Construction bank new financial understanding

The new financial concept of CCB refers to the useful exploration of economic and social development in line with the new era. When finance meets cloud computing, big data and other new technologies, the strong suction force that naturally occurs makes it possible to solve this problem. The industry is bursting with new and unprecedented opportunities, and the rapid acquisition of millions of users is no longer as slow and difficult as it once was, and the boundaries of finance will be expanded indefinitely.

Why? Because of the strong support ability of IT. IT from the previous business supporting role, into today's productivity, IT can help the financial industry customers to provide efficient, secure, open second financial services, open customer acquisition channels. An authoritative report shows that digital transformation drives the technology development trend in the financial industry and can help create new value for finance.

The 13th Five-Year Plan for Information Technology in China's banking industry gives a macro direction for the future transformation of the financial industry, adopting cloud computing and big data, vigorously developing inclusive finance, carrying out joint innovation, and actively promoting the application of new technologies in the banking industry, so as to realize the digital transformation in terms of technology and business.

The new finance possesses three major features:

1. The first feature of the new finance is that finance is becoming more and more inclusive, from "two-eight" to "eight-two".

Previously, financial services served 20% of the head users, including large corporations and high net worth people, and then we got 80% of the profits. Due to a variety of limitations such as technology and information, it is difficult for us to effectively provide services to the general public and small and micro enterprises in a sustainable way with convenience, equality, accessibility, and appropriate prices. And today, we have the opportunity to be able to achieve these things with technology.

2. The second feature is that cashless is becoming the trend.

Many people may misunderstand the meaning behind 'cashless'. Being cashless is not about eliminating cash, but about providing a better possibility and ease of payment, and giving that right to the consumer. As we all know, payment is a very big boost to consumption. The impact of the convenience of payment on the promotion of consumption, on the real economy, and on the satisfaction of people's livelihood services is very great. Cashless makes finance more inclusive, business smarter, people more satisfied, society more efficient, and the credit system more perfect, which has a positive significance for society, so Ant Financial is promoting the development of cashless together with all industries.

3, the third feature, the credit system has become an important support for the new finance.