以金融科技推进银行理财数字化转型

Leveraging fintech to promote digital transformation of banks' wealth management

资管行业的竞争从根本上来说是资管能力的竞争,而资管能力的基石是金融科技能力。自建以业务发展为内生动力,能够满足资管业务需求,具备前瞻性和可扩展性的全流程资产管理系统是塑造理财子公司核心竞争力的关键。

Technology empowerment will surely bring more opportunities and efficiency to the asset management industry in a new time when the industry is undergoing regulatory transformation and upgrading and when the wave of digitalization is rising.Mr.Xie Guowang pointed out that competition in the asset management industry is fundamentally competition in asset management capabilities,the cornerstone of which is fintech capabilities.The key for banks'WM subsidiaries to develop core competitiveness is to build a dependent,forward-looking and scalable full-process asset management system that take business development as the endogenous driving force and can meet the needs of asset management business.Banks'WM subsidiaries must endeavor to build basic capabilities in four areas,i.e.product sales,asset management,risk management and compliance,and data applications,to make digitalization empower their core businesses.