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蚂蚁·京东·铜板:区块链助力建设共赢Techfin
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Topic: 蚂蚁·京东·铜板:区块链助力建设共赢Techfin (Read 177 times)
y0724696langsong6
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蚂蚁·京东·铜板:区块链助力建设共赢Techfin
April 08, 2017, 12:21:15 AM
#1
(原标题:Techfin强调以科技服务金融 区块链助力解决金融信任难题)
日前,蚂蚁金服宣布未来只做tech(技术),帮金融机构做好fin(金融),高调转型Techfin。此前,蚂蚁金服CEO井贤栋也公开表示,“金融的核心是管理风险,而Techfin是用技术、数据能力去助力金融创新,服务普通消费者和普通商户,提升金融机构的风险管理能力。”
区块链最早在金融领域掀起了应用浪潮,成为风控管理的“铁栅栏”。井贤栋在达沃斯经济论坛上曾表示支付宝“一定”会引入区块链技术。在这一领域,国内领先的智能财富管理平台铜板街也走在了市场前列,以区块链为核心的Oak(橡树)安全防护系统,全面提升了平台风控能力,引领了行业风控升级。
Techfin更突显平台属性
什么是Techfin呢?就是“技术”(Technology)+“金融”(Finance),直白的说,就是技术服务金融。在普通人看来,这不过是玩概念——Fintech的概念,在美国已经玩了十余年,一整套的行规和惯例都已经形成,以京东金融为代表的国内互联网公司也沿用了这一概念。蚂蚁金服将两个单词颠倒一下前后顺序,意义到底在哪里?
在业内专家看来,无论是Fintech还是Techfin都反映出金融科技的本质要求,即以数据为基础、以技术为手段,帮助金融行业提升效率、降低成本。蚂蚁金服相关负责人则表示,Techfin更重视技术,不再强调做自己的金融产品,更多地是希望用互联网公司的技术能力跟金融机构一起来完成风险评估、定价的重新构造。
此前,京东金融也明确表示“不跟传统金融抢生意”,强调金融科技能力的对外输出。
铜板街则在去年升级为铜板街金融科技集团,“无论外界环境如何变化,铜板街一直做的事情就是资产资金的中介对接平台,既不是资产端也不是资金端。”铜板街创始人、董事长兼CEO何俊称。铜板街定位为科技公司,致力于和银行、保险、券商为主的金融机构一起,根据他们未来的战略方向和变化,通过科技服务使之更贴近小微市场。
从这个角度讲,蚂蚁金服、京东金融、铜板街等平台和传统金融机构的关系,是合作不是竞争,是建设性的共赢,不是颠覆性的破坏。在这一理念倡导下,三大企业均做得风生水起。最近,蚂蚁金服推出基金自运行平台“财富号”,京东金融开放ABS云平台,而铜板街则开发Oak(橡树)安全防护系统,将区块链技术手段用于提升互联网金融的风控能力,更好地为金融机构服务。
区块链成Techfin落地重点
信任是一切金融服务的基础,风控是解决信任问题的重要管理机制之一。
如何更好地服务金融机构及用户?区块链最早在金融领域掀起了应用浪潮,它所包含的去中心化思想和分布式账本特质,引领了互金行业风控升级。在应用层面,区块链的安全、透明、高效3大优势,使其特别有助于规范互联网金融的发展,在风控方面的实践尤为瞩目,大大减少了人工核对的成本,提升了互金风控的效率和安全性。
井贤栋此前表示,支付宝在12年前推出,从一开始就是为了解决买卖双方的信任问题,确保交易顺利进行。在达沃斯论坛上,当问及蚂蚁金服是否会通过区块链技术支持支付宝的发展,井贤栋回答是“一定的”。
除了在支付领域的应用,今年2月底,铜板街已率先上线安全防护系统-Oak(橡树),将区块链技术成功应用到账户校验和防篡改中,极大提升用户账户安全性能,这也是业内首次将区块链技术应用于反欺诈信息共享和数据存储的应用落地。
“去中心化和信息的不可篡改是区块链两个最突出的特点,作为存储和共享数据的新技术,这为解决网络安全问题提供了一种新途径。”铜板街相关负责人表示。该系统优势在于,采用区块链技术实时记录外部表的变动历史,使得一切篡改都能被发现;同时对外部系统透明,不对外部系统有任何侵入。
与此同时,铜板街还积极加强同业间区块链的交流与研究,并与去年10月加入上海区块链技术应用联盟,成为联盟理事单位成员。何俊表示,“区块链技术能够低成本地解决金融活动中的信任难题,增加在交易过程中的信任、安全和隐私,为财富管理保驾护航,在服务金融机构和用户的过程中,实现风险管理服务升级。”
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Re: 蚂蚁·京东·铜板:区块链助力建设共赢Techfin
April 08, 2017, 02:16:07 AM
#2
确实需要底层建设者
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