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中国互联网金融协会会长:中国普惠金融面临数字鸿沟挑战
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Topic: 中国互联网金融协会会长:中国普惠金融面临数字鸿沟挑战 (Read 110 times)
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中国互联网金融协会会长:中国普惠金融面临数字鸿沟挑战
June 04, 2017, 02:06:35 PM
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“根据世界银行在普惠金融指标上的最新数据,目前中国的大部分指标,均排在发展中国家的前列,特别是账户的普及率和储蓄的普及率等指标,甚至优于G20国家的平均值,”中国互联网金融协会会长、原央行副行长李东荣在“2017清华五道口全球金融论坛”上表示。
但李东荣同时指出,“虽然我们取得了这些成绩和进步,但我们国家与其他国家一样,依然还面临着普惠金融成本高、效率低、服务不均衡、商业不可持续等全球化的共性难题。”
李东荣强调,我国普惠金融面临数字鸿沟的挑战——农民、低收入人群由于往往缺乏足够的数字支持,技术与技能,容易形成不同教育程度、年龄结构、地区居民之间的数字鸿沟,导致不同群体从金融服务中获益的能力有所分化,“弱势群体对于物理网点的依赖度相对更高。一旦数字技术越来越多地替代物理网点,也可能引发技术性的金融排斥。”
除了数字鸿沟,还有风险治理的挑战。李东荣指出,数字技术的应用,并不会改变金融风险的隐蔽性、突发性、传染性和服务外部性的特征,在多维开放和多项互动的网络空间,金融风险、技术风险、网络风险更容易产生叠加和扩散的效应,使风险传递得更快、波及面更广。
李东荣在演讲中也肯定了数字普惠金融的未来发展,比如使金融血液持续流向更深、更广的经济末梢神经;有效降低金融服务的边际成本,使得小微企业、农民等服务对象能够获取价格相对合理、安全便捷的金融服务;有助于解决服务质量的难题;有助于解决商业可持续的难题。
京东金融CEO陈生强也在会上表示,普惠金融的一个重要制约因素是可负担成本问题。
陈生强表示,经济学中,企业成本有一个划分维度是分为固定成本和变动成本,成本结构的不同,让经济实体所能服务的对象的广度和深度也完全不同。
“拿金融行业来讲,如果一个金融机构固定成本低、变动成本高,那么只能去服务高收入人群和高价值的大公司,向下覆盖是不经济的。反之,如果固定成本高但变动成本低,则相对没有边际的限制,可以快速复制,覆盖更多群体,实现规模效应,这是符合经济学规律的,”陈生强举例称,“目前来看,金融机构的成本结构恰恰是以前一种为主。拿对小微企业的信贷业务来说,金融机构在获取用户、风控以及运营操作三大环节,基本上都是在依靠传统的模式——靠广告、靠地推去获客;靠人工调查来做风控;在申请、受理、授信、放款、贷后等一系列流程管理上也都是大量的在使用人工来审批和操作。如此一来,就造成了做小微信贷的变动成本过高。”
陈生强提到,再加上小微企业经营风险相对大,并且抗周期性风险能力弱,因而金融机构做小微信贷的坏账率相对会比较高。这两个因素加起来使得做小微金融盈利十分困难。
陈生强认为,科技公司正好可以助力金融机构改变自己的成本结构、并通过贷前、贷后管理降低信用风险,优化服务能力。首先,科技公司可以通过互联网的方式触达到传统金融难以触达的人群;其次,科技公司可以在生活消费和产业交易场景中获得大量的数据,这些数据真实反应了客户需求和实体经济的产销情况,通过这些数据+风控技术可以去做风险管理与风险定价;第三,在流程运营层面,科技公司基于更好用户洞察能力、产品洞察能力,可以在交易场景中嵌入金融服务。
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