Dispatch of Tecent finance and economics on December 11, by " 21 centuries economy reports " sponsor " thirteenth annual meeting of finance of 21 centuries Asia " on December 11, 2018 - hold 12 days in Beijing, forum with " firm finance firm economy " give priority to a problem, xiao Xiang of chief of department of research of strategy of association of Chinese Internet banking publishs a text in this second forum express when the speech, the open collaboration of financial orgnaization and company of financial science and technology conduces to play bilateral and respective advantage and synergism, conduce to build hold <> concurrently emulative and include system of financial modes of life and relation to their environment.
To this, he thinks each just need to pay close attention to the challenge of the following respects highly: The first, culture and the challenge that manage difference to bring; The 2nd, risk management " cask effect " brought challenge; The 3rd, excessive tripartite depends on brought challenge; The 4th, responsibility maintains brought challenge hard.
In the light of how to answer a challenge? Xiao Xiang thinks can begin from the following respects: Law is superintended, accuse inside autonomic standard, orgnaization.
Strategy of association of Chinese Internet banking studies department chief holds Xiao Xiang of assistant dean of academy of Internet finance standard concurrently
It is full text of honored guest speech below: Xiao Xiang: Each honored guest of respect, each friend: Everybody good afternoon! Very glad to attend annual meeting of finance of 21 centuries Asia. Just the speech of a few honored guests is very splendid, have very much inspire a gender. I think from finer angle is cut, be united in wedlock today " ode can · Pu Hui " theme, the normative collaboration problem that talks about financial orgnaization and company of financial science and technology. Everybody knows, current finance and development of confluence of science and technology already were hasten of general trends place, wait for the wide application of new generation IT as computation of artificial intelligence, big data, cloud, financial industry division of labor specializations with each passing day, change subtly, financial industry catenary and value catenary by drawing, the relation of financial orgnaization and company of financial science and technology already from relatively pure outside progress of bag collaboration concern is the many sided such as business, account, data, technology, infrastructure the correlation of much type concerns interactively. Pu Huayong path issued the basis in April 2017 " global finance science and technology reported 2017 " show, the financial orgnaization that the whole world has 82% on average suffers the person that visit to plan to be in future 3 strengthen the cooperation with company of financial science and technology to 5 years, among them the financial orgnaization of 68% suffers China the person that visit predicts future 3 to the cooperation with company of financial science and technology is strengthened inside 5 years. This year September, pu Huayong line is new release " 2018 findings report of Chinese finance science and technology " show, in the entire way that financial orgnaization has developed research and development of financial science and technology and application, the orgnaization scale that offers solution of whole of relevant business module by company of financial science and technology was occupied 33% . This report studies with association group survey circumstance still compares likeness. Study the survey of the group according to association, financial orgnaization and cooperation of company of financial science and technology basically have the following characteristics:
From the point of cooperative content, the collaboration of financial orgnaization and company of financial science and technology is enclothed from downstage channel, win a customer, to in the wind of tiring-room accuses, close the almost all link such as compasses, basically include the field such as capital, business, technology, client.
From the point of cooperative carrier, financial orgnaization and the means that be born of company of financial science and technology cooperates basically include to have, product of joint development finance and service, buy and buy for subsidiary, collective control a joint-stock company, establish the type such as associated lab.
From the point of interest allocation, to different cooperative content and cooperative carrier, interest allocation plan differs somewhat, basically include: The scale that agrees by fee increase or contract undertakes profit is divided into, press sheet to individual and open project or technical product collect fees, and according to demand is custom-built integral business solution bales collect fees wait for a type.
The open collaboration of financial orgnaization and company of financial science and technology conduces to play bilateral and respective advantage and synergism, conduce to build hold <> concurrently emulative and include system of financial modes of life and relation to their environment. Current, as superintendency aggrandizement and business development, the open collaboration of financial orgnaization and company of financial science and technology is progressively from " honeymoon period " enter " adjust period " , from " shallow water beach " enter " deep water area " . It is not difficult to sign one paper agreement, difficult is in black and white the operation that the agreement turns real guns and bullets, true gold into silver. Join survey case, we think, each just need to pay close attention to the challenge of the following respects highly.
The first, culture and the challenge that manage difference to bring. The development start of financial orgnaization and company of financial science and technology and development evolution are different, the policy environment that face also differs with superintendency requirement, forms administrative kind and company culture presence are larger difference, bring great hamper to just deepening collaboration each. For instance, running way, financial orgnaization more type of hasten layer level and systematize, company of financial science and technology is more compressed change and open type. This differentia different may cause the conflict in collaboration. Again for instance, pattern of profit of a few orgnaizations is inertial bigger, digitlization thinking is defective, the service concept that is a center with the client has not been formed completely, the difference on culture concept is made to deep chemical combination bring block up.
The 2nd, risk management " cask effect " brought challenge. The integral wind of financial business accuses a level to depend on the weakest link on industrial catenary, value catenary, just lack perfect wind to accuse measure in crucial collaboration especially, wind control spends executive existence " run risk a leakage " below the circumstance, collaboration all just may suffer the loss of the respect such as public praise of secret of capital fund, trade, fame each. June 2017, finance stabilizes council to be in " the influence with financial stable to finance science and technology " in the report, the more with respect to the system that mentions weak point of different orgnaization existence each other connects receive, the sensitivity that financial activity atttacks to the network may be taller. For instance, in Feburary 2016, the hacker passes advanced durative menace (APT) attack hijacks a network to receive a server, distort trade message, final breach is round-the-world association of bank finance telecommunication (SWIFT) systematic safety mechanism, the law of account Central Africa that lays in a bank in new York federal from Bangladesh Central Bank transfers 81 million dollar, what investigation of after the event discovers Bangladesh Central Bank is used not only is the value that did not install firewall of 10 dollars secondhand switching equipment, network structure also the mutual segregation with farther unfulfilment, put in tremendous and safe hidden trouble. Of course, this is the case of Bengal Central Bank and SWIFT, not be the case of financial orgnaization. But the risk that I feel cooperative network is faced with and challenge still have intercommunity, need to just pay close attention to highly each.
The 3rd, excessive tripartite depends on brought challenge. In October 2018, world bank and combination of international Monetary Fund were released " cling to agenda of li finance science and technology " , point out financial orgnaization serves provider collaboration increasingly with tripartite, or it is the bag outside the operation support that serves finance gives tripartite, and tripartite serves the occasional that dimensions economy may drive financial orgnaization the bigger conformity between the provider, aggravate spends risk and network venture centrally. In practice, the company of financial science and technology with a few more Cooperation Agency acts the part of kind of finance infrastructure increasingly, if lack,superintend, the single drop that causes a risk easily is accumulative, its business is successional what affect money market possibly is smooth move.
The 4th, responsibility maintains brought challenge hard. In the open collaboration that is in financial orgnaization and company of financial science and technology, include to cooperate to just be mixed each financial consumer is faced with legitimate rights and interests possibly to get the circumstance of enroach on, need effective and feasible law to relieve a way. But, extensive cooperative content, multivariate collaboration carrier, changeful interest allocates and wind carries plan in all nearly, make the responsibility in collaboration differentiates relatively difficult, relief likelihood is faced with law to acknowledge the condition of the content such as responsibility main body, responsibility allocation and damages amount hard.
Going up Saturday, li Dongrong chairman is in association of Chinese Internet banking point out on forum of finance of Internet of the 2nd China, in stimulative finance and process of development of confluence of science and technology, need holds the significance of good finance orgnaization and company of science and technology, "Full brother even bright account " , in business border, law relation, responsibility delimits classify respect cannot vacillate, ambiguous. So specific how to answer afore-mentioned challenges? I feel OK to begin from the following respects:
It is legal superintendency respect, the proposal considers to drive relevant legislation and of superintendency regulation make, the main business border that clear collaboration just must observe each and right are compulsory, particularly ambitious change financial consumer to be in the safeguard of the respect right such as individual information safety, data security, privacy safety. The near future, open bank makes the central point that pays close attention to domestic and internationally gradually, we see in its birthplace England, pass just about " current data protection is normative " (GDPR) the innovation of portable to the data of data main body authority, to urge open bank development provided legal support. Alleged data is portable authority, below the circumstance that asks in contented law namely, if data main body provides the individual data that concerns with its to the person that some data is controlled, so place of the person that this data main body has authority to be controlled from this data is gotten structuralization, generalization and but machine afore-mentioned read data; In the meantime, data main body has authority to transfer these data the person that other data is controlled, the person that raw data is controlled must not have set back.
2 it is autonomic level field, can consider to produce effect of foretaste of group level go ahead of the rest below the frame of system of national relevant specification, accelerate a series of standard standards such as the data that builds concerned finance orgnaization and cooperation of company of science and technology, technology, product, business, safety. In March 2018, england is released " strategy of industry of financial science and technology " , the challenge obstacle that puts forward to standardize the job to drive the existence in solving financial orgnaization and cooperation of company of financial science and technology through financial science and technology. Be in last month, british standard association (BSI) released the name is " company of supportive finance science and technology and financial orgnaization collaboration - guideline (PAS201: 2018) " standard standard, for the collaboration of financial orgnaization and company of financial science and technology, offerred accuse to wind from flow, plan, add up to the reference standard of one a complete set of of compasses, be worth reference to draw lessons from
3 be the field dominates inside the orgnaization, suggest of all kinds orgnaization is being built while open collaboration concerns, according to superintend and control oneself requirement, cogent enhance tie of corresponding management standard, market and lash-up arrangement. It is especially outside the pivotal business operation that involves financial field, crucial technology mandatory, crucial service opens bag, crucial system the collaboration that waits for a respect, financial orgnaization should choose a partner strict and carefully more, bring into cooperative business under operation venture frame, had done pair of collaboration to fulfil his duty just to investigation, risk is evaluated and be monitored continuously, should assume a risk to be in charge of the main body liability that control; Company of financial science and technology also answer level of management of cogent promotion risk, want to implement the risk management standard that unites with financial orgnaization on crucial link, cannot reduce the demand that financial venture is on guard because of attribute of science and technology and cooperative means, cannot break through concessionary operation requirement with cooperative form more, without aptitude but pursue substantial financial business. In addition, both sides also should agree through the agreement service limits, clarity limits responsibility obligation to wait.
Above is association research group of open to financial science and technology collaboration a few think, undeserved place still asks each expert to criticize point out mistakes so that they can be corrected. Thank everybody.
