The concept of smart bank

Intelligent banking is an advanced stage of traditional banking and online banking. It is the purpose of banking enterprises to examine their own needs with intelligent means and brand-new thinking mode, and to use innovative technology to shape new services, new products, new operations and business models, so as to realize economies of scale, improve efficiency, reduce costs, and achieve effective customer management and efficient marketing performance. The supporting platform of smart bank is smart portal. Its main characteristics are socialization, intelligence and diversification. Its goal is to enhance the core competitiveness of banks, promote the deep integration of information technology and business development, promote business innovation, product innovation, service innovation, process innovation and management innovation, enhance the ability of sustainable development, and provide the public with rich, safe and convenient diversified financial services.

Guomai Internet suggested that the action route of smart banks should first analyze the current operating situation of the industry, combine the best practices at home and abroad, grasp the future development trend of the financial industry, determine the people-oriented positioning and strategy, clarify the operating mode, refine the phased objectives, formulate the implementation route, and implement the change management and continuous improvement plan. Ultimately achieve business goals. The consulting service module of Guomai Internet Smart Bank mainly includes smart bank development planning, smart bank feasibility study, smart portal three-year development planning, smart portal content, function, user experience planning and evaluation, etc.

The proposal of intelligent bank

Smart Bank was proposed by Professor Wang Dong from Guanghua School of Management, Peking University in June 2008. It is a tacit knowledge trading system and an account system that can record and store people's trading knowledge, experience and wisdom.

According to Professor Wang Dong, Smart Bank is a charity bank account system similar to Time Bank.

In the time bank, people's labor value per unit time is the same. When a person contributes a certain amount of time to individuals or organizations in the community, the time will be stored in his personal account. When he needs the help of others or organizations, he can pay with the time saved in his account. Generally speaking, time accounts are denominated in time units, such as hours; Some accounts use time dollars as the unit of valuation.

The important difference between smart bank and time bank is that in smart bank, the labor value of each person per unit time can be different. Moreover, Professor Wang Dong also expounded the different sources and pricing methods of labor value per unit time.

Professor Wang Dong also introduced that the purpose of proposing and establishing a smart bank is to solve the learning direction and employment problems of the younger generation. I hope to reduce the cost of talent training in the whole society and make "smart people smarter".