Shulou(Shulou.com)06/02 Report--

The little ant said:

On November 29-30, 2018, the 2018 (Seventh) China small and medium-sized Bank Development Summit Forum was held in Guangzhou with the theme of "Financial Technology and risk Prevention and Control of small and medium-sized Banks in the New era". It is understood that this forum is sponsored by "Contemporary financier" magazine, Hongru Financial Education Foundation, and Ant Financial Services Group. About 200 professionals attended the leaders of domestic joint-stock banks, city commercial banks, agricultural commercial banks, science and technology departments and leading enterprises of well-known financial science and technology, and analyzed the hot spots and difficulties of financial technology and risk prevention and control of small and medium-sized banks in 2018.

In recent years, small and medium-sized banks have actively implemented the strategy of technology-driven business development, constantly seeking digital transformation and the use of advanced technology to improve products and services, providing a good driving force for the banking industry to develop inclusive finance and serve the real economy. At the same time, the environment of small and medium-sized banks is becoming more and more complex, and all kinds of risks derived from external, internal and new technologies are superimposed, and the task of risk prevention and control has a long way to go. At this forum, there have been extensive and in-depth exchanges and in-depth communication among small and medium-sized banks, between small and medium-sized banks and regulators, and among outstanding financial technology enterprises in the aspects of scientific and technological innovation, IT governance, risk control and so on.

The Summit Forum on the Development of small and medium-sized Banks in China began in May 2011 and was launched by the Graduate Department of Wudaokou of the people's Bank of China, Hongru Financial Education Foundation and Contemporary financier magazine, bringing together front-line elites and industry leaders from regulatory authorities, small and medium-sized banks, research institutions, and other industry leaders to contribute ideas and suggestions for the transformation and development of small and medium-sized banks. So far, the Forum has been held seven times, participating in more than 500 banks and related excellent institutions, with more than 5000 people, covering Beijing, Shanghai, Tianjin, Shenzhen, Hangzhou, Nanning and other cities. it not only promotes the sharing of experience and complementary advantages of small and medium-sized banks, but also brings a lot of cooperation results to participating institutions, and is the top event for information exchange and cooperation in related fields of small and medium-sized banks.

The following is a wonderful report on the views of this forum:

At the opening session of the forum, Li Zhe-ping, executive president and editor-in-chief of Contemporary financiers magazine, said that this year is the seventh year of the China small and medium-sized Bank Summit Forum, in which there is still a lot of uncertainty in the global economy and financial markets. China's economy is also in a period of transition and structural adjustment, but the pace of innovation in China's financial industry for the future has not stopped. Among them, the most eye-catching is that the banking industry is actively embracing and developing financial technology with unprecedented efforts, and financial technology is contributing to the transformation and development of the traditional banking industry. China's inclusive finance and real economy, in particular, the financing of small and medium-sized enterprises has made great progress with the help of financial technology.

Li Zhe-ping, Executive Director and Editor-in-Chief of Contemporary financier

Cui Jincai, chairman of the Hongru Education Foundation, said that at the first Forum of small and medium-sized Banks, Mr. Liu Hongru, the first chairman of the Securities Regulatory Commission, came to the scene and delivered a speech. This year marks the 40th anniversary of China's reform and opening up. with the process of economic development and financial system reform, China's small and medium-sized banking financial institutions have developed vigorously, contributing an important force to economic and social development. Nowadays, the development and application of financial science and technology are unprecedented. The development and application of financial science and technology provide good conditions for improving the efficiency of financial services, expanding the boundaries of financial services, and even innovating the model of financial services. At the same time, there is also a side of risk prevention and control in the understanding and application of financial technology. I believe that through everyone's sharing and communication. It can promote small and medium-sized banks to deal with the relationship between financial technology and risk prevention and control.

Cui Jincai, Chairman of Hongru Education Foundation

Chen Yunxian, former vice governor of the Guangdong Provincial people's Government, said that the new round of scientific and technological revolution is profoundly affecting all aspects of economic and social development, and the integrated development of financial science and technology is an irresistible trend. while we see that financial technology promotes profound changes in the organizational structure, service capacity, and customer experience of the financial industry, we should also properly handle the relationship between financial technology and risk prevention and control. With the theme of financial technology and risk prevention and control of small and medium-sized banks in the new era, this summit forum conducted an in-depth discussion on the hot spots and difficulties of financial science and technology and risk prevention and control of small and medium-sized banks in the new era, which conforms to the trend of the times and meets the expectations of all parties.

Chen Yunxian, former Vice Governor of Guangdong Provincial people's Government

Liu Weiguang, vice president of Ant Financial Services Group, said that Ant Financial Services Group has gone through 14 years of development since the birth of Alipay. In the past 14 years, Ant Financial Services Group has been committed to using technology to accelerate and help the development of China's inclusive financial market. At present, the whole Chinese financial industry, especially the banking industry, is entering a major transformation period. The strategy of every future bank, whether it is a large bank strategy or a small and medium-sized bank strategy, needs the important guidance of science and technology. Ant Financial Services Group's opening up of science and technology comes from his own practice, from the insight into the market, from the cooperation with customers. I hope that science and technology can really lead the development of financial business in China and accelerate the process of digital transformation of financial institutions!

Liu Weiguang, vice president of Ant Financial Services Group

Wang Jiong, president of Central Plains Bank, said that the transformation of Central Plains Bank has set a goal, which is also a goal to deal with market competition in the next step, that is, "seven changes", agile organization, intelligent risk control, ecological customer acquisition, intelligent operation, accurate marketing, systematic platform, and cross-boundary talents. Through these "seven modernizations", banks can really face the competition in the future market.

Wang Jiong, President of Central Plains Bank

Zhao Weixing, president of Xin.com Bank, said that Xin.com Bank has built a different digital bank in less than two years. In his view, financial technology is imperative, and in the technology strategy, digital risk control, operation, customer acquisition and marketing are very core parts. He mentioned that in the part of intelligent marketing, Xinwang Bank has implemented real-time marketing, high-dimensional models and machine learning. He believes that financial technology has brought about the transformation of banks and promoted the development of inclusive finance.

Zhao Weixing, president of Xin.com Bank.

Qiu Bin, president of the Bank of Guangzhou, pointed out that small and medium-sized banks to build digital smart banks should be considered from three aspects. One is to develop a strategy around being customer-centric and gain insight into our customer needs through data technology. Second, it is necessary to strengthen cooperation and break through bottlenecks-in some agile system development, or in some scientific and technological capabilities, small and medium-sized banks can borrow ships to go to sea. In addition, it is necessary to strengthen cooperation among the same industry. Small and medium-sized banks should strengthen ties and communication in the process of training each other's technology, business and various capabilities, and can also form a certain range of alliances.

Qiu Bin, President of Bank of Guangzhou

Wang Penghu, deputy general manager of the Audit Department of Citic Bank, said: first, the transformation strategy of commercial banks is to establish technical thinking, respect technology, and understand that technology plays a strong role in reducing costs, improving efficiency, and managing risks. Second, it is necessary to understand the limitations of technology, and technology also has problems that it must not solve, such as the "three principles" mentioned by banks, the technology cannot be changed, the essential technology of risk cannot be changed, and the essential technology of business cannot be changed.

Wang Penghu, Deputy General Manager of Audit Department of CITIC Bank

Chen Wu, president of Guangdong Nanyue Bank, said that Nanyue Bank introduced big data and artificial intelligence, which solved the problem of information asymmetry in the service of small and medium-sized enterprises, and established an all-round risk control intelligent system covering pre-loan, during-loan and post-loan. Through this system, we have developed more than 300 multi-dimensional and omni-directional portraits for small and micro customers. Set up an intelligent platform with machine learning as the core, dynamically reflect the risk level of customers, automatically calculate the credit line, interest rate, term and other information of customers, and automatically gain insight into the screening of target customers.

Chen Wu, President of Guangdong Nanyue Bank

Wang Yuanjun, assistant president of Weifang Bank, revealed the thinking and practice of Weifang Bank in science and technology finance. He said: in view of the science and technology financial business, it should be said that Weifang Bank has made a great determination to formulate a "1234N" financial science and technology development plan centering on products and services. The so-called "1" is a core, an Internet core system. "2" is two platforms, online loan platform and big data distribution platform. "3" is the three major business segments, mainly aimed at retail business, corporate business and financial market business. "4", that is, four channels, that is, mobile banking, online banking, Wechat bank, direct selling bank. The so-called "N" is the combination of the above aspects with as many cutting-edge technology applications as possible, such as blockchain, artificial intelligence, cloud computing and biotechnology, to create more financial products and services to meet the needs of customers.

Wang Yuanjun, Assistant to the President of Weifang Bank

Huang Wenyu, general manager of the Information Technology Department of Guangfa Bank, said that for Guangfa, the first is integrated finance, the second is intelligent, and the third is ecological. First of all, for business departments and customers, it is necessary to build platform finance and realize ecology. This platform finance is to do the interconnection of platforms, the exchange of data, the grafting of drainage, and the opening of some manpower. Second, technology and business should be deeply integrated, and the business model should be innovated. First, we should seize the opportunity of digitization to do a design for the transformation of digital business model. Second, we should make a transformation of digital operation.

Huang Wenyu, General Manager of Information Technology Department of Guangfa Bank

Cai Xiaojun, vice president of Jiangxi Bank, said that in the process of financial technology development of City Commercial Bank, Jiangxi Bank has been paying attention to the new needs and changes of customers. At the same time, Jiangxi Bank is also thinking about how to attract high-tech talents and how to transform the internal assessment mechanism of scientific and technological personnel in the industry. Recently, the bank plans to build a financial technology laboratory in Shenzhen, through such a mechanism to attract talent and form a scientific salary incentive system.

Cai Xiaojun, vice president of Jiangxi Bank

Xiamen International Bank IT business staff accounts for about 9%, in the city commercial bank in a very leading position. "We have also set up a project fund for financial technology, an incubation office for financial technology projects of the whole bank, and a leading group. We refer to the project development model of financial technology companies, which is the relevant innovation mechanism." Wang Pengju, chief information officer of Xiamen International Bank, said. He also mentioned that in the application of new technology, Xiamen International Bank's artificial intelligence is now mainly used in intelligent network, anti-fraud, risk early warning and intelligent operation.

Wang Pengju, Chief Information Officer of Xiamen International Bank

Ye Zhao, deputy general manager of the Information Technology Department of Nanjing Bank, believes that Pratt & Whitney Finance is the right for all customers to enjoy financial convenience services equally, and scientific and technological innovation promotes the formation of an open and shared system. The platform launched by Bank of Nanjing in November last year, which uses Ant Financial Services Group's advanced Internet technology, is the first multi-legal person distributed financial cloud service platform. This platform is open to the majority of small and medium-sized banks in science and technology, products and technology sharing. On the one hand, it can help the majority of small and medium-sized banks to solve the problem of Internet business development deficiency. At the same time, it can improve the scale effect of inclusive financial services and the response speed of the market, and integrate the advantages of regional resources.

Ye Zhao, Deputy General Manager of Information Technology Department of Nanjing Bank

Wu Hongtao, president of Huaxing Bank, believes that in order to achieve rapid development of corner overtaking, small and medium-sized banks must make use of all kinds of financial science and technology means to speed up the deep transformation in the fields of ecology, tradition, platform and digitization. The key factors for financial science and technology to help business transformation and upgrading are both internal and external repair, opening up and cooperation, and internal practice. In opening up and cooperation with the outside world, we advocate mutual cooperation among Bay area banks in the field of financial science and technology, establish alliances and reduce the cost of trial and error. Internally, to practice internal skills, first of all, structurally, it is necessary to do a good job in the strategic planning and guidance for the development of financial science and technology of the whole bank. Strengthen the information sharing and coordination of financial science and technology work, pay close attention to the trends and potential risks of the development of financial science and technology, enhance the bank's ability and level of performance, promote deep integration with business, and give full play to the positive role of science and technology in serving the business, to achieve the common development of business and science and technology.

Wu Hongtao, President of Huaxing Bank

Huang Jinlao, Chairman of SUNING Bank: SUNING Bank mainly does four businesses, supply chain finance, consumer finance, WeChat business finance and wealth management. Because today's user behavior is more online, these businesses are now done more through the methods of financial technology, the accelerated integration of finance and technology, embedded, online, intelligent, data, financial technology has become the core driving force, open collaboration has become a trend. ■

Huang Jin, Chairman of SUNING Bank

"in the West, modern commercial banks have a history of three to four hundred years. After several tribulations, it should be said that history has precipitated some of their unique characteristics as bankers." Chen Xiaoxian, senior adviser to contemporary financier magazine, honorary editorial board and former president of Citic Bank, said at the 2018 "Contemporary financier" magazine "Iron Horse Bank" award ceremony that financial technology, including big data, cloud computing, artificial intelligence and blockchain, is changing banks with a strong penetration, providing banks with a broader world for financial innovation than ever before. The development of banks will also be more colorful, however, "China's banking industry should also promote a unique characteristic of a banker, such as facing any innovation with a profound professional perspective or steady professional thinking." be able to adhere to the principle of soundness and moderation in the face of innovation, can always not deviate from the original intention of supporting the real economy, and can never forget the concept of risk management. " In his view, the above characteristics of bankers are particularly important in an era of great innovation brought about by financial technology.

Chen Xiaoxian, senior adviser, honorary editorial board of contemporary financier magazine and former president of Citic Bank

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