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盤面動態:金融股表現不俗 次新股、牧漁活躍

     編者按:逐漸嚴苛的(de)合規條文印(yin)證了,公(gong)司做金(jin)融是一件(jian)高風險的(de)事,留給互聯網(wang)(wang)金(jin)融服務公(gong)司的(de)“地”已然越來越小,而(er)金(jin)融機(ji)構主(zhu)動擁抱互聯網(wang)(wang)卻如(ru)同擁有尚方(fang)寶劍的(de)八府(fu)巡(xun)按,“海闊憑(ping)魚躍”正當時。至(zhi)此,「互聯網(wang)(wang)+金(jin)融」上半(ban)場結(jie)束,下半(ban)場「金(jin)融+互聯網(wang)(wang)」已拉開(kai)帷幕。

近日(ri),隨著聯(lian)(lian)璧(bi)金(jin)融因涉嫌非(fei)(fei)法(fa)(fa)(fa)集(ji)資被(bei)上海市警方立案調(diao)(diao)查,錢寶網(wang)、雅(ya)堂(tang)金(jin)融、唐小僧(seng)、聯(lian)(lian)璧(bi)金(jin)融民間(jian)四(si)大(da)(da)高(gao)額返利(li)(li)平(ping)臺(tai)“全軍覆沒”, 而這距趣(qu)店“高(gao)調(diao)(diao)慈善”事件僅僅過了半年。互聯(lian)(lian)網(wang)金(jin)融的(de)(de)確大(da)(da)大(da)(da)降(jiang)低(di)了金(jin)融產(chan)品(pin)和服(fu)務的(de)(de)交易費用(yong),拉低(di)了用(yong)戶的(de)(de)使用(yong)門檻。但正是較低(di)的(de)(de)準入門檻使得一(yi)些互聯(lian)(lian)網(wang)公司利(li)(li)用(yong)消費者的(de)(de)心理推出(chu)高(gao)收益率產(chan)品(pin),達到非(fei)(fei)法(fa)(fa)(fa)集(ji)資的(de)(de)目(mu)的(de)(de),進而形成龐氏騙局(ju)。究其原因,是相關法(fa)(fa)(fa)規對互聯(lian)(lian)網(wang)金(jin)融服(fu)務監管的(de)(de)缺(que)失,也是在高(gao)利(li)(li)潤誘惑驅使下,狂熱的(de)(de)投機分子在違法(fa)(fa)(fa)邊緣的(de)(de)不斷試探。

1990年到2011年,是傳統(tong)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)行業互(hu)(hu)聯網(wang)化和(he)第三(san)方支(zhi)付蓬勃發(fa)展的(de)(de)階段(duan),從(cong)科技出發(fa)提升(sheng)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)服務效率(lv),互(hu)(hu)聯網(wang)公(gong)司紛紛試(shi)水(shui)互(hu)(hu)聯網(wang)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)。而2011年至今,是互(hu)(hu)聯網(wang)實(shi)質性金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)業務發(fa)展階段(duan)。經過“無現金(jin)(jin)(jin)(jin)(jin)時代(dai)”之(zhi)爭、資管(guan)行業大一統(tong)、人(ren)工(gong)智(zhi)能崛起……金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)亂(luan)象糾偏(pian)的(de)(de)背后(hou),無不(bu)透露著日漸鮮明(ming)的(de)(de)監管(guan)信號(hao)。在上半場(chang)的(de)(de)「互(hu)(hu)聯網(wang)+金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)」,大量的(de)(de)互(hu)(hu)聯網(wang)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)服務公(gong)司前赴后(hou)繼,在業務創新(xin)上不(bu)斷探索,給金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)行業整體轉(zhuan)型升(sheng)級帶來(lai)(lai)啟發(fa),提高了(le)傳統(tong)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)業效率(lv),給整個金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)業帶來(lai)(lai)創新(xin)活(huo)力。但高利潤的(de)(de)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)產品(pin)意(yi)味(wei)著高風險,因此又受(shou)制于(yu)合(he)規監管(guan),上半場(chang)的(de)(de)「互(hu)(hu)聯網(wang)+金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)」似乎走到了(le)死胡(hu)同。

隨(sui)著互(hu)聯網金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)監(jian)管(guan)的(de)(de)(de)不斷收(shou)緊,為(wei)了(le)規(gui)避(bi)高門檻,今年上(shang)半(ban)年,一(yi)些(xie)互(hu)聯網金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)紛紛轉型為(wei)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)技(ji)公司。從覆蓋范圍(wei)上(shang)看(kan),金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)技(ji)包(bao)含的(de)(de)(de)方(fang)(fang)面(mian)比(bi)(bi)互(hu)聯網金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)還(huan)(huan)要多。支付清算、、基礎(chu)設(she)施、投(tou)資管(guan)理都是金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)技(ji)的(de)(de)(de)主要業務。除此(ci)之(zhi)外,金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)技(ji)幾乎正(zheng)在(zai)(zai)被應用到(dao)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)領域(yu)的(de)(de)(de)方(fang)(fang)方(fang)(fang)面(mian)面(mian):借貸(dai)、財富管(guan)理、支付、保險、眾籌、征信,甚至(zhi)是零售銀行(xing)和房屋中介。面(mian)對金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)技(ji)這(zhe)一(yi)尚處(chu)于發展過程中的(de)(de)(de)新模式新領域(yu),傳統金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)機構在(zai)(zai)戰略上(shang)積極擁抱(bao),在(zai)(zai)行(xing)動上(shang)審(shen)慎穩妥。厚積薄發的(de)(de)(de)傳統金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)行(xing)業無論在(zai)(zai)資金(jin)(jin)(jin)(jin)(jin)儲備還(huan)(huan)是科(ke)(ke)(ke)(ke)技(ji)儲備方(fang)(fang)面(mian),都具有無可比(bi)(bi)擬的(de)(de)(de)優(you)勢(shi),借助金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)技(ji)以及多年合規(gui)監(jian)管(guan)的(de)(de)(de)經驗,將(jiang)逐漸走到(dao)普惠(hui)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)最前臺,成為(wei)下半(ban)場(chang)主力。

「金(jin)融(rong)(rong)(rong)+互(hu)聯(lian)網」下半場已吹響號角,經過大(da)量業務驗證(zheng)(zheng)的分布式互(hu)聯(lian)網架構已然成(cheng)(cheng)熟,傳統金(jin)融(rong)(rong)(rong)開始躋身普(pu)惠金(jin)融(rong)(rong)(rong)舞(wu)臺前排。除了與BATJ積極合(he)作互(hu)聯(lian)網金(jin)融(rong)(rong)(rong)業務,各(ge)大(da)銀(yin)(yin)行(xing)均在(zai)積極推(tui)動自身數(shu)字化(hua)轉型,打造數(shu)字化(hua)普(pu)惠金(jin)融(rong)(rong)(rong)服務;銀(yin)(yin)行(xing)系金(jin)融(rong)(rong)(rong)科(ke)(ke)技公(gong)司乘勢而(er)起,擴大(da)了銀(yin)(yin)行(xing)在(zai)金(jin)融(rong)(rong)(rong)科(ke)(ke)技領域的研發和場景應用落地;互(hu)聯(lian)網保險(xian)和證(zheng)(zheng)券也進入了營銷(xiao)模式和理念深層次(ci)創新(xin)改(gai)造的新(xin)階段。互(hu)聯(lian)網金(jin)融(rong)(rong)(rong)和傳統金(jin)融(rong)(rong)(rong)逐漸融(rong)(rong)(rong)合(he),互(hu)為補充,共同促(cu)進更穩定更普(pu)惠的新(xin)金(jin)融(rong)(rong)(rong)體系的形成(cheng)(cheng),而(er)這正(zheng)是金(jin)融(rong)(rong)(rong)科(ke)(ke)技的魅力所在(zai)。

口(kou)來臨(lin),互聯(lian)網金融如(ru)何(he)突破(po)“桎梏”取得業(ye)務創新?專業(ye)金融服務機構如(ru)何(he)加快業(ye)務創新?如(ru)何(he)把握(wo)普惠金融的(de)時代(dai)脈搏?

這些(xie)問題的答案將于2018年07月27日在(zai)北(bei)京(jing)國際飯店舉辦(ban)的Cloud Insight大會 “科(ke)技賦能(neng),「金融+互聯網」進入(ru)道(dao)” 的分論(lun)壇(詳(xiang)見://t.cn/RB110r8),一一揭曉。

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