导航菜单

互金协会李东荣:金融科技在发展普惠金融扮演着重要角色

7月7日,由青岛市人民政府主办的第五届中国财富论坛在青岛召开。中国人民银行原副行长、中国互联网金融协会会长李 东荣在论坛中表示:金融科技在提升科技创新、发展普惠金融、促进数字化转型方面,扮演着重要角色。金融科技为财富管理行业提供了新的发展机遇

李 东荣表示:金融科技有助于推进财富管理行业稳健转型。自2018年国家金融监管部门发布的一系列资管新规、银行理财新规等政策性文件,我国理财产品多层相套,刚性兑付等行为持续减少,资金体系内循环、脱实向虚的现象也得到遏制,整个行业正朝着回归本原、统一归置、防控风险的既定政策方向转型。同时,也暴露出如何科学高效处置存量资产,开拓出新的符合资管新规的产品业务等一系列问题。因此,如何正确综合运用各类金融科技手段,聚焦在存量资产处置,增量业务培育、服务流程优化等重点领域,是可以促进持续提升管理的科技含量和创新水平,有助于整个行业的改革转型,并提供新的动能。

他强调金融科技有助于提升财富管理市场供给能力。随着经济的发展,人民生活水平的提高,会有越来越多人进入中等收入阶层水平。随着技术的进步,我国社会财富管理的需求正在发生一系列深刻变化:需求主体从高净值客户扩大到广大中等收入群体,需求类型从单一的储蓄存款转变为多层次、多领域、综合化的财富管理需求,需求范围从主要面向国内理财市场扩展到全球化资产配置,需求期限从短期理财偏好转向侧重家庭财富的中长期筹划和代际传承,反映出强烈的需求驱动。

xxxx目前,我国财富管理业普遍处于起步阶段,机构能力不均衡,财富管理专业人才储备不足,产品服务同质化更为普遍。在这种情况下,更有必要关注金融科技创新的优势,积极开发基于市场需求的差异化,定制化,准确化的理财产品,逐步消除当前财富管理市场的供给缺口。以及供需之间的不匹配。问题。

“金融技术有助于提高财富管理体系的包容性,”李东荣进一步表示。从发展包容性金融的角度来看,良好和充分运作的财富管理系统应该使不同收入阶层的人能够从多层次的金融市场中受益。长期以来,我们对居民财富的管理没有给予足够的重视,尤其是对低收入和中等收入人群日益增长的财富管理需求缺乏足够的回应。随着中国城乡居民总收入的不断增长,收入结构不断优化,公共财富管理市场的能力和潜力不断扩大。金融技术的积极应用将有助于扩大金融服务的范围,合理降低服务门槛和成本,并制定传统的“小高”成本主要是为了高财富管理服务的净值,今天可以依靠科技手段实现规模化,成本低廉,从而飞入普通百姓家中。

现代金融技术的快速发展为中国的财富管理行业提供了新的发展机遇和增长的市场空间。同时,我们也必须客观地认识到中国财富管理行业利用金融技术的能力还有待提高。特别是在业务发展的概念中,一些财富管理机构需要培养数字化转型的思路,以适应数字时代的客户产品。需求。将财务技术应用于财富管理的几个技巧

According to the data from the 43rd China Internet Development Statistics Report, as of the end of last year, the number of Internet users who purchased Internet wealth management products in China was 151 million, and the usage rate of Internet users was 18.3%. In the same period, the usage rates of online payment and mobile network payment have reached 72.5% and 71% respectively. From the perspective of the supply side of the market, the gap is the direction, and the gap is the space. The wealth management industry should firmly grasp the new opportunities brought about by financial technology, and scientifically and efficiently design products that meet both regulatory requirements and people's wealth management needs.

Li Dongrong believes that we must first actively and steadily promote the application of financial technology in the field of wealth management. We should encourage wealth management institutions such as banks, securities, insurance, funds, and trust asset management to accelerate their digital transformation and form a layered, orderly, complete, and digital degree. The high product service system makes full use of the Internet, especially the technology, channels and platforms of the mobile Internet, to create a new wealth management model of online self-help, standardization, offline professionalization, personalization, and online and offline benign interaction.

Secondly, relying on regulatory technology to effectively improve risk prevention and control capabilities. On the one hand, wealth management is development, on the other hand, risk prevention and control, especially the prevention and control of new risks in innovation. Preventing risks is always a fundamental task of financial work. Because wealth management products often have the characteristics of cross-industry, cross-market and cross-regional, their risk correlation, contagiousness and spillover are strong, and the deep application of financial technology may also It will bring the overlapping effects of multiple risks such as business, technology, network and data, making the risk structure in the wealth management field more complex and changeable. Therefore, it is necessary to develop the regulatory technology with the times, consolidate the data comprehensive statistics and risk monitoring infrastructure, and focus on improving the level of scientific and technological application of macro-prudential supervision and micro-behavior supervision. Conduct comprehensive, dynamic and transparent supervision of all aspects of the operation and management of wealth management products such as distribution and sales and investment redemption.

xx最后,李东荣强调要切实做好金融消费者保护和风险教育工作。金融科技将有助于将更多社会群体纳入财富管理市场,提升财富管理体系的普惠水平。但我们还要清醒地看到,很多客户金融知识欠缺,风险意识不足,风险承受能力薄弱,要做好投资适当性的安排,需要切实保护消费者的风险教育工作,应该统一信息披露,风险提示等手段,增强理财产品服务的全流程的透明度。同时,积极运用大数据,人工智能等数据技术,优化理财产品的风险评级和投资者风险承受能力的评估体系,有效落实投资者适当性要求,强调卖者有责。应针对高净值客户,长尾客户等不同客群,分类开展金融知识普及和理财教育,引导金融消费者树立收益自享,风险自担的正确理念,打破刚性对付的不合理预期。同时,要持续组织严厉打击以互联网理财,互联网金融为名,实施非法集资,违规营销,商业欺诈等侵犯金融消费者合法权益的违法违规行为,营造更加诚信健康的财富管理市场环境。

来源:每日经济新闻

关注同花顺财经微信公众号(ths518),获取更多财经资讯

XX