Net of thunder sharp edge on June 21 message, sponsor by Tecent cloud " the cloud + future " the peak can be held in Shenzhen. Net of thunder sharp edge understands, this second peak can cover the many fields such as finance, politics look forward to, cloud, Internet, among them, chief strategy Guan Liliang attends restful science and technology and address.
Li Liang says, had taken the 1 timeses of financial IT, 2 periods of Internet finance, financial industry greeted times of financial science and technology, namely so called finance 3, current, the latest technology such as artificial intelligence, big data has begun the core of finance of real ground lay a finger on, produce brand-new ecology group, form science and technology to lead financial situation state.
"O2O of AI, cloud, digitlization and safety are to drive future 4 crucial pillar that whole finance science and technology develops. " his say, the value with real generation of be born of financial science and technology has financial · science and technology and finance of · of science and technology two kinds of mode, focusing is mixed at safe, bank invest 3 big fields.
It is its speech content below, net of thunder sharp edge undertook do not changing the compact editor of original intention to its.
O2O of AI, cloud, digitlization and safety are to drive future 4 crucial pillar that whole finance science and technology develops, common says 3 vertical one horizontal stroke.
We hope AI solves 2 problems: It is essence of life matchs definitely, financial product is very rich, at the same time different client has different risk to appeal to again beg, final price and risk accuse begging match; 2 it is blast accuses.
We hope the cloud also solves 2 problems: It is tall expand usably, high; 2 it is to help an industry join quickly
Change O2O about data, have 2 sides, it is help of technology of storage respect technology, content couplet net we more intelligent ground undertakes awarding believe and be puttinged borrowing; 2 it is technology of area piece catenary change finance number calculates the possibility and trade foundation, reframe the foundation of whole finance.
Safe. The science and technology that uses at financial domain still has a few doorsills. It is in Internet times, join becomes very wide, a small risk n may diffuse quickly whole industry, protective data security, operation safety is very so important; 2 it is financial industry be to suffer a country to be superintended strictly, accord with so superintend, and adopt technical measure go propping up it is very important also to superintend.
After having a technology, how to apply it to become very important. Be based on the history to carry out, I think technical be born has 2 kinds of pattern:
It is financial · science and technology, this is one kind reforms model innovate, financial essence did not produce a change, and innovate through the technology, can help it produce new value, it is the innovation to traditional banking.
Another kind is finance of · of science and technology, this is a kind overturn brand-newly the gender innovates, any finance license plate has scope of operations, but science and technology does not have limits, it has extend a gender, future may produce platform of a few new science and technology, overturn reframe whole industry.
Safe kind
Insurance market covers birthday risk, produce danger of danger, healthy danger, provide for the aged to wait for a few kinds of main types, among them, market share is the largest is birthday danger, it is to produce next danger.
Birthday danger should solve essence of life to follow the issue of sale above all. Be in China, birthday danger is not to just needed, it is one kind stimulates sexual demand only, so insurance company undertakes through the clerk below the line the sale is very important sale step, bigger insurance company has at every turn several 100 thousand very consummate the birthday danger clerk of 1 million. Accordingly, have picture of accurate user, product through KYC, KYP, make a clerk can fast recommend cast suitably protect plan to give a client, this is insurance industry especially the direction of a key of birthday danger industry.
It is the VIP of birthday danger industry additionally, make drive a sale in order to serve again, namely only the service is done well, final sale just can be done well. So, how will realize VIP? Call when the client when coming in, we apply technology of voice print identifying to identify VIP client quickly; When the client walks into a site, we can identify VIP client quickly like the head through photographing, can make through these technologies rate of clerk sale success rises 20% above.
It is intelligent price next. To car danger, the behavior that how to colleague undertakes the price is very important, specific will tell even if hope to pass mobile phone or act of client of capture of mobile intelligence terminal, be based on a client to whether high speed drives, the behavior such as take a sudden turn, undertake essence of life allows to fix a price.
Still having is intelligent manage compensate. Insurance manage compensate is a kind of very important service way, if can be passed,identify spot photograph automatically, undertake compensate of express put in order, service efficiency will promote greatly. We have a lot of practice together in this, future is whole the industry also can grow to this direction.
Bank kind
This respect has 3 kinds, it is now very consumptive finance of fire; 2 it is wind accuses; 3 it is to supply catenary finance, namely the union of finance and industry.
In consumptive finance domain, the loan that brush a face is a brand-new setting, identify through person face namely identify a person quickly, match its Id information, combine big data to have fast loan; Additional, small expression identifies a technology to also can apply at this setting, when a certain person is applying for loan, whether does he have eye or superciliary wave motion through computer judgement, judge its to whether lie, undertake the risk is controlled then, brushing a face to borrow money so is a main setting. 2 years ago, we begin to try the loan that brush a face, the loan specified amount that is based on this kind of means to give off at present has exceeded 30 billion RMB.
2 it is intelligent wind accuses a technology, be based on traditional banking information and information of a few public feelings, a lot of enterprises had tried to undertake a risk forecast through big data technology, this kind of means promotes than efficiency of traditional and artificial means 100 percent above, future may promote higher.
3 it is to supply catenary finance, companion develops as technology of content couplet net, the bank begins to try to put a few sensor to be inside the storehouse of the enterprise, real time detects storehouse puts quantitative change to change, have corresponding loan.
Investment kind
Namely alleged intelligence invests, the hope accomplishs management of dawdler investment, public investment, active asset.
It is intelligence is cast on one hand grind, there are a lot of analysises to report inside course of study, carry the kind of intelligent interlocution, apace has machine study, form a report, can reduce considerably project grinding manpower cost, wall street has had such some of product fall to the ground.
It is intelligence is cast on the other hand consider, every shareholder asks an intelligence to cast Home Gu Zhuan to come true hard, but if the machine can be become,fry an expert, every shareholder can deploy, whole trade it is cheaper that poundage also is met. We think dawdler investment and public investment are the way with very important future.
Finance of · of science and technology is a kind of brand-new mode, its brand-new banking industry plays a way.
It is the financial orgnaization of join close, form a brand-new money market. For instance compose builds the science and technology of financial orgnaization to serve platform, in join and helping strength small bank. Small bank Internet serves ability, wind to accuse to wait for ability inadequacy with big data in, accordingly, we try to do banking alliance of one Zhang communication and liaison, china 220 small bank is brought into in the home come in, make these 220 are formed one therein small bank market, can have served oneself client on one hand, additional on one hand market of a person of same business begins to form between the bank. Go one year in, in asset trades between a person of same business of small bank alliance amount exceeded 1 trillion RMB. Future, the financial orgnaization that the likelihood will walk along small bank alliance to a lot of kinds to be like in is allied.
2 it is financial orgnaization ground floor will produce a change. What is finance? Money lays money, why can money lay money? Because those who be based on accredit trade, so financial chalk it up is mixed trading is very main rock-bottom technique. And area piece catenary goes to a center changing because of its, prevent distort wait for character, have the aid of it, the likelihood still has a few finance asset trades or account is opposite account product, we had had the attempt of this respect. Future, fall hard in the whole industry that includes to be superintended inside, may produce data money, the foundation of whole finance produces a change possibly also.
3 it is new form establishs the group of financial modes of life and relation to their environment that carries asset end from capital. Current, financial orgnaization does each business each, but it is the trade that makes Qian Sheng money substantially. Take a commercial bank for, it is OK to make investment consumer credit gives an individual, mortgage loan to borrow money to individual, medium and small businesses small small, also can be opposite general loan; And want financing, can buy product of conduct financial transactions through the client or deposit money, its itself is doing end to arrive upright. What actually trust company does also is same thing, do investment, financing likewise, fund company is same also. We know science and technology does not have border, so, can be based on science and technology to reframe the group of financial modes of life and relation to their environment of whole China, mix according to business function board piece be segmented afresh? Such advantage has at 2 o'clock: The first, everybody is more dedicated the business that does oneself; The 2nd, efficiency of movement of whole banking industry promoted, finance can help an industry solve more problems. Among them, fundamental platform, the technique such as net of couplet of the cloud, content, safety is very main, it can help financial industry reframe a brand-new ecology group.
