Jin Rong Shi Bao·2025-08-08 07:55Challenges in Financial Innovation for Corporate Banking - The scene system is fragmented, making it difficult to leverage brand and scale advantages due to personalized and fragmented demands [1][2] - There is a lack of internal coordination, hindering cross-scenario collaboration, with organizational management needing optimization [3][4] - The benefits of scene construction have not yet become apparent, and the ability to create value needs enhancement [5][6][7][8] Breakthrough Points for Financial Innovation in Corporate Banking - Focus on key scenes to gradually promote systematic and platform-based development, starting with unique scenes like enterprise payment and settlement services [9][10] - Optimize internal organizational management to improve cross-departmental collaboration, including establishing dedicated scene financial teams [11][12] - Enhance technological capabilities by increasing investment in technology and building an open platform for better service efficiency [13] - Improve scene operation capabilities by leveraging data applications to drive value enhancement [14] - Strengthen the integration and interaction between scene resources and branch resources to create significant benefits [15][16][17][18] Future Outlook - Corporate scene finance is a crucial direction for commercial banks to implement a customer-centric approach and digital transformation, addressing personalized and differentiated needs [19]