Zhang Wenwu said that at present, financial technology has become an important force to enhance China's scientific and technological independent innovation capability, external radiation capability, risk prevention and control capability and build a "digital China". At the same time, the policy environment, customer demand and financial supervision faced by banks are also undergoing profound changes, which provides new opportunities for banks to use financial technology to carry out financial innovation and promote the opening of financial services.
He believes that new opportunities breed new changes. Focusing on the growing customer demand, commercial banks have built a coordinated and integrated smart finance internally, expanded the open smart ecology externally, and promoted the evolution of banking financial services in the direction of "online+offline", "internal+external" and "artificial+intelligent". Facing the future, the banking industry should conform to the trend, pay attention to open innovation, deepen financial scenarios, improve service efficiency and build an intelligent ecology.
The first is to deepen data governance and make finance more penetrating. As a new factor of production, data will greatly stimulate the total factor productivity of the banking industry. Banks should seize the opportunity of market-oriented reform of data elements, strengthen data sharing and technical cooperation, release the potential of data assets, and make them stronger. Focusing on the basic capacity building of two-wheel drive of data and technology, ICBC independently built an industry-leading big data cloud platform, created a group data factor market, and injected new vitality into financial development by building a distributed and integrated data intelligent platform that is "wide, deep, fast and accurate".
The second is to build an open ecology and make finance more available. Adhere to the development concept of openness, cooperation and win-win. Bank financial services should be combined with "going out" and "bringing in". On the basis of a clear understanding of partners, we will cooperate with all walks of life to build a scene and actively lay out an open financial ecology. China Industrial and Commercial Bank has opened thousands of standardized products and services to thousands of partners through the API open platform. API openness and number of partners lead the industry. Through the introduction of financial ecological cloud, it is applied in many industries such as finance, education and scenic spots. , and work together with partners to provide customers with comprehensive services of "industry+finance". The number of eco-cloud tenants has reached 30,000, initially building a rich and diverse ICBC cloud ecosystem.
The third is to lay out smart technology to make finance smarter. The layout of intelligent technology is a process of continuous improvement in level and function. With the changes in the financial market environment and the upgrading of users' needs, new technologies and new products will be iteratively innovated and upgraded. The banking industry must continue to intensify scientific and technological innovation, constantly enhance the core competitiveness of financial technology and stimulate new vitality in business development. ICBC has built a series of autonomous and controllable new technology platforms, such as artificial intelligence, blockchain, Internet of Things and 5G, and authorized more than 700 patents, leading the banking industry.
The fourth is to innovate smart services to make finance more inclusive. As an important way to practice digital inclusive finance, financial technology is solving the problems of high cost, insufficient income and difficulty in balancing efficiency and safety in the development of inclusive finance, and improving the coverage, accessibility and inclusiveness of financial services. In recent years, in accordance with the decision-making arrangements of the CPC Central Committee and the State Council, ICBC has continuously improved its financial service capabilities in key areas such as small and micro enterprises, inclusive, private enterprises and poverty alleviation by means of financial technology. For example, we will build online platforms such as mobile banking and customer manager cloud studio, innovate new financial products such as e-loan and digital credit card, build three inclusive finance product systems, namely, "operating fast loan", "e-to-fast loan" and "e-chain fast loan", launch a "global matchmaking" cross-border matchmaking platform, and initially build a new intelligent financial service system that is more open, inclusive and * * * *.
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