Current, the deepness confluence that waits for the burgeoning science and technology that is a delegate and financial industry with catenary of computation of big data, cloud, artificial intelligence, area piece is driving traditional banking industry to enter the drive that transition develops. The confluence of finance and science and technology already stayed in technical level not just, more reflect wait for all-around confluence for mode of thinking, concept, business, management pattern.
Current, the deepness confluence that waits for the burgeoning science and technology that is a delegate and financial industry with catenary of computation of big data, cloud, artificial intelligence, area piece is driving traditional banking industry to enter the drive that transition develops. The confluence of finance and science and technology already stayed in technical level not just, more reflect wait for all-around confluence for mode of thinking, concept, business, management pattern.
Here setting falls, the commercial bank begins to explore science and technology to lead, the new way that innovation of drive of science and technology, cooperation develops, it is chance in order to establish subsidiary of science and technology of bank department finance, deepen financial science and technology to apply in each business setting. Company of science and technology of bank department finance open tradition finance overturns in FinTech times the new page that type innovates.
The industry grows level and course
1. bank and financial science and technology develop level shirt-sleevely
Arrive from Internet finance financial science and technology, the shirt-sleeve trend of finance and science and technology already got industry is approbated generally, in recent years, the relation of company of science and technology also is in traditional commercial bank and finance to produce profound change stage by stage. Union promotes course of study to count golden president the viewpoint of old Li , we think the shirt-sleeve trend substantially of bank and financial science and technology can be divided for 3 phase.
The first phase, respective independence develops. In this one phase, the bank basically makes a line, will serve through site means, basically provide financial service for high-end client; And company of financial science and technology basically makes a line, with electric business platform + pay on the line cut, advocate hit user is the long end user that the bank is not willing to touch, a lot of setting and client were accumulated in this process, pay treasure such typical case show itself;
The 2nd phase, undertake contest closes crossing a boundary. Basically reflect the business that is a bank change on progressively line, begin to emphasize the capability that guest and relationship of hold together client obtain on the line, and company of financial science and technology gradually to value catenary upper reaches migratory, financial park setting in. This phase bank and company of financial science and technology are the relation that competes to cooperate again already, for example the strategy of 4 big banks and BATJ cooperates;
The 3rd phase, implementation zoology reframes. Bank and implementation of company of financial science and technology are more deep spend confluence, the bank accuses to wait for a respect to develop special skill in dovish, professional, license plate, wind, financial science and technology is a bank to endow with in the respect such as analysis of quick, innovation, data can. In this phase, the bank fastens emerge as the times require of subsidiary of financial science and technology, the conformity that implements ecology group and reframe.
From eye antecedent condition looks, the business way of subsidiary of science and technology of bank department finance is abided by mostly by inside the contrail outside arriving, establish initial stage to be given priority to in order to serve group of one's own profession and its subsidiary namely, expand gradually subsequently service a person of same business, realize technical output.
The bank ties the development course of company of financial science and technology
December 2015, promoting trade bank to took the lead in starting a bank is the beginning that subsidiary of financial science and technology establishs. The bank that start line of business leaves the money that start line of business through the banner, amount to the New World-the Americas of science and technology of card of gold of city of software, Shenzhen, Fujian with Gao Wei 3 companies such as cloud business were established jointly " gold of the number that start line of business " , the confine that in jumping out to be, small bank serves, become the creates subsidiary of financial science and technology the earliest share-holding system commercial bank inside course of study, starting a bank is the beginning of subsidiary of financial science and technology;
December 2015, account of one of finance of company of science and technology of the finance below restful group division is connected hold water. Financial one Zhang is connected rely on stage of catenary of artificial intelligence, big data, area piece, Yun Ping and financial application to wait for science and technology of 5 big core, it is the financial orgnaization that includes a bank inside to offer financial science and technology to serve support, be dedicated to becoming company of the world's lead financial science and technology;
In Feburary 2016, wholy-owned subsidiary enrols the bank that enrol business Shang Yun is achieved hold water. The major servicing that Zhao Yinyun achieves serves for the cloud, business fixed position is the platform of output of science and technology that serves as the bank that enrol business, the retail capability that gathers the bank that enrol business, trade finance of bank, consumption and financial IT solution output give a person of same business, also acting a service to enrol the part of trade group and science and technology of exploration forward position at the same time.
In December 2016, to promote science and technology of smooth big group innovation develops pattern, emerge as the times require of optical old science and technology. President of smooth big group points out, optical old science and technology is essential close around build science and technology to develop platform for the group, drive " finance + Internet " , exploration " Internet + finance " innovation of science and technology develops pattern 3 big jobs, want to push the collaboration with company of Internet science and technology with all one's strength at the same time, in drainage, obtain new breakthrough of the implementation on guest, innovation, synergism. Partner of optical old science and technology is Guang Dayun to pay, and latter partner includes 6 companies such as smooth old negotiable securities, smooth big group.
In April 2018, construction bank win initial success state-owned big travel establishs company of financial science and technology " the first gun " . This year in April, construction bank announces to establish wholy-owned subsidiary to build the division that believe gold, on fixed position, construction bank calls the Jin Ke that establish a letter " the person that the link person of natural resources of the person carry out that endows with can traditional banking, integrated group reachs those who drive bank transition to change " , the Jin Ke that establish a letter is domestic head home by state-owned the company of financial science and technology that establishs all right greatly, also be the first names with financial science and technology truly new-style company inside banking;
In May 2018, bank of the people's livelihood announces science and technology of the people's livelihood holds water formally in Beijing. New the limited company of science and technology of the people's livelihood that create is located in surely " group of travel of mother of base oneself upon, service, face the market " , basically serve to be mixed at group of bank of the people's livelihood, each subsidiary namely business is companionate, drive the people's livelihood " bank of finance of science and technology " construction, offer ability of science and technology to output at the same time,
The bank fastens characteristic of company of financial science and technology and type analysis
The type dimension that 1. starts a bank is spent look, give priority to with share-holding system bank, company of science and technology of finance of mostly wholy-owned hold.
From initiate bank property to look, 6 current banks tie company of financial science and technology, 5 are share-holding system bank, build those who believe financial science and technology to initiate a bank to be state-owned and large bank only. Current, share-holding system bank is told from apiration and ability is the main force that company of financial science and technology creates.
From initiate bank equity framework to look, the bank that start line of business was adopted exterior collaboration, absolutely accuse means will undertake equity is arranged, other 5 banks all are company of science and technology of wholy-owned hold finance.
2. is spent from dimension of fixed position purpose look, can divide the department that it is IT independence, output of financial science and technology with group confluence model 3 kinds.
Overall and character, company of science and technology of bank department finance can divide it is two kinds big: One kind is the subsidiary of financial science and technology that banking orgnaization creates directly, another kind is to sell a bank continuously. According to commerce fixed position and purpose differ, the subsidiary of financial science and technology that the bank creates directly but farther fractionize becomes independent for IT branch model, output of financial science and technology, group confluence 3 kinds.
It is IT branch independence. Basically be come by transition of group of the IT branch of banking orgnaization, IT, the delegate is science and technology of science and technology of the finance that establish a letter, the people's livelihood. Bank IT branch is company of financial science and technology independently, it is to got used to the demand of drive of financial skilled personnel. It is especially in state-owned and large commercial bank, the opposite become rigid of system of reward of firewood of interior of be enslaved to be enslaved to, the performance of science and technology talent examines, the respect such as setting of firewood fulfil pay needs demand of ceaseless joint market particularly.
2 it is financial science and technology output. Use oneself capital and technical dominant position, provide service of financial information cloud and technical support, outside offerring technical solution except the travel that it is a mother, the bag outside be enterprise of orgnaization of financial a person of same business, civilian battalion, small small company to offer a technology at the same time serves. The delegate counts Zhang of one of gold, finance to connect to start line of business, Zhao Yinyun is achieved.
3 it is group confluence model. Basically provide the company of financial science and technology of the service for business of group interior banking, locate to make group finance science and technology zoology is encircled, adopt platform of financial science and technology build, implementation group develops in coordination. The delegate is optical old science and technology.
3. is spent from dimension of product type of service look, cent serves for extroversion model serve with introversion model two kinds, majority is given priority to with offerring the cloud to serve a solution.
From government-owned net setting circumstance looks, restful, promote the network of official of company of financial science and technology that business of course of study, action creates 3 times to make excellent, information is abundant get convenient, serve for extroversion model. And big, the people's livelihood creates the Construction Bank, light of short duration of company of financial science and technology did not open government-owned network, from exterior get pertinent information relatively disadvantageous, serve for introversion model.
Look in technical research and development and applied position level, company of science and technology of much home banking is given priority to with offerring the cloud to serve, make cloud platform in succession. For example, financial one Zhang connects offerred solution to also include cloud of insurance of intelligent bank cloud, intelligence and intelligence to invest the cloud. The cloud service system of gold of the number that start line of business includes bank cloud, Pu Huiyun, blame cloud of Yin Yun, several gold, and, what the basis serves a target is different, still can undertake domain fractionize. Zhao Yinyun is achieved roll out calamity of financial foundation cloud, cloud equipment is solution, medium safety of exit of service of the cloud on business of small bank Internet, Internet mixes the cloud the solution. At present business also incorporates science and technology of the people's livelihood cloud of financial cloud, industry cloud, different course of study, in coordination the cloud. In June 2018, cooperate into the strategy with A Li Yunda, will promote technology and the solution such as distributed framework, big data and artificial intelligence jointly. In May 2018, optical old science and technology represents smooth big group and Tecent group label to make an appointment with respectively with Tecent cloud, hold water jointly " light is big, lab of innovation of Tecent finance science and technology " .
The bank fastens analysis of case of company of financial science and technology
(one) one of case analysises: Zhao Yinyun is achieved -- output action silver fastens finance to serve ability
The Yun Chuangcheng that enrol silver stands in Feburary 2016, it is the wholy-owned subsidiary of the bank that enrol business, its expand a definition " for a communal cloud, the financial cloud that and be one is accorded with superintends " , existing product includes service of IT SaaS of service of cloud of foundation of high quality finance, cloud security service, finance, IT to seek advice from service and foundation to carry dimension serves.
Regard financial science and technology as the company, zhao Yinyun is achieved undertake actively cooperative with Internet company, product of technology of high end of joint research and development. In June 2017, zhao Yinyun is achieved reach collaboration formally with IBM, IBM Power Systems of have the aid of, system of financial industry core migratory to high in the clouds. With the collaboration of IMB, also can achieve for Zhao Yinyun bring more exterior client resource.
(1) product and service characteristic
The principal function that Zhao Yinyun achieves is service matrix. Regard the bank that enrol business as wholy-owned subsidiary, zhao Yinyun is achieved stronger to dependence of parent company resource, also be its have relatively prominent advantage place. At the beginning of holding water, zhao Yinyun achieves personnel to come from the business at action merchant bank and IT branch entirely. Current, the product research and development that Zhao Yinyun starts basically also is based on is finance to enrolling business service ability undertakes conformity, include retail faculty, trade finance of bank, consumption, straight sell a bank (cast financing) wait for a service.
In addition, zhao Yinyun is achieved offer Wu of kimono of technology, product to orgnaization of a person of same business, also be its main task. Current, the client that Zhao Yinyun starts includes commercial bank, stockjobber, finance to rent orgnaization of grade of company, credence, tripartite to pay an orgnaization to wait. Zhao Yinyun is achieved through integrated oneself finance and technical natural resources, compose establishs finance communal cloud, provide a service for orgnaization of a person of same business, get agglutinant stronger service earnings, realize commercial value.
Current, the product service that Zhao Yinyun starts is divided in all it is 3 kinds, it is financial foundation cloud, financial business cloud, special respectively seek advice etc.
Financial foundation cloud kind the product basically includes financial foundation cloud equipment of calamity of service, cloud is solution, medium safety of solution of safety of exit of small bank Internet, SOC and safe carry dimension; Financial business cloud kind the product basically includes Internet to cast financing platform solution, sale to serve solution, polymerization to pay technology of solution, Fintech platform; Special seek advice include center of IT program and data center program, data to serve ability maturity solution, superintend accuse unifinication to plan to wait.
(2) company dominant position and successful reason
It is to have all-around the service ability that integrated action silver is financial domain. Include retail faculty, trade finance of bank, consumption, sell a bank continuously (cast financing) wait for a service, have undertake to orgnaization of a person of same business all-around the capability that offers financial business solution.
2 it is to realize service of cloud of financial science and technology to change, the finance of the department that enrol silver service ability has inside embed, output to orgnaization of a person of same business.
3 it is the moving practice with long course of management of data center service, the maturity GB that blended in center of advanced data of many 20 home to manage experience gets be admissived extensively, in the on the safe side on the technology.
4 it is to rely on the bank that enrol business, have capacity of powerful manufacturer resource conformity.
(3) the challenge that face
Current, serving as definition of one each body to be is " accord with superintended finance communal cloud " platform, zhao Yinyun achieves the challenge that faces 3 sides.
It is to face the competition that comes from Internet to tie company of financial science and technology. At present Internet is fastened and firm of banking of bank department science and technology is growing ceaselessly at present, mutual competition pressure is greater.
2 it is interior moves be faced with technical risk. Its manage huge finance data, raised very tall requirement to the security of data.
3 it is the risk that comes from superintendency respect. Former silver-colored inspect can believe division department project of communal to banking cloud is examined and approve strict, the cloud on every project wants to be examined and approve alone. Regard the finance that has major effect to national economy safety as course of study, especially banking, superintendency layer stems from cautious attitude, the estimation inside short to the data security of banking time cannot appear older policy changes direction, and once do big, will naturally be paid close attention to by superintendency more. Accordingly, business of communal cloud platform extends its finance, can be superintended the influence of the manner.
(2) case analyses: Financial one Zhang is connected -- make financial science and technology serve ecology group
Financial one Zhang is connected is company of service of science and technology of the finance below restful group division, held water in December 2015. The net that occupy an official introduces, at present the company has stuff more than 1300, among them science and technology and product group have 700 more than person. In employee 53% come from company of Internet science and technology, 22% have finance to be experienced from course of study, 10% come from abroad. One Zhang connects finance to open operation of limited company of financial science and technology by Shanghai one Zhang at present, the shareholder that Shanghai one Zhang tells tells limited company of intelligent science and technology for Shenzhen one Zhang, the large shareholder that Shenzhen one Zhang tells is Shenzhen restful finance science and technology consults limited company (the wholy-owned subsidiary of restful insurance) .
(1) product and service characteristic
The core technology such as platform of catenary of the artificial intelligence that financial one Zhang connects use oneself to lay in, big data, area piece, cloud and financial application, offer cloud of insurance of intelligent bank cloud, intelligence, intelligence to invest the product such as the cloud to serve for financial orgnaization, made sale, wind accuse for financial orgnaization, product, service and operation offer a solution, promotion of help finance orgnaization obtains guest, wind to accuse, ability of product, customer service, operation.
1. " intelligent bank cloud " it is the service of financial science and technology that in facing, small bank exports. Should edition piece includes 3 services module, it is Internet respectively retail bank serves module, module of service of banking of medium and small businesses and asset of a person of same business trade service module. Every module all includes sale, product, service, wind to accuse to mix operation the solution of 5 respects, can offer custom-built retail bank builds the Internet that change reach operation service, platform of one-stop service of banking of medium and small businesses and product the asset of rich, on the safe side trades service platform.
2. " intelligent insurance cloud " it is with intelligence attestation, intelligence shows official estimate of compensate, intelligence to be core, the insurance science and technology that building the whole world to precede hard serves platform. This platform is based on AI technology, it is characteristic interactively with what the line on the line falls, science and technology of promotion insurance industry applies a standard. Small insurance company can use inferior cost and advanced insurance science and technology in conform, drive insurance to accuse in efficiency, wind thereby, the respect promotion such as experience of cost, client.
The data that 3. intelligence invests the cloud to have magnanimity, real time, intelligence to change (include combination of interest rate, exchange rate, investment, politic information to wait) analysis, business appreciation service includes certificate of be in harmony of PB business, financing, intelligence to cast grind etc, provide the whole technological process, platform application that carries end, cover product management, asset management, buying operation, liquidation, wind to accuse to wait.
(2) company dominant position and successful reason
It is the service covers range wider. Its develop a target to depend on making full-scale financial science and technology serve zoology to encircle. Capture the core competition ability of financial orgnaization, be in respectively obtain guest, wind to accuse, product, client, operation 5 big fields, made the service plan of poor dissimilation. Serve through providing all-around finance, can form closed circuit of industry of financial science and technology, be helpful for financial one Zhang telling a customer group outspread.
2 it is a technology reserve is stronger. Its have the capacity of advanced science and technology such as platform of catenary of stronger artificial intelligence, area piece, cloud, biology identifying, research and development gives channel, product, wind to accuse, the product of financial science and technology below the numerous setting such as service, operation, can apply extensively at domain of finance of etc of bank, safe, investment, orgnaization of be in harmony of the Xiaojin in the help uses advanced financial science and technology with inferior cost, promotion intelligence changes management standard.
3 it is positive research and development puts in new product rapid, home and cross condition collaboration ceaseless development. On July 24, 2018, financial one Zhang is connected hold plan of Gamma intelligence sale to experience congress and product news briefing, make public solution of sale of Gamma artificial intelligence first to the industry; With the month, financial one Zhang connects a success to obtain hire the technology that is platform of financing of Hong Kong trade to serve a provider, for the production of this platform deploy provides support, the condition that is first be born of this company project of outskirt piece catenary; On August 10, zhang of one of the finance below Chinese restful banner is connected with cropland of blessing of group of blessing cropland automobile financial collaboration was released " blessing gold ALL-Link system " .
(3) business mode analysis
It is to pay attention to a line next extending. In countrywide each district is being combined by restful group below the guidance that does in Shenzhen city finance, small bank is initiated jointly hold water " in finance of small bank Internet (Shenzhen) allied " (English abbreviate IFAB) , political situation of classics Shenzhen citizen is registered register, secretariat is set in financial one Zhang to connect. At present member dimensions already exceeded 230, set committee of industry of 6 three-year institution of higher learning (committee of committee of committee of strategic management committee, mobile interconnection committee, business of a person of same business, risk control commission, small small company, financial science and technology) , with ACTIVE6 each other cooperative guiding principle is criterion (each other admits, interconnection, help each other, each other is connected, each other letter, each other is enjoyed) in devoting oneself to to help a member promote ceaselessly, level of science and technology of small bank finance reachs business innovation capacity.
2 it is amount of the Cooperation Agency on the line considerable. China is restful annals showed 2017, one Zhang connected finance to had been orgnaization of silver-colored finance of 1890 468 banks, blame to provide a service 2017, annual a person of same business trades dimensions breaks through 10 trillion yuan.
3 it is science and technology of deep ploughing finance, exploration applies setting, output an advanced technique outwards. Financial one Zhang connects the crucial technology of pair of finance science and technology to have thorough research, capture financial science and technology " use in finance, be in again science and technology " characteristic, finish reserve of more advanced technique, for the farther application of financial science and technology will lay solid foundation henceforth.
(3) case analyses: Gold of the number that start line of business -- begin diversity strategy distribution in order to build industry cloud for core
Gold of the number that start line of business is home establishing the earliest bank is company of financial science and technology, from the partner at the beginning of holding water the structure can see, gold of the number that start line of business is a more open orgnaization, partner by the fortune that start line of business (occupy 51% ) , Shanghai times far (employee holds a platform, occupy 19% ) , Fujian the New World-the Americas (occupy 10% ) , Gao Wei amounts to software (occupy 10% ) , Shenzhen gold card (occupy 10% ) composition, benefit at realizing resource complementary.
(1) product and service characteristic
Face the market risk that communal cloud may cause, gold of the number that start line of business is development target fixed position make industry cloud. Industry cloud also is not will change on cloud of the service below the line merely, still include the resource on integrated cloud, offer more professional technology to output plan. Here the target falls, gold of the number that start line of business began diversity strategy distribution. Gold of the number that start line of business passes pair of trade demand to undertake fractionize, offer specific aim technology to serve program. Gold of the number that start line of business still has a more glaring shop sign -- cloud of industry of banking of the first OpenStack.
In the strategy of industrial Internet banking that beginning course of study to count gold, basically have 5 big product line: The biggest product -- " hold sword person " , basically be the electronic note market of layout. The 2nd old product -- " ancient bronze mirror leaning on a day " , basically be business of layout electron contract. The 3rd old product -- " timely rain " , basically be the layout that supplies catenary finance, it is base point with core business, the medium and small businesses that swims up and down to industrial catenary through core business is done endorse and the grade of active credence, solve the problem with difficult financing of medium and small businesses. The 4th old product -- " all over the sky gold " , basically be financial capital match platform, its backside is capital exchange namely channel capital exchange, it can be helped " timely rain " wait for a product to undertake on-line is sold. The 5th old product -- " wisdom dominate the world " , basically be big data platform.
(2) company dominant position and successful reason
Gold of the number that start line of business can provide a variety of different services such as IaaS, PaaS, SaaS for a person of same business, still have the center of the service that allow calamity, exclusive fictitious data that is aimed at the orgnaization that be not silver even (VDC) , and shirt-sleeve the service of high in the clouds of technology of area piece catenary, artificial intelligence. In PaaS layer, gold of the number that start line of business offers finance to establish a service, in account, attestation, pay the software application that waits for many fractionize the domain, build application in order to take the kind of building blocks, the software that provides a fragment to change serves. In SaaS layer, will serve careful melt into 8 kinds big, according to bank dimensions different, offer poor dissimilation to serve program. In the light of town business, farming commercial firm offers Yunteng program, offer wind in the light of civilian battalion bank gallop plan, offer astral collect program in the light of bourg bank.
Those who depend on gold of the number that start line of business is professional, and the administrative ability to IT risk, help a person of same business accelerates the rate of the line on new business, reduce IT cost, avoid business risk to wait. Promoting course of study to count what gold outputs is a technology not just, still have financial administration ability and experience. Back starts the business of trade bank diversity, with in small bank cooperates, the financial orgnaization that exports the financial product with rich oneself 23 class city and country.
(3) the challenge that face
It is current the pattern of cloud of our country finance, basically be the tripartite contention that serves business, bank to fasten subsidiary dominant by Internet orgnaization, traditional IT. Compared with Internet tycoon advance triumphantly, the bank that just rises abruptly nearly 3 years so like gold of the number that start line of business fastens subsidiary to be sent, market impact and client are enclothed rate is temporary still with Internet the department contends. The bank fastens company of financial science and technology to enter stage by stage, be in show level and character, pattern entirely different, less than far still dividing up cake of financial science and technology when.
The 2 extensive development that are the technology such as area piece catenary, overturn to what the business such as electronic bill brings the concussion that the gender innovates. Hold testimony of sword person bill governs on somebody's behalf the system is rolled out by research and development of gold of the number that start line of business, safeguard phone bill trades safe, solve the electric bill between the enterprise to be on the move credit risk problem. The development of prospective more new technology, the demand that also means product iteration and industry industry to upgrade is accelerated, to the bank company of department finance science and technology raised taller requirement.
Problem and look into
(one) the problem that company of science and technology of bank department finance exists
On one hand, constituent framework and company processing are not quite agile. Be subordinate to belongs to a commercial bank to organize a system, in division layer administrative system falls, banking Wu is decision-making often flow is more, need layer upon layer attributive to examine and approve. And ten thousand changes in the twinkling of an eye of market of financial science and technology, demand of decision-making to business efficiency is higher. Company of science and technology of bank department finance administers a respect in constituent framework, company, still need to have very big adjustment space.
On the other hand, respect of measure of innovation of science and technology shows inadequacy a bit. From the government the introduction of the website can see, current, the limits of the product dabble that company of science and technology of finance of each bank department rolls out all very extensive, service object also almost include whole money market. With do poineering work model company of financial science and technology devotes oneself to to make " small and essence of life " explode paragraph product line is diverse, modes of life and relation to their environment of banking of overall in the beginning of hold water position encircles company of science and technology of bank department finance. Besides the brand dominant position that uses traditional bank, still show inadequacy a bit in the ability of respect of measure of innovation finance science and technology.
(2) foreground of future of company of science and technology of bank department finance is looked into
Future inside period of time, the amount of company of science and technology of bank department finance can appear the development trend that increase by degrees. Only 2018 first half of the year, have bank of construction bank, the people's livelihood two banks created company of financial science and technology. Other although many commercial bank did not establish the company that legal person controls to run project of financial science and technology, but established department of career of financial science and technology in succession. Among them, it is typical delegate with selling bank pattern continuously.
The bank fastens the occurrence of company of financial science and technology, be commercial bank transition is direct reflect, prime cause depends on overcoming sex of system of commercial bank interior to restrict, insist to commercialize the principle of operation, offer company of financial science and technology more comfortable development environment. But the project that the transition itself of the commercial bank is a long-term sex, arduous sex, the company of financial science and technology that sets newly still should be restricted by existence condition. Go up in administrative pattern especially, serve demand to get used to the finance of Internet market, ground of need bold and resolute undertakes changing. It is core in order to improve efficiency of operation of company of financial science and technology, use compressed the administrative pattern that change, make company of financial science and technology to can realize the market main body of independent operation truly.
In respect of innovation of financial science and technology, the bank fastens company of financial science and technology to be able to make core product, deepness research and development has in some technology domain. Meanwhile, the bank fastens company of financial science and technology to be able to use the brand dominant position of oneself, active and active undertake cooperative with the company of burgeoning finance science and technology that has technical advantage more, both sides can realize resource in collaboration complementary.
However, why to no matter use,plant company of science and technology of mode operation finance, the product that research and development gives to accord with money market demand truly just is those who have core competition ability reflect. Current, financial science and technology also is heat topic, but key or the applied setting that should find method of financial science and technology.
What can foreknow is, future will have more banking blend in the tide that financial science and technology develops, run mode ceaseless also trend is efficient, mature, perfect, to banking can last in times of information science and technology development is offerred solid base and prop up.
