北(bei)京2019年(nian)4月(yue)28日(ri) /美通(tong)社/ -- 2018年(nian)4月(yue)25日(ri)，社會科學院金(jin)(jin)(jin)融(rong)(rong)研究(jiu)所、國家金(jin)(jin)(jin)融(rong)(rong)與(yu)發展實(shi)驗室主(zhu)辦，金(jin)(jin)(jin)融(rong)(rong)法律(lv)與(yu)金(jin)(jin)(jin)融(rong)(rong)監管研究(jiu)基地、《金(jin)(jin)(jin)融(rong)(rong)評(ping)論(lun)》編輯部、鳳凰網 WEMONEY 承辦的普惠(hui)金(jin)(jin)(jin)融(rong)(rong)國際高峰論(lun)壇在北(bei)京舉(ju)行。論(lun)壇以(yi)“數(shu)字普惠(hui)金(jin)(jin)(jin)融(rong)(rong)助力實(shi)體經濟”為(wei)主(zhu)題，圍繞普惠(hui)金(jin)(jin)(jin)融(rong)(rong)理(li)論(lun)、實(shi)踐及未來展開深入(ru)研討。中銀消費金(jin)(jin)(jin)融(rong)(rong)受邀并委派管理(li)層(ceng)成(cheng)員羅昇副總經理(li)出席論(lun)壇并發表主(zhu)旨演講。

來自(zi)中(zhong)國(guo)(guo)人(ren)民銀(yin)行(xing)、國(guo)(guo)家(jia)金(jin)(jin)(jin)(jin)融與發展實驗室、中(zhong)國(guo)(guo)社會(hui)(hui)(hui)科學(xue)院金(jin)(jin)(jin)(jin)融研(yan)究所、中(zhong)國(guo)(guo)互聯(lian)網(wang)金(jin)(jin)(jin)(jin)融協會(hui)(hui)(hui)、世界(jie)銀(yin)行(xing)中(zhong)國(guo)(guo)局(ju)、日本金(jin)(jin)(jin)(jin)融廳國(guo)(guo)際部、中(zhong)央(yang)財經大學(xue)中(zhong)國(guo)(guo)互聯(lian)網(wang)經濟(ji)研(yan)究院、中(zhong)國(guo)(guo)人(ren)民大學(xue)數(shu)字(zi)經濟(ji)研(yan)究中(zhong)心(xin)的重量級(ji)專(zhuan)家(jia)、學(xue)者(zhe)，以及國(guo)(guo)內(nei)普惠金(jin)(jin)(jin)(jin)融企(qi)業(ye)代(dai)表等(deng)500余人(ren)參加(jia)大會(hui)(hui)(hui)，就數(shu)字(zi)普惠助力實體經濟(ji)話題進(jin)行(xing)深入(ru)探討。

國家金融(rong)(rong)與發展(zhan)實驗室理(li)(li)事長、中國社科(ke)院(yuan)學部委員李(li)揚在開場致辭(ci)中表示，普惠(hui)(hui)金融(rong)(rong)無非就(jiu)是讓所(suo)有(you)有(you)合理(li)(li)金融(rong)(rong)需求的人在一個(ge)合理(li)(li)的價格(ge)基礎上，體面地獲(huo)得金融(rong)(rong)服(fu)務。目前僅(jin)基于傳統金融(rong)(rong)產(chan)品和服(fu)務無法解決，必(bi)須開新路(lu)，即通過發展(zhan)進入(ru)科(ke)技來(lai)解決普惠(hui)(hui)、科(ke)技產(chan)業化等問題(ti)。

作為國(guo)內(nei)首(shou)批持牌(pai)消費(fei)金(jin)融(rong)(rong)(rong)(rong)(rong)公司、普(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)踐行者，中(zhong)銀消費(fei)金(jin)融(rong)(rong)(rong)(rong)(rong)有限公司副總經理(li)羅昇參與了以“數字普(pu)惠助(zhu)力金(jin)融(rong)(rong)(rong)(rong)(rong)創新(xin)”為主(zhu)題的(de)(de)(de)研(yan)討會，并發(fa)表(biao)了題為《數字普(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)“時”和(he)“勢”》的(de)(de)(de)主(zhu)旨演(yan)講。羅昇從(cong)數字普(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)發(fa)展歷(li)程入手，從(cong)政策、戰(zhan)略的(de)(de)(de)角度(du)闡釋了普(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)發(fa)展現(xian)狀及態勢，以及如(ru)何利用數字手段去(qu)破解普(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)難題，在推動(dong)普(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)發(fa)展的(de)(de)(de)同時，實(shi)現(xian)普(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)管控。

羅昇表(biao)示，數(shu)字普惠金(jin)(jin)融(rong)(rong)打破了金(jin)(jin)融(rong)(rong)服(fu)務(wu)的(de)(de)地區(qu)和(he)時空約束、打破金(jin)(jin)融(rong)(rong)服(fu)務(wu)的(de)(de)成本(ben)限制、打破金(jin)(jin)融(rong)(rong)服(fu)務(wu)的(de)(de)信息(xi)壁壘及客(ke)群排(pai)斥，數(shu)字技術使得普惠金(jin)(jin)融(rong)(rong)服(fu)務(wu)從“有(you)形”轉向(xiang)“無形”，減(jian)少了對人員和(he)設(she)備的(de)(de)占用，降低了金(jin)(jin)融(rong)(rong)機構的(de)(de)經(jing)營成本(ben)，提(ti)高金(jin)(jin)融(rong)(rong)服(fu)務(wu)提(ti)供商(shang)的(de)(de)利潤空間，增強商(shang)業可持續性。

羅昇(sheng)認為(wei)，在數字(zi)(zi)化普惠金(jin)融(rong)的(de)過程(cheng)(cheng)中(zhong)，新(xin)金(jin)融(rong)的(de)普惠內(nei)核不變(bian)(bian)。在數字(zi)(zi)化普惠金(jin)融(rong)的(de)過程(cheng)(cheng)當中(zhong)，新(xin)金(jin)融(rong)的(de)普惠內(nei)涵不會改變(bian)(bian)。“普”，就是要有更(geng)(geng)(geng)多的(de)受眾、覆蓋面(mian)更(geng)(geng)(geng)大(da)；“惠”，就是讓金(jin)融(rong)服務成(cheng)本降(jiang)得更(geng)(geng)(geng)低。

羅昇(sheng)還分享了(le)中銀消(xiao)(xiao)費(fei)(fei)金融(rong)在消(xiao)(xiao)費(fei)(fei)金融(rong)領域對數(shu)(shu)(shu)字普(pu)(pu)惠金融(rong)的(de)(de)一(yi)些布局與嘗試。中銀消(xiao)(xiao)費(fei)(fei)金融(rong)以(yi)場(chang)景(jing)為依托，結合科(ke)技創新挖掘“真(zhen)(zhen)(zhen)人”、“真(zhen)(zhen)(zhen)意愿”、“真(zhen)(zhen)(zhen)用(yong)途”，利(li)用(yong)“數(shu)(shu)(shu)字+場(chang)景(jing)”解決獲客(ke)(ke)難題。同時，建立了(le)統一(yi)客(ke)(ke)戶管理(li)平臺，通過聯通內部數(shu)(shu)(shu)據與外(wai)部合作方(fang)數(shu)(shu)(shu)據，通過身份屬(shu)性(xing)(xing)(xing)、金融(rong)屬(shu)性(xing)(xing)(xing)、行為屬(shu)性(xing)(xing)(xing)、風險屬(shu)性(xing)(xing)(xing)等多個維度，建立了(le)龐大(da)的(de)(de)客(ke)(ke)戶標簽體系，衍化(hua)(hua)出了(le)豐富的(de)(de)客(ke)(ke)戶畫像，形成了(le)完(wan)整(zheng)的(de)(de)風控體系和多種營銷方(fang)式(shi)，通過“數(shu)(shu)(shu)據創新”助力(li)風險前置獲客(ke)(ke)。利(li)用(yong)數(shu)(shu)(shu)字化(hua)(hua)科(ke)技手(shou)段，緊跟市場(chang)動向，不斷完(wan)善(shan)場(chang)景(jing)生(sheng)態構建能力(li)，緊追隨大(da)眾(zhong)消(xiao)(xiao)費(fei)(fei)習慣的(de)(de)變化(hua)(hua)，細(xi)(xi)化(hua)(hua)不同細(xi)(xi)分人群消(xiao)(xiao)費(fei)(fei)習慣的(de)(de)差異，積(ji)極(ji)拓展場(chang)景(jing)業務合作方(fang)，來保證場(chang)景(jing)化(hua)(hua)策略和金融(rong)科(ke)技應用(yong)的(de)(de)有效(xiao)性(xing)(xing)(xing)，將“場(chang)景(jing)+數(shu)(shu)(shu)字”相結合，真(zhen)(zhen)(zhen)正做到普(pu)(pu)惠大(da)眾(zhong)。

論(lun)壇現場(chang)還發(fa)(fa)布(bu)了(le)《發(fa)(fa)展(zhan)中(zhong)的(de)普惠(hui)金(jin)融(rong)(rong)(rong)(rong)：理(li)論(lun)、創新與實(shi)踐》報(bao)告(gao)(gao)，中(zhong)國社會科(ke)學院金(jin)融(rong)(rong)(rong)(rong)研究(jiu)所副(fu)所長、國家(jia)金(jin)融(rong)(rong)(rong)(rong)與發(fa)(fa)展(zhan)實(shi)驗室(shi)副(fu)主任胡濱以“發(fa)(fa)展(zhan)數字普惠(hui)金(jin)融(rong)(rong)(rong)(rong) 提(ti)高(gao)國家(jia)金(jin)融(rong)(rong)(rong)(rong)競爭力(li)”為主題，對報(bao)告(gao)(gao)內容(rong)和(he)(he)形成(cheng)過(guo)程進行宣講。報(bao)告(gao)(gao)共(gong)分(fen)六個部(bu)分(fen)，從不同維度(du)分(fen)析(xi)中(zhong)國普惠(hui)金(jin)融(rong)(rong)(rong)(rong)的(de)現狀(zhuang)，具(ju)體(ti)包(bao)括(kuo)：普惠(hui)金(jin)融(rong)(rong)(rong)(rong)指標體(ti)系以及(ji)國際(ji)化比較，中(zhong)國農村金(jin)融(rong)(rong)(rong)(rong)市場(chang)的(de)普惠(hui)金(jin)融(rong)(rong)(rong)(rong)現狀(zhuang)和(he)(he)發(fa)(fa)展(zhan)，傳統金(jin)融(rong)(rong)(rong)(rong)市場(chang)的(de)普惠(hui)金(jin)融(rong)(rong)(rong)(rong)政策和(he)(he)發(fa)(fa)展(zhan)、金(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)催生(sheng)下普惠(hui)金(jin)融(rong)(rong)(rong)(rong)的(de)問題和(he)(he)前景、以及(ji)中(zhong)國普惠(hui)金(jin)融(rong)(rong)(rong)(rong)發(fa)(fa)展(zhan)的(de)實(shi)踐研究(jiu)和(he)(he)案例分(fen)析(xi)。