场景金融与金融场景:构建数智化普惠金融成长新模式被引量：7

Scene Finance and Financial Scene:Building a New Model of Digital Inclusive Financial Growth

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摘要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。 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 seriously 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 customer categories and groups with clear identification,and configures personalized financial products and services through digital technology to build inclusive finance into a product line with high financial added value.In terms of specific measures,it is necessary to include all service target information of inclusive finance 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.

作者胡刚陆岷峰 HU Gang;LU Min-feng(Liaoning Branch,Bank of China Limited,Shenyany China,110000;Internet Finance Innovation and Development Research Center,Nanjing Tech University,Nanjing 210000,China)

机构地区中国银行股份有限公司辽宁分行南京工业大学互联网金融创新发展研究中心

出处《长春金融高等专科学校学报》 2024年第1期68-75,共8页 Journal of Changchun Finance College

基金国家社会科学基金一般项目(20BGL009)。

关键词商业银行场景金融数智化转型数字技术 commercial bank scene finance digital intelligent transformation digital technology

分类号 F832.39 [经济管理—金融学]

作者简介胡刚(1972-),男,辽宁法库人,中国银行股份有限公司辽宁分行副行长,大连理工大学EMBA,中欧商学院EMBA,研究方向:宏观经济、企业数字化转型;陆岷峰(1962-),男,江苏金湖人,南京工业大学互联网金融创新发展研究中心主任,江苏南京泛泰数字科技研究院首席经济学家,国研智库·产业经济协同创新中心专家委员会副主任,中国地方金融研究院首席研究员,教授,博士生导师,研究方向:宏观经济、商业银行、中小企业。