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What opportunities and challenges brought to the financial industry?

via:新浪科技     time:2021/10/21 23:01:11     readed:122

China New Network Beijing October 21 (Ding Heng) With the continuous development of financial science and technology innovation, the domestic economic finance gradually entered the digitalization, promoting the continuous number of upgrades to the payment industry, and the new crown pneumonia epidemic situation, further accelerated this A process. On the 21st, focus on "payment + technology, communication industry digital transformation", the first financial science and technology Jinxiu Forum held in Beijing.

Shaoqi, secretary of the China UnionPay Party Committee, and Chairman Shaoqi said that in the face of the opportunities and challenges brought by digital to payment industries, China UnionPay is further strengthened while doing a good job of digital transformation, and jointly strengthens the industry and jointly cope with the change of digital era.

In recent years, industries such as commercial banks and payment institutions have done a lot of work in digital transformation, driving cost reduction, efficiency improvement, corporate optimization, and model innovation have achieved a series of achievements. China UnionPay puts digital transformation as future priority strategic choices, and continues to accelerate the pace of transition.

First, build digital business products, pay the banking mobile unified payment app "cloud flash" as an important carrier for digital transformation, and currently registered users have exceeded 430 million.

The second is to strengthen the construction of scientific and technological data. In September 2020, China UnionPay issued the financial level UnionPay cloud service, built and upgraded UnionPay cloud ecology. At present, 82 cloud products have been launched, and more than 200 internal and external institutions have been launched.

The third is to upgrade the transfer clearing system capabilities, start construction of UnionPay third-generation systems with digital service systems and payment capabilities.

The fourth is to do a good job in financial science and technology pilots and develop bank financial science and technology innovation.

The fifth is actively playing platform role and constructs the National Financial Science and Technology Evaluation Center. In addition, the only domestic e-commerce and electronic payment country engineering laboratory, the People's Bank of China Finance Science and Technology Research Center is located in UnionPay.

Shaoqi said that digitally brought opportunities for development opportunities to pay for the payment industry, including some challenges, including the understanding of industrial change, positioning of role relationships in all parties, and the required capabilities required for digital transformation should be further enhanced. These are not only the problems facing UnionPay development, but also the common problem of the entire payment industry in the digital transformation process.

For the above challenges, Shaoqi emphasizes that the linkage with the industrial parties should be further strengthened, and jointly cope with the change in digital age: the exploration of new partnerships in digital times, build industrial resource sharing platforms and rich ecological levels, and achieve cooperation, symbiosis Win-win; second, explore the distributed architecture transformation based on cloud computing technology, jointly build financial integrity sharing infrastructure, realize inter-institutional interaction, and promote the development of digital financial infrastructure, and focus on adding digital divide; Continuous R & D Promotion Based on Card Machine and Bed All-Link Digital Comprehensive Solutions, support industry digital, scene, and integrated customer service capability.

Academician of the Chinese Academy of Engineering, the chief scientist of the wave pointed out in the forum, the current whole society is in the accelerated period of digital transformation. As the basic industry of the national economy, the financial industry has always been in the preceding, big data, cloud computing, artificial intelligence, block chains and other new technologies, and the financial industry's digital transformation is more and more solid. The demand for financial services is in high-efficiency, boundary, precision, personalized transformation, but also proposes higher requirements for financial science and technology.

Wang Weidong said that society has become an important carrier of digital economy from informationization to intelligent transformation. It should be said that smart calculations are both the core components of the digital industry, but also the core driver of digital transformation of traditional industries. "The more developed countries with smart, the faster economic development; which province's calculation infrastructure is deployed, the greater the economic vitality."

He suggested that it is possible to achieve the joint efforts of various institutions in the financial industry, such as the development of integrated infrastructure standards in the financial industry, realize standard first, aggregation industry chain, upstream and downstream enterprises, and open the ecological platform for digital transformation for financial industry. Building an open ecology.

Wang Weidong said that in the past ten years, China's digital economy has developed rapidly, and information technology has promoted the change and innovation of China's financial business model, helping China's financial enterprises have entered the global forefront, and China's IT companies have also achieved great development. In the future, I hope to play a different advantage through domestic financial institutions and domestic IT companies, combining technology and application scenarios, promoting the development of IT technology to financial industry, promoting financial technology more effectively improves productivity, more effective service The development of the entity economy.

Pan Runhong, secretary general of Beijing Financial Science and Technology Industry Alliance, said that it is necessary to adhere to the healthy and sustainable development of financial science and technology, actively explore the new development concept of financial science and technology innovation, implement open, cooperate, and win-win, and put forward four persistence: innovation is sail, Strengthen financial science and technology innovation supervision; with data as load, deepen user personal privacy protection; use technology as bones to improve the popular financial service experience; At the same time, deepen cooperation, form industrial cooperation, and deepen financial reform contribution for financial services, prevent financial risks. (Zhongxin Financial Studio)

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