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蚂蚁金服CEO井贤栋:要防止有人利用科技、互联网之名作恶
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Topic: 蚂蚁金服CEO井贤栋:要防止有人利用科技、互联网之名作恶 (Read 59 times)
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蚂蚁金服CEO井贤栋:要防止有人利用科技、互联网之名作恶
December 17, 2017, 08:56:29 AM
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“永远要把对金融消费者的保护放在最重要的位置上,只有这样才可以持续,创新才有意义。我们要防止有人利用科技、互联网之名作恶。必须一方面坚决创新,一方面要防止劣币的风险。”蚂蚁金服CEO井贤栋在12月16日举办的首届钱塘江论坛之金融科技峰会上如此表示。
近些年,由互联网、大数据、云计算、区块链等构成的金融科技迅猛发展,深刻改变金融发展格局。但就在传统金融机构和新兴互联网公司纷纷将目光瞄准金融科技的同时,日新月异的变化又带来了诸多潜在的金融风险。
谈风险:除了ICO,还要警惕新变种IFO
风险往往与创新相伴随。
蚂蚁金服董事长彭蕾在首届钱塘江论坛做主旨演讲
蚂蚁金服董事长彭蕾在首届钱塘江论坛做主旨演讲时强调,一个商业模式的背后其实需要强大的技术力量,尤其对金融科技而言,它的风险控制的能力会决定它能够走多远,风控是决定它能够做多大很重要的前提,我们不能只看到发展而忽视风险。
金融史上从来不缺少骗局。井贤栋表示,有些人拉一根网线也叫互联网企业,也叫金融科技,各种庞氏骗局非常之多。首先要警惕不法分子用区块链技术伤害消费者,随着比特币等数字货币价格飙涨,ICO(首次代币融资)项目也一哄而上,这些潜在风险不容忽视。除此之外,还要警惕ICO的新变种IFO(Initial Fork Offering),即利用区块链分叉技术产生新的代币。
“永远要把对金融消费者的保护放在最重要的位置上,只有这样才可以持续,创新才有意义。我们要防止有人利用科技、互联网之名作恶。必须一方面坚决创新,一方面要防止劣币的风险。”井贤栋说。
谈未来:更多会以家庭客户需求为中心
上海市互联网金融行业协会会长万建华在金融科技峰会上指出,如今金融科技创新发展的一大重要路径,就是主流金融机构主动投身金融科技的创新变革。金融业的科技进化,符合“适者生存”的法则。
“说到金融科技,社会上一直有种声音,认为它给银行带来了前所未有的冲击。但我认为,金融科技的发展同样给银行业带来了新的机遇,将极大地助力银行提升服务实体经济的效率。”浙商银行董事长沈仁康在首届钱塘江论坛之中国经济与金融峰会上恰恰如此表示。
首届钱塘江论坛之中国经济与金融峰会
沈仁康以浙商银行举例称,该银行推出的“点易贷”产品,通过整合人脸识别、大数据评分模型、自动解析征信等多种技术,小微企业可直接通过手机APP快速完成贷款申请,一小时就可获知审批结果,并可随时通过手机提款还款。“在金融科技的运用上,银行并不落后。”
对于科技金融的未来趋势,井贤栋在科技金融峰会上做了一个预判,即个性化的金融服务一定是一个非常好的趋势和机会,不管是理财、保险还是信贷,任何一个领域都是个性化的机会,而且未来应该是以家庭为单位的金融服务的机会。“因为我们个人是家庭不可分割的一部分,家庭视角进入金融服务也是一个非常大的机遇。”
无独有偶,复星集团也提出,金融科技最核心的就是要用技术化的手段融入产业、场景,服务于生活,未来更多会以家庭客户需求为中心。复星集团副总裁辜校旭告诉澎湃新闻记者,“如果贷款是仅仅是以一个人的资产负债去评估或许很难贷到钱,以家庭去评估就不一样,浙江台州银行、泰隆银行等这些银行通常以你家庭的情况来评估你整个风险承受能力。”
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