(时)(退)(出)(等)(问)(题)(频)(现)(,手)(机)(银)(行)(产)(品)(及)(服)(务)(往)(往)(大)(而)(全)(,缺)(少)(高)(引)(流)(的)(拳)(头)(产)(品)(。
其)(次)(是)(直)(销)(银)(行)(。这)(是)(近)(两)(年)(商)(业)(银)(行)(非)(常)(关)(注)(的)(领)(域)(,也)(是)(互)(联)(网)(化)(投)(入)(资)(源)(比)(较)(大)(的)(领)(域)(,各)(家)(银)(行)(对)(直)(销)(银)(行)(的)(态)(度)(和)(定)(位)(都)(有)(所)(不)(同)(。从)(产)(品)(角)(度)(来)(说)(,直)(销)(银)(行)(更)(多)(的)(是)(在)(打)(造)(和)(线)(下)(相)(独)(立)(的)(银)(行)(主)(体)(,但)(同)(时)(又)(依)(托)(于)(母)(银)(行)(,在)(金)(融)(产)(品)(层)(面)(,国)(外)(的)(直)(销)(银)(行)(更)(多)(依)(靠)(产)(品)(少)(、薄)(利)(多)(销)(的)(模)(式)(,基)(于)(中)(国)(的)(监)(管)(体)(制)(,目)(前)(国)(内)(的)(直)(销)(银)(行)(更)(多)(的)(是)(依)(托)(自)(有)(产)(品)(和)(第)(三)(方)(服)(务)(来)(做)(用)(户)(的)(增)(值)(服)(务)(,很)(多)(自)(有)(金)(融)(产)(品)(不)(能)(完)(全)(满)(足)(互)(联)(网)(用)(户)(的)(投)(资)(需)(求)(,缺)(乏)(门)(槛)(低)(、灵)(活)(性)(高)(且)(收)(益)(可)(观)(的)(理)(财)(产)(品)(和)(缺)(乏)(高)(分)(润)(的)(创)(新)(产)(品)(,这)(也)(倒)(逼)(直)(销)(银)(行)(去)(做)(创)(新)(业)(务)(的)(转)(型)(,比)(如)(开)(发)(和)(第)(三)(方)(企)(业)(合)(作)(的)(理)(财)(产)(品)(;从)(运)(营)(角)(度)(来)(说)(,目)(前)(直)(销)(银)(行)(更)(多)(的)(是)(靠)(母)(银)(行)(的)(品)(牌)(背)(书)(获)(得)(用)(户)(,缺)(乏)(高)(效)(的)(互)(联)(网)(获)(客)(渠)(道)(,银)(行)(单)(家)(体)(量)(有)(限)(,在)(平)(台)(合)(作)(上)(,难)(以)(实)(现)(规)(模)(效)(应)(,缺)(乏)(互)(联)(网)(运)(营)(方)(案)(和)(实)(施)(经)(验)(,ROI低)(,获)(客)(/交)(易)(成)(本)(高)(;从)(服)(务)(角)(度)(来)(说)(,与)(国)(外)(直)(销)(银)(行)(不)(同)(,国)(内)(直)(销)(银)(行)(在)(理)(财)(和)(支)(付)(层)(面)(上)(更)(多)(是)(母)(银)(行)(线)(上)(银)(行)(的)(缩)(小)(版)(或)(优)(化)(版)(。
银)(行)(的)(数)(字)(化)(转)(型)(目)(前)(已)(经)(搭)(建)(了)(比)(较)(完)(整)(的)(体)(系)(,在)(产)(品)(端)(上)(主)(要)(还)(是)(集)(中)(于)(零)(售)(和)(小)(微)(企)(业)(,产)(品)(上)(主)(要)(集)(中)(于)(支)(付)(、理)(财)(和)(融)(资)(。在)(支)(付)(上)(,移)(动)(支)(付)(、扫)(码)(支)(付)(成)(为)(趋)(势)(的)(前)(提)(下)(,银)(行)(大)(力)(布)(局)(移)(动)(支)(付)(,同)(时)(,已)(有)(多)(家)(银)(行)(推)(出)(二)(维)(码)(支)(付)(产)(品)(或)(者)(以)(聚)(合)(支)(付)(的)(方)(式)(切)(入)(二)(维)(码)(支)(付)(市)(场)(,在)(整)(个)(数)(字)(化)(运)(营)(的)(过)(程)(中)(,支)(付)(不)(是)(利)(润)(的)(来)(源)(,而)(是)(重)(要)(的)(生)(态)(入)(口)(;理)(财)(方)(面)(,银)(行)(理)(财)(产)(品)(已)(实)(现)(在)(网)(上)(银)(行)(、手)(机)(银)(行)(、直)(销)(银)(行)(、电)(商)(平)(台)(等)(互)(联)(网)(渠)(道)(销)(售)(,部)(分)(银)(行)(理)(财)(产)(品)(互)(联)(网)(渠)(道)(销)(售)(占)(比)(在)(80%以)(上)(;融)(资)(方)(面)(,银)(行)(网)(络)(融)(资)(产)(品)(以)(互)(联)(网)(消)(费)(金)(融)(和)(小)(微)(网)(络)(贷)(款)(为)(主)(,部)(分)(产)(品)(已)(实)(现)(全)(流)(程)(线)(上)(办)(理)(,但)(有)(些)(产)(品)(仅)(实)(现)(了)(贷)(款)(申)(请)(的)(线)(上)(化)(,贷)(款)(审)(批)(、签)(约)(等)(仍)(在)(线)(下)(完)(成)(。作)(为)(商)(业)(银)(行)(,更)(多)(是)(从)(风)(险)(角)(度)(考)(虑)(,而)(用)(户)(体)(验)(角)(度)(次)(之)(,因)(此)(数)(字)(技)(术)(可)(以)(有)(更)(多)(的)(优)(化)(,从)(而)(加)(速)(数)(字)(化)(转)(型)(的)(步)(伐)(。
从)(电)(子)(支)(付)(的)(数)(据)(可)(以)(看)(到)(,商)(业)(银)(行)(移)(动)(互)(联)(网)(化)(的)(步)(伐)(非)(常)(快)(。PC端)(的)(网)(上)(支)(付)(交)(易)(规)(模)(和)(增)(长)(率)(在)(2015年)(开)(始)(有)(一)(个)(下)(滑)(,这)(与)(移)(动)(互)(联)(网)(和)(网)(民)(的)(发)(展)(是)(强)(相)(关)(的)(。虽)(然)(网)(上)(支)(付)(规)(模)(达)(到)(2085万)(亿)(,而)(移)(动)(支)(付)(只)(有)(157.6万)(亿)(,从)(交)(易)(构)(成)(上)(来)(说)(,PC端)(的)(大)(量)(支)(付)(是)(由)(企)(业)(用)(户)(贡)(献)(,移)(动)(用)(户)(更)(多)(是)(由)(C端)(用)(户)(贡)(献)(,且)(移)(动)(支)(付)(45.6%的)(增)(长)(率)(远)(高)(于)(网)(上)(支)(付)(的)(3.3%。作)(为)(生)(态)(联)(动)(的)(入)(口)(,商)(业)(银)(行)(通)(过)(支)(付)(将)(个)(人)(、商)(户)(和)(其)(他)(合)(作)(伙)(伴)(联)(动)(起)(来)(,创)(造)(数)(据)(,用)(数)(据)(产)(生)(价)(值)(。
图)(4
消)(费)(金)(融)(也)(是)(商)(业)(银)(行)(非)(常)(重)(要)(的)(领)(域)(。与)(国)(外)(相)(比)(,国)(内)(消)(费)(金)(融)(的)(渗)(透)(率)(和)(交)(易)(规)(模)(都)(还)(有)(很)(大)(空)(间)(。近)(两)(年)(商)(业)(银)(行)(加)(强)(了)(消)(费)(金)(融)(的)(投)(入)(力)(度)(,在)(适)(用)(的)(客)(户)(上)(,基)(本)(还)(是)(本)(行)(的)(存)(量)(客)(户)(,在)(面)(签)(难)(关)(尚)(未)(突)(破)(的)(阶)(段)(下)(,银)(行)(线)(上)(贷)(款)(仍)(在)(存)(量)(客)(户)(范)(围)(内)(推)(进)(;从)(贷)(款)(额)(度)(上)(大)(多)(从)(千)(元)(起)(步)(,高)(则)(可)(达)(数)(百)(万)(元)(,远)(高)(于)(京)(东)(白)(条)(、阿)(里)(花)(呗)(等)(互)(联)(网)(平)(台)(的)(消)(费)(贷)(款)(额)(度)(;贷)(款)(利)(率)(整)(体)(较)(低)(,部)(分)(银)(行)(会)(根)(据)(客)(户)(的)(风)(险)(等)(级)(差)(异)(化)(定)(价)(并)(进)(行)(动)(态)(调)(整)(;风)(险)(控)(制)(上)(强)(调)(基)(于)(大)(数)(据)(与)(互)(联)(网)(技)(术)(进)(行)(风)(险)(管)(控)(,可)(以)(实)(现)(在)(线)(自)(动)(审)(批)(和)(放)(款)(。商)(业)(银)(行)(互)(联)(网)(消)(费)(贷)(款)(分)(为)(银)(行)(自)(建)(网)(络)(渠)(道)(贷)(款)(和)(与)(第)(三)(方)(合)(作)(贷)(款)(两)(种)(模)(式)(。目)(前)(,很)(多)(互)(联)(网)(消)(费)(贷)(款)(都)(仅)(仅)(是)(实)(现)(了)(贷)(款)(申)(请)(的)(线)(上)(迁)(移)(而)(已)(,在)(审)(批)(过)(程)(中)(,很)(多)(银)(行)(仍)(需)(要)(人)(工)(参)(与)(,仍)(需)(提)(升)(互)(联)(网)(融)(合)(度)(,实)(现)(全)(线)(上)(化)(。
图)(表)(:互)(联)(网)(消)(费)(贷)(款)(模)(式)(
在)(理)(财)(端)(,越)(来)(越)(多)(的)(商)(业)(银)(行)(在)(产)(品)(销)(售)(和)(用)(户)(运)(营)(上)(越)(来)(越)(开)(放)(和)(多)(元)(,很)(多)(理)(财)(销)(售)(模)(式)(与)(以)(往)(有)(很)(多)(不)(同)(,夜)(市)(理)(财)(、线)(上)(团)(购)(、理)(财)(在)(线)(咨)(询)(及)(理)(财)(资)(讯)(支)(持)(等)(销)(售)(模)(式)(频)(频)(出)(现)(,这)(些)(销)(售)(模)(式)(能)(够)(有)(效)(提)(升)(用)(户)(对)(产)(品)(的)(关)(注)(度)(。线)(上)(的)(销)(售)(支)(持)(上)(,现)(在)(有)(很)(多)(的)(在)(线)(咨)(询)(包)(括)(智)(能)(理)(财)(、智)(能)(投)(顾)(等)(方)(式)(去)(引)(导)(用)(户)(理)(财)(,可)(以)(看)(到)(很)(多)(机)(器)(人)(角)(色)(的)(加)(入)(,随)(着)(人)(工)(智)(能)(的)(发)(展)(,技)(术)(在)(后)(期)(会)(有)(更)(大)(的)(作)(用)(,如)(招)(商)(银)(行)(的)(摩)(羯)(智)(投)(在)(理)(财)(领)(域)(有)(了)(新)(的)(尝)(试)(。
图)(5理)(财)(产)(品)(创)(新)(销)(售)(模)(式)(
四)(、第)(四)(张)(报)(表)(案)(例)(展)(示)(
第)(4张)(报)(表)(是)(德)(勤)(和)(易)(观)(最)(新)(发)(布)(的)(企)(业)(价)(值)(评)(估)(体)(系)(,旨)(在)(通)(过)(大)(数)(据)(建)(立)(涵)(盖)(用)(户)(、渠)(道)(和)(产)(品)(三)(个)(维)(度)(的)(报)(表)(体)(系)(,为)(企)(业)(的)(管)(理)(层)(提)(供)(更)(深)(入)(的)(洞)(见)(。
图)(6企)(业)(第)(四)(张)(报)(表)(主)(要)(内)(容)(构)(成)(
图)(7对)(标)(分)(析)(
图)(8模)(型)(拟)(合)(:目)(标)(银)(行)(自)(由)(现)(金)(流)(和)(市)(值)(拟)(合)(结)(果)(
未)(来)(第)(四)(张)(报)(表)(的)(发)(展)(方)(向)(应)(该)(是)(:非)(财)(务)(、轻)(应)(用)(和)(大)(数)(据)(。不)(同)(行)(业)(领)(域)(非)(财)(务)(数)(据)(可)(能)(稍)(有)(不)(同)(,但)(用)(户)(行)(为)(和)(用)(户)(资)(产)(数)(据)(这)(个)(维)(度)(是)(所)(有)(行)(业)(都)(适)(用)(的)(,通)(过)(这)(些)(数)(据)(能)(够)(建)(立)(起)(与)(未)(来)(财)(务)(数)(据)(的)(关)(联)(,不)(论)(是)(对)(管)(理)(分)(析)(还)(是)(市)(值)(估)(值)(、风)(控)(都)(是)(大)(有)(好)(处)(的)(;第)(二)(个)(方)(向)(是)(轻)(应)(用)(,即)(比)(较)(容)(易)(上)(手)(,由)(于)(本)(身)(数)(字)(化)(的)(特)(性)(更)(新)(起)(来)(也)(比)(较)(快)(,当)(然)(所)(有)(的)(更)(新)(都)(源)(于)(大)(数)(据)(和)(技)(术)(支)(持)(。
总)(结)(来)(说)(,第)(四)(张)(报)(表)(除)(了)(能)(够)(让)(管)(理)(层)(更)(好)(地)(评)(估)(数)(字)(化)(的)(效)(果)(之)(外)(,还)(在)(银)(行)(业)(中)(有)(很)(多)(具)(体)(的)(应)(用)(场)(景)(,基)(于)(用)(户)(的)(深)(度)(数)(据)(,能)(够)(更)(好)(的)(进)(行)(风)(控)(,包)(括)(欺)(诈)(的)(识)(别)(以)(及)(现)(有)(用)(户)(的)(分)(级)(评)(分)(管)(理)(。
  问)(答)(环)(节)(:
Q1:你)(们)(是)(怎)(么)(想)(到)(“第)(四)(张)(报)(表)(”这)(个)(维)(度)(的)(呢)(?第)(四)(张)(报)(表)(的)(普)(遍)(使)(用)(会)(对)(行)(业)(带)(来)(什)(么)(样)(的)(影)(响)(?
A1:还)(是)(在)(实)(践)(中)(,特)(别)(是)(和)(企)(业)(的)(交)(流)(如)(商)(业)(银)(行)(的)(交)(流)(中)(,大)(家)(有)(很)(多)(的)(困)(惑)(,一)(个)(困)(惑)(就)(是)(怎)(么)(去)(评)(估)(花)(了)(很)(多)(时)(间)(做)(数)(字)(化)(的)(效)(果)(,而)(这)(种)(评)(估)(最)(终)(还)(是)(希)(望)(与)(财)(务)(指)(标)(之)(间)(建)(立)(起)(关)(联)(。在)(今)(天)(瞬)(息)(万)(变)(的)(市)(场)(中)(,选)(取)(的)(维)(度)(应)(该)(是)(相)(对)(不)(变)(的)(,因)(此)(我)(们)(提)(出)(来)(“第)(四)(张)(报)(表)(”的)(概)(念)(,这)(对)(治)(理)(层)(和)(监)(管)(层)(都)(比)(较)(清)(楚)(。第)(四)(张)(报)(表)(我)(们)(叫)(它)(财)(务)(数)(据)(的)(先)(行)(指)(标)(,如)(果)(真)(正)(落)(地)(,不)(仅)(能)(为)(长)(期)(的)(战)(略)(夯)(实)(基)(础)(,也)(能)(够)(强)(化)(短)(期)(的)(收)(入)(和)(利)(润)(,这)(是)(第)(四)(张)(报)(表)(可)(以)(扮)(演)(的)(作)(用)(。
文)(章)(来)(源)(:本)(文)(节)(选)(自)(巴)(曙)(松)(教)(授)(发)(起)(的)(“全)(球)(市)(场)(与)(中)(国)(连)(线)(”第)(257期)(内)(部)(会)(议)(纪)(要)((本)(文)(仅)(代)(表)(作)(者)(观)(点)(,不)(代)(表)(任)(何)(机)(构)(的)(意)(见)(,不)(构)(成)(投)(资)(建)(议)()
本)(篇)(编)(辑)(:王)(昌)(耀)(
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