互联网服务重塑中國银行业
互联网服务重塑中国银行业
在互联网和银行界长达X年的整合后,中国正处在网络金融变革的顶峰.曾经各自发展的电子商务和银行信息化开始相互有了交集.
IX月I.VIII日中国网络服务巨头腾讯发布了新的网络支付平台_财付通,及移动聊天应用_微信.此项举措可使微信多达II亿的用户为网络支付生成I.种II维码,而此II维码可通过多平台信息应用进行监控.未来,用户将可以与其他微信用户完成转账业务.
两个月前,中国商务网络支付平台阿里巴巴宣布即将对除温州以外的浙江.江苏和上海地区的商务盟友开放信用贷款业务.
互联网公司拥有数据和电子商务的优势,正强势涉足银行核心业务--支付结算和信贷市场.与此同时,拥有庞大资本和信用的商业银行也不甘屈居于后.目前银行正高调涉入非传统的银行商务领域,包括电子商务和移动支付,以获取客户第I.手信息.保持客户忠诚度.及巩固和扩大银行和客户间关于存款.贷款及交流的关系.
由于第III方支付组织.电信运营商.互联网公司.电子商务企业和银行卡组织施加的压力,商务银行正果断采取该行动.
同I.天,腾讯宣布为财付通提供新的移动支付服务,中国招商银行和中国HTC共同发布了招行移动钱包".此服务是自中国移动支付标准制定后的第I.款移动支付服务.
同时,中国建设银行也将视野投向互联网公司的主业务---电子商务.VII月I.0日,建设银行的e.ccb.com"网站正式上线.直至VIII月中旬,已有超过I.000人与该服务签约,会员数更是达到I.0万.
互联网显著降低了金融业信息和交易成本.所以,有些业界人士认为鉴于银行获取的信息不对称,而信息变得更加对称,银行的价值将大大降低.
该新趋势为网络金融带来了新格局和更广阔的市场,而它不仅吸引广泛的关注,也引发了争议和担心.中国社会科信息化研究中心秘书长蒋继平说,未 *好棒文|www.hbsrm.com +Q: 3_5_1_9_1_6_0_7_2
来互联网和银行的整合将加速银行业传统运作模式的变革,银行将从强烈依赖专用资本转移到学会利用网络社会资本.这就是未来银行重建的关键.
但是,持续的网络金融变革也给有效监管带来了挑战.
全国人民代表大会财政经济委员会办公室主任王连洲告诉蔡静网络金融是I.块灰色区域,它不能被目前的监管体系所完全覆盖.适度的混合监管是I.种选择,但相关法律法规体系的变革则需要大量的时间,也需涉及很多程序上的问题.
附件II:外文原文(复印件)
InternetServicestoReshapeBankinginChina
BystaffreportersYouXi,SongWei,LiuQilin,andYuanMan
AftermorethanadecadeofintegrationoftheInternetandbanking,Chinaisonthecuspofarevolutioninweb-basedfinancing.E-commerceandbankinformatization-twoindustrieswhichoncedevelopedinparallel-haverecentlycollidedandintersectedwitheachother.
OnSept.I.VIII,ChineseInternetservicegiantTencentannouncedtheopeningofapplicationchannelsforitsonlinepaymentplatformTenPayandmobilechatapplicationWeChat.ThemovewillallowWeChatsmorethanII00millionuserstogenerateaQRcodeformobilepaymentsthatcanbescannedwiththeQRcodereaderinsidethemulti-platformmessagingapp.Inthefuture,userswillbealsoabletocompletetransferpaymentswithotherWeChatusers.
Twomonthsprior,ChineseBIIBonlineplatformAlibabaannounceditwouldopenitscreditloanbusinesstoordinaryBIIBmembersintheZhejiang,JiangsuandShanghairegions,withtheexceptionofthecityofWenzhou.
Internetcompanies,withtheirdataande-commerceadvantages,aremakingstronginroadsintothepaymentsettlementandcreditmarkets,twocorebusinessesofbanks.Commercialbanks,meanwhile,withtheirhugeamountsofcapitalandcredibility,areunwillingtoberelegatedtotheback-end.Banksarecurrentlymakingahigh-profilemoveintonon-tradition *好棒文|www.hbsrm.com +Q: 3_5_1_9_1_6_0_7_2
albankingareasofe-commerceandmobilepaymentinordertoobtainfirst-handinformationofcustomers,increasecustomerbondingandretention,andconsolidateandexpandthebusinessrelationshipbetweenbanksandcustomersindeposits,loans,andexchanges.
Commercialbankswerepromptedtomakethemoveasaresultofdirectpressurefromthefinancialdisintermediationwavesetoffbyinstitutionssuchasthird-partypaymentorganizations,telecomoperators,Internetcompanies,e-commerceenterprisesandbankcardorganizations.
ThesamedayTencentannounceditsnewmobilepaymentservicesforTenPay,ChinaMerchantsBankandHTC(China)jointlyreleasedtheChinaMerchantsBank"mobilewallet,"thefirstmobilepaymentservicetobeunveiledsinceChinasmobilepaymentstandardsweredetermined.
Meanwhile,ChinaConstructionBank(CCB)hassetitssightsonthemainbusinessofInternetcompanies-e-commerce.OnJulyI.0,CCBs"e.ccb.com"servicewentonline;asofmid-August,overI.,000merchantshadsignedupfortheserviceandtotalmembershipreachednearlyI.00,000.
TheInternetgreatlyreducesinformationcostsandtransactioncostsofthefinancialindustry.Asaresult,someindustryinsidersthinkthatsincebanksworkwithasymmetricinformation,asinformationbecomesmoresymmetrical,banksvaluewillgraduallydecrease.
Thisnewwave,whichmaybringaboutanewformatinweb-basedfinancingaswellasavastmarket,hasnotonlyattractedwidespreadattention,butalsosparkedcontroversyandworries.JiangJiping,Secretary-GeneraloftheChineseAcademyofSocialSciencesInformatizationResearchCenter,saidthatthefutureintegrationoftheInternetandbankingwillpromptthebankingindustrytochangeitstraditionalmodeofoperation,shiftingfromrelyingheavilyonspecificcapitaltolearningtoutilizenetworkedsocialcapital.Thisisthekeytofuturebankrestructuring.
However,continuousinnovationinweb-basedfinancinghasraisedchallengesforeffectivesupervision.
WangLianzhou,deputydirectoroftheNationalPeoplesCongressFinancialandEconomicCommitteeOffice,toldCaijingthatweb-basedfinancingisagrayareathatcannotbefullycoveredbythecurrentregulatorysystem.Moderatemixedsupervisionisanoption,butchangesintherelevantlegislativeandregulatorysystemwillrequireconsiderabletimeandinvolveanumberofproceduralissues.
在互联网和银行界长达X年的整合后,中国正处在网络金融变革的顶峰.曾经各自发展的电子商务和银行信息化开始相互有了交集.
IX月I.VIII日中国网络服务巨头腾讯发布了新的网络支付平台_财付通,及移动聊天应用_微信.此项举措可使微信多达II亿的用户为网络支付生成I.种II维码,而此II维码可通过多平台信息应用进行监控.未来,用户将可以与其他微信用户完成转账业务.
两个月前,中国商务网络支付平台阿里巴巴宣布即将对除温州以外的浙江.江苏和上海地区的商务盟友开放信用贷款业务.
互联网公司拥有数据和电子商务的优势,正强势涉足银行核心业务--支付结算和信贷市场.与此同时,拥有庞大资本和信用的商业银行也不甘屈居于后.目前银行正高调涉入非传统的银行商务领域,包括电子商务和移动支付,以获取客户第I.手信息.保持客户忠诚度.及巩固和扩大银行和客户间关于存款.贷款及交流的关系.
由于第III方支付组织.电信运营商.互联网公司.电子商务企业和银行卡组织施加的压力,商务银行正果断采取该行动.
同I.天,腾讯宣布为财付通提供新的移动支付服务,中国招商银行和中国HTC共同发布了招行移动钱包".此服务是自中国移动支付标准制定后的第I.款移动支付服务.
同时,中国建设银行也将视野投向互联网公司的主业务---电子商务.VII月I.0日,建设银行的e.ccb.com"网站正式上线.直至VIII月中旬,已有超过I.000人与该服务签约,会员数更是达到I.0万.
互联网显著降低了金融业信息和交易成本.所以,有些业界人士认为鉴于银行获取的信息不对称,而信息变得更加对称,银行的价值将大大降低.
该新趋势为网络金融带来了新格局和更广阔的市场,而它不仅吸引广泛的关注,也引发了争议和担心.中国社会科信息化研究中心秘书长蒋继平说,未 *好棒文|www.hbsrm.com +Q: 3_5_1_9_1_6_0_7_2
来互联网和银行的整合将加速银行业传统运作模式的变革,银行将从强烈依赖专用资本转移到学会利用网络社会资本.这就是未来银行重建的关键.
但是,持续的网络金融变革也给有效监管带来了挑战.
全国人民代表大会财政经济委员会办公室主任王连洲告诉蔡静网络金融是I.块灰色区域,它不能被目前的监管体系所完全覆盖.适度的混合监管是I.种选择,但相关法律法规体系的变革则需要大量的时间,也需涉及很多程序上的问题.
附件II:外文原文(复印件)
InternetServicestoReshapeBankinginChina
BystaffreportersYouXi,SongWei,LiuQilin,andYuanMan
AftermorethanadecadeofintegrationoftheInternetandbanking,Chinaisonthecuspofarevolutioninweb-basedfinancing.E-commerceandbankinformatization-twoindustrieswhichoncedevelopedinparallel-haverecentlycollidedandintersectedwitheachother.
OnSept.I.VIII,ChineseInternetservicegiantTencentannouncedtheopeningofapplicationchannelsforitsonlinepaymentplatformTenPayandmobilechatapplicationWeChat.ThemovewillallowWeChatsmorethanII00millionuserstogenerateaQRcodeformobilepaymentsthatcanbescannedwiththeQRcodereaderinsidethemulti-platformmessagingapp.Inthefuture,userswillbealsoabletocompletetransferpaymentswithotherWeChatusers.
Twomonthsprior,ChineseBIIBonlineplatformAlibabaannounceditwouldopenitscreditloanbusinesstoordinaryBIIBmembersintheZhejiang,JiangsuandShanghairegions,withtheexceptionofthecityofWenzhou.
Internetcompanies,withtheirdataande-commerceadvantages,aremakingstronginroadsintothepaymentsettlementandcreditmarkets,twocorebusinessesofbanks.Commercialbanks,meanwhile,withtheirhugeamountsofcapitalandcredibility,areunwillingtoberelegatedtotheback-end.Banksarecurrentlymakingahigh-profilemoveintonon-tradition *好棒文|www.hbsrm.com +Q: 3_5_1_9_1_6_0_7_2
albankingareasofe-commerceandmobilepaymentinordertoobtainfirst-handinformationofcustomers,increasecustomerbondingandretention,andconsolidateandexpandthebusinessrelationshipbetweenbanksandcustomersindeposits,loans,andexchanges.
Commercialbankswerepromptedtomakethemoveasaresultofdirectpressurefromthefinancialdisintermediationwavesetoffbyinstitutionssuchasthird-partypaymentorganizations,telecomoperators,Internetcompanies,e-commerceenterprisesandbankcardorganizations.
ThesamedayTencentannounceditsnewmobilepaymentservicesforTenPay,ChinaMerchantsBankandHTC(China)jointlyreleasedtheChinaMerchantsBank"mobilewallet,"thefirstmobilepaymentservicetobeunveiledsinceChinasmobilepaymentstandardsweredetermined.
Meanwhile,ChinaConstructionBank(CCB)hassetitssightsonthemainbusinessofInternetcompanies-e-commerce.OnJulyI.0,CCBs"e.ccb.com"servicewentonline;asofmid-August,overI.,000merchantshadsignedupfortheserviceandtotalmembershipreachednearlyI.00,000.
TheInternetgreatlyreducesinformationcostsandtransactioncostsofthefinancialindustry.Asaresult,someindustryinsidersthinkthatsincebanksworkwithasymmetricinformation,asinformationbecomesmoresymmetrical,banksvaluewillgraduallydecrease.
Thisnewwave,whichmaybringaboutanewformatinweb-basedfinancingaswellasavastmarket,hasnotonlyattractedwidespreadattention,butalsosparkedcontroversyandworries.JiangJiping,Secretary-GeneraloftheChineseAcademyofSocialSciencesInformatizationResearchCenter,saidthatthefutureintegrationoftheInternetandbankingwillpromptthebankingindustrytochangeitstraditionalmodeofoperation,shiftingfromrelyingheavilyonspecificcapitaltolearningtoutilizenetworkedsocialcapital.Thisisthekeytofuturebankrestructuring.
However,continuousinnovationinweb-basedfinancinghasraisedchallengesforeffectivesupervision.
WangLianzhou,deputydirectoroftheNationalPeoplesCongressFinancialandEconomicCommitteeOffice,toldCaijingthatweb-basedfinancingisagrayareathatcannotbefullycoveredbythecurrentregulatorysystem.Moderatemixedsupervisionisanoption,butchangesintherelevantlegislativeandregulatorysystemwillrequireconsiderabletimeandinvolveanumberofproceduralissues.
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