Regard one domestic farming commercial firm as the controller of site of some subbranch of a bank, nie Bo (alias) very busy recently.
On one hand he wants busy move to handle a client, because constantly the client runs accusatorial why doesn't endowment canal product maintain this income; On the other hand, he still must be mixed regularly the tall canal of brotherly site people together, go knowledge of science and technology of finance of head office study. Two things are touched together, feeling of wave letting Nie gets tired of deal with, the person has the branch that choose essence of life.
Hardship carries out " go firm add "
This year April, the much ministries and commissions such as the Central Bank allotted jointly " the directive opinion that runs business about asset of normative finance orgnaization " . Endowment canal new rule asks, acceptance is not gotten to protect this protecting when financial orgnaization begins asset management professional work accrual; To asset management the product ought to execute net value to turn management, net value of product of fixed exposure or yield circumstance.
"Although the file allots early, but we should fall to real point, go again a few months. " Nie Bo expresses, carry out the difficulty that reach the designated position to depend on, the client is right " product of commercial bank conduct financial transactions breaks firm add " new politics do not understand, think the bank should protect this protecting to cease. Answer to give a client doubt, from the top down of subbranch of a bank must arouse rise, regard subbranch of a bank as chief, nie Bo is there is no shirking the responsibility more.
"Plus always should undertake financial science and technology grooms relevantly all right regularly, time is used quite scarcely. " time is entered this year second half of the year, get tired of so like Nie Bo small bank middle-level is absent in payable a few.
Financial science and technology helps strength in small bank break out of an encirclement
From the point of the angle of long-term development, product of bank conduct financial transactions breaks firm add is hasten of general trends place. Competition ability this weaker in small bank wants to maintain market share or seek transition, financial science and technology is a good breach. And this respect, the country also published relevant policy to undertake how-to.
In Central Bank print and distribute " Chinese banking industry IT " 935 " development plans " in, put forward clearly to want to strengthen financial science and technology and the research of superintendency science and technology and application; Improve systematic framework and research of cloud computation application steadily; Begin big data technology to apply innovation deep; Standard and popularize Internet finance relevant technology application; Advance the new technology such as area piece catenary, artificial intelligence actively to use research.
After so the file allots, more and more in the construction that small bank begins to have side of financial science and technology. As we have learned, at present small bank basically uses own research and development in great majority or the means of the bag outside research and development undertakes financial science and technology is built.
"Relatively medium the actual strength of research and development of small bank oneself, company of a few tripartite is right the technicality such as catenary of big data, area piece understands more professionally. " Nie Bo expresses.
Nevertheless, also the expert thinks the bag outside own research and development and research and development is united in wedlock, the moving efficiency of small bank in the promotion with nicer gift, create value. For instance big data, business of department of substandard of the drainage that can be a bank only, sale provides a service, this can look for tripartite company to cooperate together; And accuse in wind, performance, budget can with inside charge item of relevant financial science and technology, need own development.
The bank combines science and technology of compasses need finance
What differ with general finance orgnaization is, the bank is paid attention to more close compasses. Anyhow financial science and technology innovates, close compasses the bottom line that is a bank forever. This won't be distinguished somewhat because of the size of bank dimensions. What combine plan plan compared with big bank is slow, small bank is in on certain level the likelihood still has close of compasses send an advantage first.
With exemple of act of city commercial firm, farming trade, the course is managed for years, already finished fair site, personnel, data and brand inside area under administration accumulate, if refinance aids financial science and technology to finish,close compasses upgrade, stress brand dominant position, mix possibly also state-owned big travel contends for relative superiority or inferiority.
As a whole, the development of financial science and technology drove the service quality of the commercial bank and efficiency promotion. Especially after civilian battalion bank appears, force small bank takes catenary of cloud computation, big data, artificial intelligence, area piece seriously to wait for the research of project of financial science and technology and application more and more in the tradition.
But in the process that developing financial science and technology, small bank also is faced with system in deficient of not agile, professional, infrastructure upgrades, of the respect such as incentive mechanism innovation restrict. These problems are not meet what can solve partly temporarily, still need a director branch and in small bank undertakes active exploration together.
