According to the plan, in 20021year, the development of financial technology in China will be promoted to the international leading level, with advanced and controllable application of financial technology, steady enhancement of financial service capability, remarkable improvement of financial risk control level, continuous improvement of the effectiveness of financial supervision, continuous improvement of financial technology support capability and vigorous development of financial technology industry.
At the end of 20 19, the novel coronavirus epidemic spread from Wuhan to the whole country. In order to fight the epidemic, Hubei Province has implemented a "city closure". Although other areas are less affected by the epidemic, in order to prevent the spread of the epidemic, the whole country is basically on holiday, and some enterprises start work online.
On February 1 day, the People's Bank of China issued a notice showing that in order to give full play to the supporting role of finance in the prevention and control of the epidemic and the real economy, the People's Bank of China, the China Banking Regulatory Commission and other five ministries and commissions jointly issued the Notice on Further Strengthening Financial Support for the Prevention and Control of the novel coronavirus Epidemic. The circular requires that the financial sector should take a series of measures to further strengthen financial support for epidemic prevention and control, safeguard people's livelihood and support the stable development of the real economy.
The Mutual Gold Business Review noted that in response to the call of the central bank, at least seven financial technology institutions launched online services to provide preferential loans to enterprises affected by the epidemic, exempt some interest expenses from users affected by the epidemic, and reasonably extend the repayment period. In fact, the reason why financial institutions can open a green channel and implement bank-wide loan review is because financial institutions actively embrace financial technology and vigorously carry out financial technology innovation.
According to incomplete statistics of Mutual Gold Business Review, three of the six state-owned joint-stock commercial banks have established financial technology companies, namely China Construction Bank (Jianxin Jinke), Industrial and Commercial Bank of China (ICBC Technology) and Bank of China (BOC Jinke), with registered capital of 654.38+06 billion yuan, 600 million yuan and 600 million yuan respectively.
Among them, whether from the registered capital (65.438+0.6 billion yuan) or the business scope (four major areas), the determination to build the financial technology strategy of CCB seems to be even greater.
According to official website of Jianxin Jinke, the solution covers four major areas: financial institutions, government and public utilities, enterprises and general motors. The solution includes 38 projects including core bank cloud, double record, inclusive finance, real estate big data, smart government platform, smart community platform, safe pension platform, enterprise procurement platform, financial settlement audit management, cloud customer service and fast payment.
In addition, Bank of Communications announced on June 65438+ 10/7 that it plans to invest 600 million yuan to set up Bank of Communications Financial Technology Co., Ltd. According to the announcement, Bank of Communications Jinke plans to be registered and controlled by Bank of Communications International (Shanghai) Equity Investment Governance Co., Ltd. 100%. Bank of Communications said that with the help of financial technology, the quality and organization of financial services will be improved, and the ability of digital risk control will be enhanced; Increase cutting-edge research and application, and develop financial technology output.
It is worth noting that although the Postal Savings Bank has not established a financial technology company, it has always attached great importance to the development of financial technology. On October 20 18 1 1 year 10, the Postal Savings Bank publicly declared that it is the basic direction of transformation to actively promote the construction of internet financial platforms and build smart banks.
According to public information, the Postal Savings Bank stated in its 20 18 annual report that it will strengthen the integration and innovation of financial technology and business, and continuously promote the digital, scene and intelligent development of credit products and services through financial technology. The interim report of 20 19 shows that the Postal Savings Bank has set up a new financial technology innovation department and a new management information department in the head office to enhance the bank's financial technology innovation capability, data governance and data analysis capabilities.
At the 20 19 interim results conference, Qu, deputy governor of Postal Savings Bank, said: "Financial technology is reshaping the industry ecology. This is a life-and-death test. We either embrace the times or be abandoned by history. "
Among 12 national joint-stock commercial banks, six banks have set up financial technology companies, namely Ping An Technology, Ping An Yitong, Industrial Bank (Industrial Bank), China Everbright Bank (Everbright Technology), Minsheng Bank (Minsheng Technology), China Merchants Bank (Zhao Yinyunchuang) and Huaxia Bank (Longying Zhida), with registered capital of 2.925 billion yuan respectively.
Among them, at the beginning of 20 19, the brand logo of China Ping An was changed from "insurance, banking and investment" to "finance and technology". In May 2008 and September 2065438+2007, Ping An Technology and Ping An One Account were established respectively. 20 19 12, Ping An Yitong was listed on the New York Stock Exchange at the issue price of 10, with a market value of $3.6 billion at the issue price.
According to China Ping An Announcement, the company holds 400 million ordinary shares, accounting for 36.6% of its total issued share capital. Although Ping An Yitong has been listed, up to now, Ping An Yitong has a high degree of dependence on Ping An Group. Not only that, Ping An Yitong also faces enormous revenue pressure. According to the prospectus, the financial account has accumulated a loss of 3.4 billion yuan in the past three years.
On the one hand, the successful listing of Ping An Yitong stimulated the confidence of banks to set up financial technology companies, on the other hand, it also exposed the embarrassment that the investment and income of financial technology companies are not proportional. Despite this, the bank's strategy of adhering to financial technology has not wavered.
2019110/0. Recently, the relevant person in charge of the information technology department of Guangfa Bank revealed in the news forum "Guangfa Bank helps Greater Bay Area to build high quality" that Guangfa Bank will set up a financial technology subsidiary next year and is currently under the approval of the bank.
In addition, at least three banks have set up financial technology departments, namely Zheshang Bank, Bohai Bank and hengfeng bank. The Mutual Gold Business Review notes that the financial technology departments set up by the three banks are all directly under the head office. Among them, the first-level departments directly under the head office of Bohai Bank include Financial Technology Department, Information Technology Department, Credit Card Department, Consumer Finance Department, Beijing Management Department, Transaction Banking Department and Retail Risk Management Department.
The Mutual Gold Business Review also noted that Shanghai Pudong Development Bank, like the Postal Savings Bank, did not set up a financial technology company or even a financial technology department, but as early as 20 18, Shanghai Pudong Development Bank put forward the strategic goal of "building a first-class digital ecological bank". At present, Shanghai Pudong Development Bank has launched the first unbounded open bank APIBank, set up five innovation laboratories covering artificial intelligence, open source technology and 5G applications, and established scientific and technological cooperation with 16 well-known technology companies at home and abroad.
In addition, in June 2007, Shanghai Pudong Development Bank launched the industry's first technology and finance service platform 20 1 1. Through deepening the financial service mode, through "ten thousand households project, product iteration and platform empowerment", we will provide customized and all-round technology and finance services for science and technology enterprises.
134 city commercial banks, only Bank of Beijing has established a financial technology company, and Bank of Wenzhou has established a financial technology department.
Mujin Business Review noted that although Yin Beijinke was established on August 8, 20 13, the industrial and commercial change records showed that on August 24, 20 18, Jinghui Management Co., Ltd. was changed to Yin Bei Financial Technology Co., Ltd., and the organizational chart of Wenzhou Bank showed that the financial technology department, development research department, planning and finance department, risk management department and legal compliance department were included in the support system.
In addition, there are also city commercial banks cooperating with financial technology companies to carry out consumer finance and financial technology business.
2065438+In September 2007, Bank of Nanjing, Alibaba Cloud and Ant Financial jointly launched the "Yun Xin+"product, which is the first commercial bank with distributed core business systems (account management, risk assessment, payment and settlement, platform access, etc.) in China, which promoted its partners to embrace the Internet.
At the beginning of 20 18, Bank of Nanjing officially announced its presence in Jingdong Finance, and the two parties will cooperate in the fields of payment, credit and wealth management. On June 5438+ 10 of the same year, Nanjing Bank signed a strategic cooperation agreement with Du Xiaoman Finance, and the two sides will cooperate in the fields of consumer finance and microfinance. In June165438+1October, Bank of Nanjing and Lexin Group signed a strategic cooperation, and the two sides will cooperate in installment shopping, financial technology and electronic accounts.
At the same time of cooperation between Nanjing Bank and JD Finance, Hangzhou Bank, together with Alibaba Cloud and Hangzhou City Big Data Operation Company, established the first financial technology innovation laboratory of city commercial banks in China. It is reported that the laboratory is based on the sharing and practice of new technology applications such as financial cloud, blockchain, big data, artificial intelligence and biometrics, so as to deeply study the innovation ability of financial technology and explore the application of new technologies in the banking industry.