银行业转型新模式：开放银行运作实践及其推进

New Mode of Banking Transformation:Open Bank Operation Practice and Its Promotion

开放银行正成为全球银行业转型的一股新浪潮,作为一种全新的商业模式给银行业发展带来了新的机遇以及业态变革。但是,开放银行在国内刚刚启动,有效提高银行服务质量和效率的同时,也增加了风险敞口,实践中存在标准规范不一、数据割裂严重、安全防护薄弱、人才队伍落后等诸多难题,以及监管上新的挑战。开放银行终将变成商业银行综合实力的全面比拼,需要在架构、流程、文化调整乃至获客、运营、风控、科技等方面进行综合提升。

Open banking is becoming a new wave of global banking transformation. As a new business model, it has brought new opportunities and changes in the banking industry. However, the open bank has just started in Chi. na, effectively improving the quality and efficiency of banking services, while also increasing the risk exposure. In practice, there are many problems such as different standards and regulations, severe data fragmentation, weak secu. rity protection, and a backward talent team, as well as new challenges in regulation. The open bank will eventually become a comprehensive competition for the comprehensive strength of commercial banks. It needs to be compre. hensively upgraded in terms of structure, process, cultural adjustment, customer acquisition, operation, risk control, and technology.