Article ／ " weekly of country of finance and economics " Liu Qiuna of Wang Tingting of reporter Wang Lijuan
Financial industry is occurrent historic change. Wait for new technology in catenary of computation of big data, cloud, artificial intelligence, area piece drive below, the confluence of traditional banking orgnaization and burgeoning finance orgnaization is more and more apparent, show mode of a new financial product, finance and financial modes of life and relation to their environment.
Chinese economy already got lost high quality to develop level by high speed development, financial industry also becomes crucial to high quality development. Compatible the new finance that includes, become our country to reform financial system mechanism, perfect finance infrastructure and breed finance the motivation of condition of whole new life.
On December 1, sponsor jointly by Wang Zhiku of weekly of country of finance and economics of Xinhua News Agency, Bing " the 3rd (2018) forum of height of Chinese new finance " hold in Beijing. Many 40 finance personage that comes from superintendency orgnaization, finance orgnaization discusses the development of financial industry high quality under revolution jointly.
Anew in light of the prominent dominant position that finance expands, high speed becomes state of long new banking industry, in supportive substance economy, development expression of be in harmony gets Pu Huijin more efficient, more comprehensive. Meanwhile, regard new banking industry as a fundamental strength in voice, the development of financial science and technology changed condition of traditional banking industry not only, also brought new superintendency zephyr to control difficult problem.
Accordingly, this second congress parts around " the financial responsibility that hypostatic economy revitalizes " , " use good finance science and technology ' Shuang Renjian ' " , " new way of finance of digital general benefit " , " risk bottom line and lasting effect are superintended " 4 big topic for discussions undertook sufficient.
Promoting substance is financial bounden duty
Finance is the hematic arteries and veins of hypostatic economy, serving hypostatic economy is financial bounden duty.
To this, country of the State Council endowment appoint vice director Xu Fushun thinks, make full use of company of financial industry service grows, drive better advocate course of study is done ceaselessly strong, become actor, make choice, should accomplish the following at 3 o'clock: Want to insist to be produced with hurried of be in harmony, base oneself upon advocate course of study, industrial, boost tie yield be in harmony; 2 because look forward to uses strategy,should hold to, in the center of rigid standard business banking business. The fundamental condition of business of banking of different business development, feasibility condition is endless and same, exploration begins classified government, because look forward to uses strategy; 3 it is to hold to a problem to direct, control financial business risk strictly. Build the risk segregation between finance and industry, guard the bottom line that does not produce significant risk stoutly.
"Finance helps the motion of actual capital and loop only, just create new value possibly; The financial activity that supports hypostatic economy only just is good financial activity; Fall in the premise that be on guard and dissolves financial venture only, build good financial environment and modes of life and relation to their environment, ability supports hypostatic economy better. " Xie Yanfei of floorwalker of institute of policy of the silver-colored meeting that keep watch says China.
Academy of economics of new supply of an ancient name for China is presiding economist Gu Kang thinks, the play of financial function, want to be reformed through deepening financial supply side namely, hold good finance innovation. In countrywide finance working conference emphasizes finance be the hypostatic economy service, measure that should coordinate with be being coordinated with all possible means to be on guard systematization risk, reach should deepen financial reform, perfect market restrains a mechanism, expand open, below the guidance that improves efficiency, should have overall situation view, big superintend, big frame, develop financial function, be on guard risk.
Regard the finance with hypostatic economy contact with as the orgnaization, a few personages attending the meeting also combine oneself to experience refer instantly substance economy especially the difficult problem of civilian battalion enterprise and broken Jie Zhidao.
Chinese financing assures Wu Lie of Cheng Da president is filled with to enter in the vice-chairman of association, Guangdong think, civilian battalion enterprise cares two big questions most now: Above all, in cost of small small company rises high, civilian battalion economy is on taxation, there still is bigger improvement on cost rate space; Next, should the problem that exert oneself solves confidence of civilian battalion economy to be not worth, the means that uses legislation protects the innovation consciousness of entrepreneur and earning property.
In civilian cast Asian president to hold president Wang Dongzhi concurrently to put forward, finance supports hypostatic economy to should note two respects: On one hand, accurate union site should seek between finance and hypostatic economy, the commercial pattern that financial orgnaization wants to understand hypostatic economy already and run the rule, should notice to press again need to put borrow; On the other hand, the enterprise should notice to run strategy, from advocate course of study sets out perfect industry chain, cannot excessive and dispersive manage.
Regard new finance as the delegate, appropriate believes company author to hold CEO Tang Ning concurrently to think, new economy asks new finance matchs to it. New finance is the poineering investment that is different from a bank and venture capital investment, they can accompany medium and small businesses 10 years above, real support medium and small businesses undertakes long-term high risk blazes new trails, can expect small small company becomes next Gu Ge and Microsoft in one part. Meanwhile, ask for the be born be vividly portrayed that believes a system, to leaving one stage in individual and small small company, industrial and commercial door, the capital of farmer is gotten, the risk prevents the content that accuses to having essential sex.
Shandong exquisite tire serves as full-court exclusive delegate of a hypostatic economy, this company vice president holds Dong Bi Ma Yuechuan concurrently to mention, 2018 second half of the year, automobile industry appeared to glide at high speed, demand is carried somewhat cut, at the same time price of upriver raw material rises continuously, under two converging attack, cost controls special key. She suggests, financial orgnaization can reduce financing cost to be decreased further for hypostatic economy negative. In the meantime, suffer international situation effect, financial orgnaization can be in cross area banking to go up to go to sea for ethical company offer depth more second service.
Financial science and technology " Shuang Renjian "
Financial science and technology regards instantly banking industry as trend of the clearest a development, how to produce risk of industry of technical advantage, avoid effectively, it is derive Internet finance after developing experience and lesson, be worth the problem of the consideration most.
National finance and Li Yang of development lab director think, chinese science and technology develops today, traditional financial system cannot provide a few services, must develop general benefit banking energetically on base of development of financial science and technology.
Li Xiaopeng of big group president puts forward Chinese light, go a few years, internet drives finance and development of confluence of science and technology to make a trend, finance and science and technology are being moved toward from the confluence of low frequency low administrative levels high frequency all-around shirt-sleeve development. Incorporate is " 5 change " : Pay shift to change; The system is open change; Platform zoology is changed; Service setting is changed; Wind accuses data to change. Be based on this, smooth big group was made new in long-term development strategy, have 3 great transition around nimble, science and technology, zoology.
Bureau of national exchange control always manages director Sun Tianqi also reminds accountant, integratedly, financial science and technology can breach market barrier, stimulative money market is open, the near future " cross area banking to serve " already became a state between bilateral the discussion key that negotiates from trade agreement. But financial science and technology also is met encourage is crossed condition break the law violate compasses provide financial service, bring about a risk to cross condition infect. Accordingly, cross area banking service to want to be put so that leave, the canal must live, risk must can accuse, be short of one cannot.
Zhang Shaohua of deputy floorwalker of room of adviser of bank of people of secretary-general of research center of policy of banking of room of counselor of the State Council, China is special li became clear the concept of the orgnaization that sign a letter and data company, point out what the true orgnaization that sign a letter does not have big data to say, however a fixed pattern plate fills reliable, relevant, accurate, timely data, make with the member for the foundation, face suffer superintendency credit member orgnaization to provide a service, extend for credit and monitoring purpose. Under photograph comparing, data and the quality that data analyses company logarithm to occupy, dependency, seasonable sex and integrality demand are low, and the blame structure with many existence data.
The science and technology that be the same as aegis combines drive of father horse fine horse to think, a lot of new banking companies are in past is the person that innovate a few years, but cannot do ref to become a player again already, it is very important to had done indifferent tripartite. Look from current superintendency trend, superintend do not allow partial orgnaization to gain profit with capital only, do not assume corresponding credit risk however. Strict superintendency is to undertake from orgnaization of course of study better wind accuses, the venture that every participator should want to assume to oneself has proper knowledge.
Li Ben of linkage advantage CEO puts forward, tripartite pays is the domain with the more mature development in financial science and technology. Developing initiative, tripartite pays got of orgnaization of finance of user, business door, bank support with all possible means, it represented a kind of jumped-up force, can improve efficiency, improve user experience, promotion serves quality. As pay an orgnaization the competition between more and more intense, pay trade poundage gain is smaller and smaller already, innovation had made an outlet.
Future, meeting more enters financial science and technology industrial Internet or industrial Internet domain.
As the delegate of new technology, li Wei of CEO of interesting catenary science and technology to financial science and technology " Shuang Renjian " experience more apparent. "Area piece catenary is used very easily to do cross condition move, wash money, but at the same time area piece catenary also is superintended edge tool. " he thinks, area piece catenary binds all sorts of demand of each industry business together, it is Internet heavy model and innovation, also be the main technique propping up in digital economy.
Finance of digital general benefit should walk out of new way
"Want to know financial industry adequately to digitlize the principal port of transition. " Li Dongrong of chairman of association of Chinese Internet banking expresses, transition of financial industry digitlization is the inevitable requirement that gets used to contemporary productivity to develop objective law, it is the development number economy, serious content that drives changeover of new old kinetic energy, it is promotion financial service quality and efficiency, fill in structure of neat traditional business short board urgent need.
The method of digitlization is driving the development of general benefit finance to have revolutionary sense more. Li Dongrong points out further, current China finance develops lopsided, inadequate problem to still exist, small small company, civilian battalion enterprise, 3 farming with the finance that helps the domain such as deficient service level remains to promote further. Advance financial industry to digitlize transition, be helpful for deploying financial resource more efficiently the key field that develops in economic society and weak point, produce the effect of provide timely help, satisfy the requirement that people and hypostatic economy serve to diversification finance adequately thereby.
To this, li Junfeng of head of ministry of finance of benefit of general of the silver-colored meeting that keep watch puts forward China, current, still put in financial product and service means to cannot satisfy new-style agriculture and rural development requirement well, offer credit to serve cost for a rural area tall, risk is big, rural finance serves but durative face a lot of problem such as the challenge. Next, should build innovation to add letter and risk to partake mechanism, be aimed at agricultural country characteristic, innovation banking product, perfect support impawn loan product, sufficient play credit + assure, credit + safe + the risk of futures partakes action.
Agricultural country ministry plans finance affairs to manage Wang Jinchen indicates pair of inspector, height of agricultural country ministry values job of agricultural country banking, of real swords and spears-the real thing dry rise, cast with respect to what cannot leave true gold silver, current fund raises channel, devoted strength still cannot satisfy need far. Accordingly, urgent need innovation joins financing system, gather together whole society force especially financial support, will activation market of element of main body, activation, activation, breed rustic economy society the exuberant vitality of abiding development.
Henan is saved orchid the experience that takes an examination of Wang Yantao of members of standing committee of county Party committee, standing subprefect to combine finance of Lan Kaopu benefit to reform says, financial product supply is rich it is very important to change. The finance of financial accomplishment education of the cadre, people is knowledgeability wait, can help the development that promotes country, agriculture, it is " 3 farming " the main factor of development.
From the point of the angle of the orgnaization, the technology gifts the space of general benefit finance still has very big. Man red Ke Tan goes to vice president of the 100 divisions that multiply gold, general benefit finance puts in two problems all the time: One of benefit and not general, capital cost is very low, but small small company cannot get, secondly general and not benefit, namely capital cost is high, small small company hard look forward to and. Small small company needs the more convenient, quick, banking service that accords with oneself need, and financial science and technology can feel small small company loan is offerred change for a long time, but checking computations, but the safeguard method of quantitative change.
Ant gold takes vice-president Xu grand to think, itself of science and technology does not bring a risk, science and technology can promote finance the capability of product and service, but the venture that wants attention to match at the same time defends the promotion that controls capacity.
Strong superintend will still last
"The financial industry since this year is all-around open, will naturally reframe Chinese money market. " Li Lihui of former president of Bank of China puts forward, in the light of all-around open, penetrable type superintends the background that making owner of new era finance want a feature, the financial development environment that builds an efficient, stability is crucial. Among them, include 3 big main factors: Open money market, defend financial safety; Aggrandizement risk is restrained, strengthen specialization; Promotion superintends efficiency, undertake data is united.
Tu Guangshao of company assistant president, general manager is cast to also put forward in, financial high quality develops, still be faced with a lot of restrict, affected innovation of product of condition of whole banking industry, banking, finance not only, also manage to the government at the same time especially finance is superintended posed new challenge. Include among them: The development of financial big data, use and superintend; Condition of new banking industry administers a structure to pose bigger challenge to the company of financial orgnaization, especially the construction of the board of directors should be strengthened further, perfect and improve; The major that financial talent fosters is spent and systematization becomes more important.
Specific and character, in involve gold to hand in place to superintend, potential risk is superintended, regional superintend and the respect such as lasting effect mechanism, honored guest attending the meeting gave out realistic proposal.
Chinese card inspect can hit Li Zhibin of director of bureau of activity of futures of illegal negotiable securities to say, although be opposite before this of all kinds trade the place has undertaken clearing rectifying, but still put issue of a few bequeath. Accordingly, department time joint meeting is guiding in superintend and director build lasting effect to superintend a mechanism, prevent to break the law stoutly violate compasses problem resurgence. On one hand, want to make a strict limit scope of business to gold, prevent to superintend blank and cover interest; On the other hand, the whole nation is current in all many 70 amount is even cut, each provincial area in principle a category remnant, trade to showing some place this normative cogent standard, what should shut is determined shut, of this conformity steadily integrated, the deadline transition of this transition.
Chinese silver keeps watch department of can financial accounting (solvency superintends a ministry) director Zhao Yu Long expresses, the market that should build perfect finance orgnaization as soon as possible exits a mechanism. Want vigilant two big potential risks next year: "Black swan " and " grey rhinoceros " . "Black swan " it is unpredictable, and " grey rhinoceros " pay no attention, erupting suddenly bothly just is real risk. Superintendency respect, should respect general knowledge of the rule, esteem, the risk in reform still needs to be solved with the method of reform.
Government of Beijing Haidian district hires warden assistant Jin Hui to suggest especially, haidian area will plan radiate of characteristic of a capital, whole nation, home to set an example, the innovation of national finance science and technology of international standard and service center. Accordingly, can draw lessons from international to go up superintendency sandbox mode, undertake carrying a design on the head to superintending sandbox as soon as possible and serve as Haidian area pilot one of, be in macroscopical and microcosmic and careful on superintendency foundation, walk out of as soon as possible those who build condition of industry of financial science and technology to grow effect to superintend a mechanism is solid one pace.
Xiao Xiang of assistant dean of academy of standard of gold of chief of department of strategy of association of gold of Chinese each other, each other suggests, should standardize construction to drive Internet banking venture to prevent quickly accuse and grow effect to superintend. Current, association of gold of Chinese each other basically puts the respect such as contract of canal, product to undertake standardizing building from information exposure, capital, will advance individual network next leasehold, Internet blame is open equity financing, administer from company of orgnaization of course of study innovate with science and technology of built-in control, finance the metric system of the key domain such as application and safety and crucial link works surely. Should drive group level to rise as soon as possible for occupation standard, then rises further for national level.
Wu Zhen of secretary-general of committee of technologist of safety of national Internet finance suggests, undertake to Internet finance platform put one's child in a boarding nursery is in charge of, be in charge of so that live to the greastest extent, be in charge of well. Strengthen legislation to provide administrative basis at the same time, perfect measure provides crucial link, take a technology seriously to offer prop up in the round, perfect form a complete set perfects development environment.
As practitioner, nimble believes financial wind to accuse chief Li Hong to think, in strong superintendency period, consumptive banking firm should close already compasses, want to develop continuously again, the value that wind controls is highlighted increasingly. This asks to introduce new technology ceaselessly already, also need to undertake assisting assorted with the investigation below the line. artificial expert and tiring-room big data phase is united in wedlock, the investigation of will downstage flow and tiring-room is united in wedlock, the blow that leaves on-line business and line is con, prevent accuse risk photograph union.
