我国发展开放银行的路径、面临挑战及政策建议

The Path, Challenges and Policy Suggestions of China’s Open Bank Development

开放银行是一种基于协作的新型金融服务共享模式。它作为银行业的一种新商业模式,是银行触达长尾用户的重要路径,商业银行利用开放API等技术实现银行与第三方机构间的数据共享、银行服务与产品的即插即用,进而提升用户体验,共建开放的泛银行生态系统。本文介绍了我国发展开放银行的主要做法,并针对开放银行面临的困难和问题,提出了相应的对策。

Open banking is a new financial service sharing model based on collaboration. As a new business model of the banking industry, it is an important way for banks to reach long-tail users. Commercial banks use open API and other technologies to achieve data sharing between banks and thirdparty institutions, plug and play of bank services and products, so as to improve the user experience, jointly build an open pan-banking ecosystem. This article introduces the main methods of developing open banking in China, predicts the future development direction of open banking, and puts forward corresponding countermeasures for the difficulties and problems facing open banking.