商业银行场景金融的探索

Group 1: Background of Scene-based Financial Services - The banking industry faces intensified market competition and operational pressures due to insufficient effective credit demand and challenges from internet platforms and fintech companies, prompting a shift in service models to maintain competitive advantages [1][2] - Changes in user behavior and demands, driven by the internet and digital economy, have led to a significant online migration of financial services, increasing the need for quality, convenience, and customization in banking services [1][2] Group 2: Evolution Trends of Scene-based Finance - Scene-based finance integrates financial services into daily life, increasing usage frequency and enabling the development of more derivative financial services [3] - The transition from offline to online scene-based financial services allows banks to reach a broader customer base, enhancing service efficiency and customer experience [3] - The boundaries between financial and non-financial services are increasingly blurred, as banks incorporate non-financial scenarios into financial service offerings to meet diverse customer needs [4] Group 3: Different Paths of Scene-based Finance - Internet platform companies enhance user experience and promote platform development by embedding financial services into established scenarios [5] - Commercial banks shift from a product-centric to a customer-centric approach in scene-based finance, expanding service reach through digital transformation [5] Group 4: Logic of Banking Scene-based Finance - High-frequency scenarios drive low-frequency financial services by embedding financial offerings into various high-frequency customer interactions, stimulating potential financial demand [6] - Scene-based finance creates new business increments and enhances profitability by seamlessly integrating financial services into various scenarios, thereby cultivating and increasing traffic [7] - Data serves as the core driving force for scene construction, enabling precise customer profiling through in-depth user data analysis, which improves traffic conversion efficiency [8] Group 5: Diverse Models of Scene-based Finance - Commercial banks have developed a multi-faceted scene-based financial model that includes both online and offline approaches, with online scenarios becoming mainstream due to their broad coverage, low service costs, and convenient access [9] - Banks adopt different construction methods for scene development, including cooperation, self-building, and co-construction models, based on the ecological landscape of target scenarios and their own capabilities [9] Group 6: Corporate Business as a New "Blue Ocean" for Scene-based Finance - Commercial banks are gradually shifting their focus from consumer retail scenarios to corporate and government scenarios in scene-based finance, which not only leverages their comparative advantages but also serves as a key point for differentiated competition [10] - By serving government and business clients, banks can further reach end-personal customers, creating a linkage between government, business, and consumer segments, thereby driving personal financial business growth [10]