Huge rock of gold of chief inspector of Construction Bank information: Avoid finance to innovate to

On May 30, annual meeting of forum of 2019 banking market is held in Beijing. Huge rock of gold of chief inspector of Construction Bank information expresses on the meeting, increase the investment of science and technology, endow with with science and technology can the development of business, had become the consensus of banking.

Jin Panshi introduced the Construction Bank in detail in the speech " TOP+ " strategy of financial science and technology. He is mentioned encouraging innovation, include innovation while, also need to pay close attention to the development as financial science and technology, the risk of financial science and technology also increases subsequently.

For this, he suggests, regular go ahead of the rest. "Many financial innovation can cause the presence that financial chaos resembles inevitably also, the guiding that needs to have a few policy and mechanism will lead the development of the market. The guiding that needs to have a few policy and mechanism will lead the development of the market..

It is speech full text below:

Respectable everybody is led, each guest, everybody good evening, very glad to attend sentence of night of this banking market, with everybody expert delibrate is below setting of reform of sex of structure of financial supply side, financial industry innovates to explore and think of development and construction bank.

Innovation of current banking industry develops to cannot have left financial science and technology prop up, this go up, 2018 we appear on the market the annals of the bank everybody can see. Smooth 4 big, in the annals of state-owned commercial bank, allude " financial science and technology " amount to about a hundred times, this builds a bank among them one is carried 44 times, global size bank puts financial science and technology in significant position, increase the investment of science and technology so, endow with with science and technology can the development of business, had become the consensus of the industry. But, how to rely on innovation of business of banking of drive of force of science and technology, we think to need to be a method with the technology, create new service pattern, rely on the advantage of the function of science and technology and efficiency, serve finance outspread to vaster domain, for the society development is endowed with can.

Be based on this one understanding, construction bank put forward housing to hire finance of benefit of science and technology of hire, finance, general 3 old strategies, built " laborer harbour " , established " Construction Bank university " , open " curve of the 2nd development " . There is a reporter to write before long before, construction bank " do a business every day " , still the reporter is written, build a bank " not attend to one's proper works or duties " , actual either such, of course the reporter is well-intentioned. These must regard the driving force of core as financial science and technology.

Construction bank has strategy of science and technology of a finance, abbreviation " TOP+ " . "T " it is drive of delegate science and technology, become double essential factor with technology and data compose namely, finance of double round drive innovates. We generalize new technology for " ABCDMIX " , a is artificial intelligence, b is area piece catenary, c is cloud computation, d is big data, m is mobile interconnection, I is content couplet net, x is now still do not have formal commercial, wait for forward position technology like computation of 5G, quanta. To these technical itself, as construction bank we won't throw too much energy, because we know very well the essence of financial science and technology is finance, it is business, not be a technology. So our strategy, stand on the shoulder of giant to innovate namely, with the whole world place of courtyard of famous college, enterprise, scientific research holds water " center of innovation of combination of group of Chinese construction bank " , shirt-sleeve advantage of its science and technology, understand to the profundity of business with us, will " ABCDMIX " the technical application with best domain reachs construction bank. We are in technical respect, we are achieved impossibly optimal, but we use these technologies, the system of these application of the bank that we become can accomplish home optimal, international is top-ranking.

"O " it is OPEN, delegate ability is open, the function that will build bank group and data are opened to the society with the means of the service, make construction bank use a store. The open bank platform that we roll out, had opened 8 kinds, 14 products, 116 serve. Open the capacity that builds a bank on one hand go out, endow with for tripartite can. On the other hand, what oneself of bank of construction of implementation of tripartite platform serves have the aid of is outspread. For instance, be aimed at general benefit finance, we are outspread already the channel to platform of more than 20 tripartite. Now our open bank platform, replace an edition at least every week, many service is being opened ceaselessly in in a steady stream go out.

"P " represent Platform, platform zoology, want compose to build platform namely, join platform, the station connects platform in platform, common form builds user modes of life and relation to their environment. At present we made 17 socialization platform, serving hypostatic economy, aid force government processing, while construction happiness lives, active exploration uses platform to obtain guest, vivid guest and the new pattern that detain a guest. Serving hypostatic economy field, we roll out " small small borrow quickly " , up to by 2018, remaining sum 631 billion, add newly 212.5 billion, loan client 1.19 million, add newly 470 thousand, remaining sum and client are added newly all occupy 4 first places. Our " abundant farming is connected " rustic Pu Hui serves platform, had enclothed the whole nation to exceed the administrative village of 25% .

The respect is administered in the country that help strength, a mobile telephone that we make for Yunnan province government handles affairs, save Yunnan 30 many appoint 16 kinds of themes of bureau running office, 389 handle matter matter, move to the line entirely, realized province, city, county, villages and towns, village 5 cascade net is connected do. Up to in May the middle ten days of a month, register an user to already was amounted to 1.59 million, accumulative total handles matter 5.45 million. Build 319 when the bank saves in Yunnan business sites, 1587 wisdom ATM, the government affairs service that became a government handles affairs dot, the government need not be built handle affairs the hall, build the site of the bank is them to handle affairs the hall.

Building good way of life, the ground city that our housing leases the line on platform is 316, now on our platform, on the room source of the line already accumulative total has 15.95 million, register an user to had exceeded ten million. Our wisdom community platform had gone up line community is 371, register an user 80 thousand much, the business that garrison door 2200 many. This is among them a few example only, the ease that still has us platform of provide for the aged, commonweal teachs platform, party group integrated service platform, wisdom politics and law serves platform to wait.

"+ " it is the delegate encourages innovation, include the mechanism of innovation and culture, came true to face what did not come to be able to develop continuously. We had built committee of innovation of financial science and technology to be in charge of always, ministry of financial science and technology establishs operation data center, build the structure that believes company of financial science and technology to stand for war, formed efficient, agile, the science and technology that supports innovation runs a system. In the meantime, the invite applications for a job that is optimizing financial skilled personnel, rising with incentive system. Superintend to finance, the attitude that I think a few years this to superintend is cautious still with what include. because such, financial science and technology of China just obtained rapid development. But the development as financial science and technology, the risk of financial science and technology, financial venture also is in aggravate. Superintendency respect, I have a few individual proposal, I do not get this respect, insufficient place asks each honored guest to criticize point out mistakes so that they can be corrected.

It is to should guide empty to solid. The ultimate goal that wants innovation of financial science and technology only is helpful for hypostatic economy, the risk that I think it is certain to should give is patient spend and policy gradient.

2 it is to want regular go ahead of the rest. Many financial innovation can cause the presence that financial chaos resembles inevitably also, the guiding that needs to have a few policy and mechanism will lead the development of the market. This financial superintendency sandbox is among them a very significant attempt.

3 it is the application that should strengthen superintendency science and technology. Execute the law the tool of personnel and method also want to be updated ceaselessly as the development of financial science and technology, only such, ability undertakes more seasonable and effective supervise.

Above is my speech, thank everybody!