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场景金融与金融场景:构建数智化普惠金融成长新模式

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传统的普惠金融发展模式下,由于缺乏数字技术信息的支撑,普惠金融发展中的硬风险、高成本严重影响着普惠金融产品与服务的交割成功率.数智化普惠金融对服务对象进行客户群体化、场景化包装,建设标识明确的不同客户类别和群体,通过数智技术配置相对应的个性化金融产品与服务,将普惠金融打造成具有金融高附加值的产品线.在具体措施上,需要将普惠金融场景的服务对象信息全部纳入金融机构的数据中台信息库,建立强大的普惠金融数据中台和灵活、敏感度高、市场性强的普惠金融营销中台,创造多样化的普惠金融产品和服务.借助金融科技手段,加快推动普惠金融发展,实现基础金融与普惠金融服务对象的相互增益,构建以数智普惠金融为主体的场景金融生态圈,实现金融、科技与普惠金融服务对象的良性循环.
Scene Finance and Financial Scene:Building a New Model of Digital Inclusive Financial Growth
Under the traditional development model of inclusive finance,due to the lack of support from digital technology information,the hard risks and high costs in the development of inclusive finance seri-ously affect the delivery success rate of inclusive finance products and services.Digitized inclusive finance packages its service targets in a customer-oriented and scenario based manner,establishes distinct custom-er categories and groups with clear identification,and configures personalized financial products and ser-vices through digital technology to build inclusive finance into a product line with high financial added val-ue.In terms of specific measures,it is necessary to include all service target information of inclusive fi-nance scenarios in the data center information database of financial institutions,establish a strong inclusive finance data center and a flexible,sensitive,and market-oriented inclusive finance marketing center,and create diversified inclusive finance products and services.With the help of financial technology,accelerate the development of inclusive finance,achieve mutual benefits between basic finance and inclusive finance service objects,build a scenario financial ecosystem dominated by digital inclusive finance,and achieve a virtuous cycle of finance,technology,and inclusive finance service objects.

commercial bankscene financedigital intelligent transformationdigital technology

胡刚、陆岷峰

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中国银行股份有限公司辽宁分行,辽宁 沈阳 110000

南京工业大学 互联网金融创新发展研究中心,江苏 南京 210000

商业银行 场景金融 数智化转型 数字技术

国家社会科学基金一般项目

20BGL009

2024

长春金融高等专科学校学报
长春金融高等专科学校

长春金融高等专科学校学报

影响因子:0.258
ISSN:1671-6671
年,卷(期):2024.(1)
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