摘要
新兴金融科技"赋能"传统金融业将是当前和今后一个时期金融业创新发展的核心逻辑。作为金融科技的技术集成代表,物联网思维和技术实现了物物之间、人物之间的信息交互和无缝对接,重构了目前的金融信用环境,为金融业带来了客观信用体系,为"物联网+金融"的融合创新奠定了坚实的基础。商业银行作为金融业的第一梯队,将彻底改变传统银行业金融机构在信贷业务、风险控制、内部管理中的逻辑思维,在金融交易成本和交易效率方面实现"帕累托改进"。抓住"物联网+金融"发展大势,重构传统银行业金融机构在信贷业务、风险控制、内部管理中的逻辑,打造具有普惠化、智慧化、精细化的物联网银行将是中国银行业前沿探索和创新实践的新方向、新战略、新高地。
The traditional financial industry of emerging financial science and technology will be the core logic of the innovation and development of the financial industry in the current and future period. As a representative of technology integration in financial technology, internet thinking and technology to realize the information interaction between physical characters, and seamless docking, reconstruction of the current financial environment, bring about the objective of credit system for the financial industry, has laid a solid foundation for the integration of innovation network ＋ finance. The commercial bank as the first echelon of the financial industry, it will completely change the traditional banking financial institutions in the credit business, risk control, internal management of logical thinking, to realize the Pareto improvement of financial transaction costs and transaction efficiency. Seize internet financial development trend, the reconstruction of traditional banking financial institutions in the credit business, risk control, internal management logic, to create things with the bank, inclusive of wisdom, the fine will be the new direction, China banking frontier exploration and innovation practice of the new strategy, new heights.
出处
《长春金融高等专科学校学报》
2018年第1期62-71,共10页
Journal of Changchun Finance College
基金
江苏省互联网金融协会省级项目(FRB2017006)
关键词
物联网
物联网金融
物联网银行
internet of things
internet of things finance
internet of things bank
