The latest survey report of KPMG, insight into the new environment of China's banking opportunities and challenges

KPMG recently released the "China Banking Investigation Report 2022", which focuses on the development opportunities and challenges facing the banking industry in the new environment. The banking industry development insights and expert suggestions to help the banking customers find opportunities and move forward.

Zhang Chudong, head of the financial industry in China Financial Industry, said that based on the basic positioning of the real economy of the financial service, under the sweeping of the current digital economy, the financial industry as a pioneer of digital transformation is accelerating to moving towards Shenshui District, from local breakthrough to comprehensive to comprehensive Development, presenting the characteristics of intelligence, business scenarios, channel integration, open platform, and deepization of deepization of platforms. However, the market is changing rapidly. How to seize the opportunity of change and formulate strategic plans is still a huge test for financial practitioners.

Faced with instability and uncertainty, only the challenge

The report summarizes the lessons of the past experience and the new development of the dialysis industry from a professional perspective. This investigation has a total of 200 performance and key indicators of 200 and non -listed commercial banks in 2021, covering the business scale, profitability, assets, assets Quality and other aspects. In general, although the expansion of my country's banking industry's assets slowed down in 2021, it generally stable, sufficient capital and profitability and asset quality. There are certain instability and uncertainty.

Faced with the current development of the development of China's banking industry, the report proposes expectations that during this special historical period, the banking industry will face increasingly severe challenges in terms of external macroeconomic, supervision, customers, and internal operations and industry competition. However, at the same time, it will be the era of comprehensive digitalization of financial business. Effective achievement and experience upgrades will become the key to the profit of each group. Only by facing challenges and actively responding, trying to avoid risks while fully grasping new opportunities for future development, can we truly stand in an invincible place.

In this regard, KPMG also actively contributed to my country's banking industry based on rich professional experience, putting forward: accelerate digital transformation, comprehensively improve quality and efficiency; grasp ESG and green finance transformation opportunities; ; Around scenes and experience upgrade customer business models; create special business cards, establish brand cognition to obtain differentiated advantages; strengthen six suggestions measures for regulatory compliance and risk management.

Chen Shaodong, the partner of KPMG China financial industry audit, believes that due to the influence of the domestic and international environment in 2022, the main theme of the development of China's banking industry is still "focusing on opportunities and responding to challenges." On the whole, the banking industry needs to effectively insight into the development of the international and domestic financial industry. Combining with the rapid development of information technology, it will continue to do a good job of risk assessment and put forward various types of response measures to promote the green and digital transformation of China's banking industry. The fundamental way to optimize the development prospects of China's banking industry.

Promote the digital transformation of the banking industry, and strengthen the construction of talents in the financial field

According to the industry's public data statistics, in recent years, the investment in fintech resources in the banking industry has generally shown an upward trend. Among them, in 2021, the total investment in the six state -owned banks has exceeded 100 billion yuan, an increase of more than 10%year -on -year. The digitalization of the banking industry is moving towards the scale of "industrial type". At the same time, the "form" of the banking industry's financial technology is changing from internal functions to a market -oriented mechanism. Large state -owned banks and leading joint -stock banks have completed almost all of the establishment and operation of science and technology subsidiaries. Traditional information technology operation management mechanisms are undergoing subversion of subversion. Change of sexual changes. The continuous high investment and strategic positioning of fintech, naturally contrasting the thinking of contributing to its business value, has spawned the internal level of the bank's internal level of investment in fintech resources and the matching of its business value output. Go to the entire strategic decision -making level.

The restrictions on the scope of customer action in the new crown epidemic have led to the urgency of my country's banking business development tasks. From the perspective of business, the report states that the consistency matching relationship between fintech investment and the actual benefits of business should be established. Through the depiction and quantitative evaluation of the business value map, the dexterization of the banks brought by the banks brought by the technology investment in revenue profit, obtaining the profitability, obtaining, and obtaining the profitability, obtaining, and obtaining the profitability of the banks. The practical effects of customers, customer experience, employee experience, risk prevention, and operating efficiency are guided to guide digital transformation to better land.

At the same time, as commercial banks have promoted the planning and implementation of the planning of the digital transformation strategy, the investment scale of the banking information technology resources is unprecedented, and the value and influence of digitalization on the development of the entire transformation and development are being fermented. By analyzing the investigation, KPMA believes that the Chinese banking industry is necessary to give full play to the role of science and technology leader, increase the investment in scientific and technological power in all fields in the industry, actively introduce relevant financial talents and technical talents. Digital transformation of the banking industry. On the one hand, it not only meets the practical needs of customers to handle business, but also further enhances the absolute advanced position of China's banking industry in the world's financial field.

In the context of science and technology development, the "moderate" thinking model has become a key principle of the construction of the financial industry. In recent years, the investment in the banking industry's financial resources has been continuously rising. During this period, there are series of problems such as waste of science and technology and excess resources. In this regard, KPMV pointed out that it should properly introduce the quantitative evaluation and management system of the value-output ratio of fintech input, scientific assessment and reasonable decision-making, release the effectiveness and effectiveness of digital transformation, in order to establish a quantitative indicator system, scientifically evaluate the fintech business of fintech business Effects enable it to better serve the professionalization, scientific development of my country's fintech business, and improve the level of digital banks. The bank has focused on digital management of customers in the past, and now more and more attention is paying attention to digital management of internal talents. The real digital management and intelligent empowerment of employees has become the focus of management innovation that banks have chased. It is expected that in the near future, the construction of bank talent construction platforms will really allow employees to work daily. Trace can be traced, well -known, so that data empowers professionalism and professional creation value.

KPMV participated in the construction of a number of leading bank data asset management systems. In many practices, it summarized the three common misunderstandings of banks in data asset management, and innovated the "banking data asset management framework". KPMV believes that data asset management should have a global unified perspective. On the basis of "governance" and "compliance", "data asset operation" is carried out, and the tradition of data governance is continuous. To achieve "data asset value".

Shi Jian, head of the Bank of KPMV China, said that under the new development environment, the banking industry will enter the "trek period" of the transformation and development of high -quality and digitalization. 2022 will be a key year for the deepening of the banking industry. With the continuous deepening of the strategic business layout, the service model of emerging industries and key regional service models will continue to improve. Commercial banks will continue to accumulate reform and transformation of new momentum. Innovative strategies such as finance and development of inclusive finance, accelerating the transformation and digital transformation of banking wealth management business are also important development trends worthy of attention.

Author: Tang Weijie

Edit: Zhu Wei

Editor in charge: Rongbing

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