Jiu Gua 丨 Intelligence Fortune: Digital Smart's Anti -dimensional Anti -Anti -Mode

Author | Bairongyun Institute

Source | Jiu Guo Financial Circle

Edit | Wu Wen Zhang Yundi

Beauty | Yang Wenhua

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The sci -fi novel "Three Body" mentioned the cruel dimension of dimension reduction in the universe. In the face of higher -dimensional technology, low -dimensional creatures are transparent, and everything in low -dimensional space has no secrets and difficulties.

Compared with the traditional model of banks, digital intelligence has the power to reduce dimensionality. In the past, it was difficult to reach the sky by manual ways, and it could be solved by counting intelligence.

The core business of the banking industry is nothing more than "deposit, loan, and remittance". Looking back at the digital transformation of the banking industry:

First of all, the booming is the digital payment "Hui", and then the "loan" marked by digital risk control. Liabilities.

Using the power of big data and intelligent algorithms, wealth management can jump out of the traditional model of the traditional model, crack the customer service coverage, professional capabilities, business efficiency and many other dimensions of pain points, and use the minimum cost and best experience to allow wealth management professional services Flying into the home of ordinary people and promoting truly common prosperity and inclusiveness, this is also important for the high -quality development of the bank itself.

Strike.1

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售 Wealth management is a high -quality development of retail banks ✦

The semi -annual report of listed banks has been released one after another, and the various data of the banking industry in the second quarter and the financial data of July. On the whole, the overall quality of the banking industry is still facing great challenges. Compared with listed banks, there are many small and medium banks. The survival space shrinks from top to bottom and Internet finance from top to bottom and Internet finance.

The credit environment deteriorates. In July, the new social finances were 756.1 billion yuan, an increase of 319.1 billion yuan from the same period last year, a new low of 6 years, and the reaction of the economic recovery and insufficient financing demand; The mortgage is still weak.

The scale of credit card is under pressure. In the first quarter, the bank cards averaged 27,000 yuan in credit, and the credit use rate was 39.28%, which fell below 40%for the first time in many years. In terms of asset quality, at the end of the first quarter, the total credit cards had been overdue for half a year. It is also the worst number since the third quarter of 2020.

The trend of regular deposits is obvious. The semi -annual report of listed banks shows that the proportion of regular deposits and the decline in the proportion of current deposits is generally existed. Many state -owned banks and joint -stock banks have a tendency to regularly deposit. For small and medium -sized banks, the deposit structure is facing a large challenge, and the cost of liabilities in many small and medium -sized banks is about 3.5%.

The interest difference continues to decline. According to the regulatory data in the second quarter of the CBRC, the net interest margin of the industry in the second quarter was 1.94%, a decrease of 1.97%in the first quarter. The reason was that the asset -side pricing followed LPR gradually declined, and the cost of liabilities rose due to regularization. The interest margin has become the most important negative factor affecting the profitability of listed banks. In the first half of the year, the average net interest difference between the 42 listed banks was 2.04%, which was 8bp from 21 years.

The contribution is slight. In the first half of the year, the net bank's handling fee and net commission revenue increased by 0.7%year -on -year, a decrease of 2.9%month -on -month. The downturn in the capital market leads to the main reason for the pressure of fund sales.

The more severe the environment, the role of wealth management as a quality test of retail development is even more prominent.

Long -termism is one of the most important features of wealth management business. Head banks have avoided the impact of short -term fluctuations in the capital market by building a set of intelligent blessings and systematic play. The level is stable and the contribution is stable.

The trend of wealth management is increasingly irreversible. It is of great significance for the structural imbalances such as assets and liabilities brought by bank adjustment of traditional deposit and loan business. In addition To enhance customer stickiness, it can be said that there is no customer if you do not do wealth management.

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富 The main pain point of banking to develop inclusive wealth is customer insights and operations ✦

The important meaning of inclusiveness is that most ordinary people can easily accept the relative professional services of wealth management to manage their own financial goals and achieve wealth preservation and appreciation.

For banks, the key is not whether the market can get funds when the market is good, but whether the environment is not good.

However, due to the insufficient digital operating capabilities, the bank development of inclusive wealth often faces the following issues:

银 More than 90%of bank customers are unmanned. Banks are the industries that are played to the extreme. The average level is about 2%of customers contributed more than 70%of financial assets, and about 98%of the waist and long -tail customers are in a state of no one.

Because the number of bank customers is millions, tens of millions, or even hundreds of millions, the bank's traditional pipeline mechanism is essentially related to marketing, and the service is high net worth customers. Pigrarous joint -stock banks can only cover VIP customers. The development of inclusive wealth must penetrate professional wealth management services to the mass customer base. This is a huge challenge for banks, let alone the potential value of wealth customers is ignored.

提 The customer experience needs to be improved. Wealth management is a characteristic service, but most banks are difficult to accurately insight into customer needs and perform specialized allocation according to customer characteristics. Whether it is product configuration, activities, the timing and channels of touching, it is difficult to satisfy customers. The three core modules of the wealth management industry are customer insights and operations, customer asset planning and allocation and investment.

The advantages of different categories and institutions are different from value. For example, the advantages of securities firms and family offices with strong investment and research capabilities are planned in asset allocation. The third -party Internet platform starts earlier in investment education and companionship. There are many channels for channels.

Banks must enhance customer experience through customer insights and operations to make their advantages in the field of wealth management.

效 The business efficiency of wealth management needs to be improved. In the vigorous wave of digital transformation, each bank has invested a lot of resources and did a lot of work. But the effect is poor:

One is to find a lot of technology companies to empower but still have not opened "the last mile of responsibility for the effect"; the second is that the head office has invested huge in science and technology, but the front line still lacks digital tools and grasses that support the development of business development; the third is digitalization The operation of operations does not form a closed loop, it cannot be optimized, and the degree of intelligence is not enough. Fourth, the value generated by resource investment is difficult to evaluate. Whether it is resource allocation efficiency or operating efficiency, it needs to be improved.

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化 The essence of inclusive wealth is the essence of digital driver to find the optimal solution ✦

Digital intelligence can play a role in the field of inclusive wealth, not only as simple as reducing costs and efficiency, but being able to reshape a set of wealth management management systems through digital decisions. Quality development.

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Drive the customer's insight to the customer -centric business model -centric business model

At the moment when the analogy rate of the industry is as high as 97%, and it is difficult to communicate with customers face -to -face, the biggest significance of digital intelligence is to conduct customer insight with data analysis to understand the characteristics of customers' characteristics. That is, a large amount of intelligent perception system is used to obtain customer information, and the customer clustering, layered groups and drawing precision customer portraits are performed through deep data mining, so as to provide characteristic services in a targeted service around the characteristics of different life cycles and financial preferences of customers. Essence

This is impossible to achieve the maintenance of the traditional model of wealth management with product sales as the center of wealth management, leaving the intellectualization, and the insight into massive customers.

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Data and algorithm independent decisions, intelligent service customers, improve experience

Drive by intelligent algorithms such as machine learning to intelligently match customers with appropriate products, activities, rights, opportunities, timing, and channels. This is also the only way for the banking industry to upgrade from automation to intelligence.

Nowadays, most banks have realized automation. An important feature is the standardization of online processes and built -in expert rules into the system, such as risk control expert systems that all banks have. However, only a few head banks entered the stage of intelligence. The essence of intelligence is that the machine is through large -scale data experiments from my learning sedimentation rules. It no longer depends on people to formulate rules, and continuously improves the business model through large -scale learning.

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Full -link digital operation closed environmental review effect, improve efficiency

What is the correct business strategy? Experience is not so reliable. There is a case that is more interesting. Almost every bank has the strategy of "regular deposit expires". A leading bank found that the rear front line of the strategy of executing reminder can reach 22%. After the test, I found that this strategy is not implemented, and the conversion rate can reach 30%. This is the insights brought by data assessment.

Therefore, the value of human+digitalization is to allow data and intelligent algorithms to ensure that the operating strategy is always smart and correct. Find the most correct thing, and the continuous good currency expels bad coins.

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Digital tools to draw the finishing touch, indispensable

Although the digital transformation has been carried out for many years, although most banks have built many tall systems, some necessary systems that need to be carried out for business are still lacking. Even many leading banks have strategies to deploy. Case. In the case of no system, it takes 1-2 months to deploy a strategy. With the system's blessing, it only takes 30 minutes. Many large banks' digital transformation concepts are very ahead, but the digital transformation measures can not play a role. It is because it is stuck in these places.

Finance is good, science and technology are good, and financial institutions and Jinke companies jointly shoulders the mission of promoting the development of inclusive wealth through the efficient integration of finance and technology.

Based on the above cognition, Bai Rongyun created through excellent AI application technology and digital intelligence capabilities, and through building a "4+1" system for wealth management, that is, customer insights, intelligent matching, channel operations, iterative assessment, and digital system tools, and to give, to give it Energy banking builds a new model of Intelligent and Inclusive Wealth Management.

Technology is always bringing a wider field of vision to humans, a more magnificent pattern, and promoting the torrent of the times. All formats that cannot match it will become history. The only choice. Nowadays, the era of digital intelligence has long been opened. Under the anti -dimensional reduction strike, the traditional industry of banks can also jump towards a higher form, and inclusive wealth will eventually be a blue sea and blue sky.

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