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中行宗良:数字货币不是简单电子化和数字化
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Topic: 中行宗良:数字货币不是简单电子化和数字化 (Read 146 times)
runningm520
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中行宗良:数字货币不是简单电子化和数字化
December 12, 2016, 04:45:04 AM
#1
12月11日,三亚·财经国际论坛在海南三亚海棠湾举行,本届论坛主题是“变局下的包容成长”。中国银行首席研究员宗良在论坛上表示,未来的整个金融科技发展或者互联网金融的发展有五个制高点。
(1)第三方支付
目前整个的规模发展非常快,支付清算是人们最日常使用的业务,每一个人每一天必须碰到的,尤其是女士感触特别深刻,原来我在家里面都是我付钱,现在都是我爱人和我女儿付钱,他们用微信都非常方便。支付清算不再是后台变成前台了,整个金融科技和互联网的背景下,性质发生了很大的变化。
(2)大数据
以互联网为基础的大数据是未来的发展方向,互联网征信的发展正好是授信体系的变革,带来的各种各样的金融业务的发展。比如阿里做的芝麻信用,还有腾讯,一是是基于人们的交易,二是基于人们的社交。
(3)区块链
所谓的原理通过技术解决整个金融发展的最核心问题,就是信用问题。
(4)数字货币
金融玩到最后一定是货币,新的情况下,货币的形势发挥了很重要的作用,我们知道数字货币既是纸币的电子化数字化,又不是简单的电子化和数字化,这中间会伴随深刻的变革,最终它一定会在这里发挥很大的作用。
(5)人工智能
人工智能再加上场景,这是未来金融科技或者叫互联网金融的发展制高点。从金融角度来讲,与互联网技术的有机融合才能取得快速发展,互联网金融与科技金融的融合,实际上是殊途同归。
对于银行发展的策略来说有四个方面:
第一,银行内部坚持落实技术革新,一定要把现代技术运用好;
第二,如果没有运用好,中间还有问题怎么办?与其他银行或者与其他金融科技的公司共同合作共同创新;
第三,假如还没有做到怎么办?觉得合适的话就直接投资金融科技相关的公司;
第四,还要注意策略,加强互联网金融平台的有机融合,没有这个平台的融合是不可能走在最前面的。
(新浪财经)
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