开放银行的内涵、实践探索及发展前瞻

The Connotation,Practical Exploration and Development Prospects of Open Banking

开放银行作为金融科技领域的热点话题,已成为商业银行转型升级的战略方向之一。基于已有的理论与实践,本文从开放银行的概念提出与定义切入,分析了我国开放银行的探索情况、构建模式与特征、面临的瓶颈与问题,并就其未来发展提出了相关建议及对策。本文研究认为:开放银行是一种实现价值创造的平台化商业模式,其构建包含“开放平台”和“开放生态”;囿于C端金融场景或将严重限制开放银行发展进程,商业银行应积极布局开放银行B端场景,探索开放银行服务中小企业的创新模式;开放银行的发展需要在顶层设计、法律规制、科技创新、人才队伍等方面进行综合提升。

As a hot topic in the field of financial technology,open banking has become one of the strategic di⁃rections of commercial banks'transformation and upgrading.Based on the existing theory and practice,this article starts with the concept and definition of open banking,analyzes the exploration situation,construction mode and characteristics,bottlenecks and problems faced by China's open banking,and puts forward relevant suggestions and countermeasures for its future development.The research in this paper believes that open banking is a platformbased business model that realizes value creation,and its construction includes"open platform"and"open ecolo⁃gy";confined to the C-end financial scene may severely limit the development process of open banking,commercial banks should be active Layout the B-side scenario of open banking,and explore the innovative model of open bank⁃ing to serve small and medium-sized enterprises;the development of open banking requires comprehensive im⁃provement in top-level design,legal regulation,technological innovation,and talent team.