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Jingdong book

互联网交易型银行：传统银行的转型之路

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Jingdong book

互联网交易型银行：传统银行的转型之路

Name: 互联网交易型银行：传统银行的转型之路
Brand: Jingdong book
SKU: 3110029331
Price: 42.95 USD
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互联网交易型银行是互联网技术对传统金融的颠覆与融合，预示着未来金融交易变革的趋势。构成金融交易的资金端、资产端和金融中介将依次实现互联网化。在此背景下，银行需要积极向互联网交易型银行转型，从线下向线上、从信用中介向信息中介、从“持有”向“交易”全面转变，实现跨银行、跨场景的统一账户体系，资金端和资产端的应用场景嵌入，基于数字货币和区块链的支付体系以及完善的社会征信体系。最终实现金融交易服务的体验*佳、效率高、成本低，支持经济转型，落实普惠金融，回馈社会。

Content Description

得益于宏观经济与政策红利，中国银行业在过去10年取得了高速发展。新常态下，国家经济增长步入改革与结构调整期，传统银行将告别过去“高枕无忧”的时代，转型升级已迫在眉睫。

面对客户需求的逐渐觉醒、技术革新的推动助力，以及监管机构的开放包容，互联网交易型银行应运而生，为传统银行提供了破局之策，并将推动金融交易的普惠、增值、高效、安全和低廉。在未来，伴随金融交易的高度互联网化，以及区块链技术的应用，银行的角色将从信用中介向信息中介演进，并将最终转型为生态化的互联网交易型银行。

《互联网交易型银行：传统银行的转型之路》分析了金融行业发展现状，阐述了银行业新生态“互联网交易型银行”的本质及发展蓝图，综合提炼了银行转型的关键要素和发展趋势，并进行了大量的互联网交易型银行的实证分析，为传统银行制定下一步发展战略提供镜鉴，也为大众提供关于金融市场的全新启示。

Author Description

宁小军，本科毕业于华南理工大学，北京大学光华管理学院MBA，主攻投融资决策方向研究。曾先后在互联网和金融领域的多家知名企业担任中高层管理职务，2012年至今，任职广东网金控股股份有限公司（原广东优迈）董事、执行总裁，专注于“互联网+银行”金融领域创新。

宁小军是广东网金控股股份有限公司的联合创始人，也是互联网交易型银行理论的创始者和践行者，对银行非标资产基于互联网交易型银行的创设、交易、流转、增值有着前瞻性的理念和丰富的经验，其带领网金控股团队与招商银行、浙商银行、宁波银行、兰州银行、华润银行等商业银行共建互联网交易型银行平台，得到了非常广泛的实践应用。

宁小军著有：《一本书搞懂互联网金融》《产品经理岗位培训手册》《网络营销师岗位职业技能培训教程》《互联网营销》《世界500强企业流程化运作管理工具》等。

Catalogue

序言

前言

第1章银行业新生态——互联网交易型银行

互联网交易型银行的四大发展驱动因素

传统银行需拥抱互联网交易型银行转型

互联网交易型银行发展的雏形

第2章互联网交易型银行的发展蓝图

互联网交易型银行时代的到来

阶段10：资金端互联网化

阶段20：资产端互联网化

阶段30：金融中介互联网化——互联网交易型银行

互联网交易型银行的四大基础要素

聚焦互联网交易型银行的四种模式

第3章成功建立互联网交易型银行的关键要素及趋势前瞻

通过合作和开放的方式构建互联网交易型银行

要素一：完善组织架构设计，实现内外资源整合协同

要素二：全面变革运营模式，支撑大交易生态体系建设

要素三：搭建开放技术平台，完善内外系统整合对接

互联网交易型银行的发展前瞻

第4章互联网交易型银行的实证分析

招商银行“小企业E家”

浙商银行“小微钱铺”

颍淮农商行“e惠农商”

平安一账通：账户、数据、信用需求、服务一站掌控

网金控股：银行服务经验丰富，技术方案能力领先

对国内银行向互联网交易型银行转型的思考

第5章互联网交易型银行对不同参与者的启示

对传统金融机构的启示

对技术解决方案提供商的启示

对监管机构的启示

Introduction

互联网交易型银行即通过互联网服务于客户交易的银行，其作为信息中介，采用完全数字化的方式为个人及企业提供包括投融资、支付结算、风险管理等金融交易服务。银行在金融服务中承担信息中介的角色，投融资双方的法律关系主要表现为直接借款和收益权转让两种模式。

互联网交易型银行是互联网技术对传统金融的颠覆与融合，预示着未来金融交易变革的趋势。在当前中国经济步入调整期、客户金融交易需求升级、互联网深入脱媒化、监管聚焦普惠金融四大外部因素的驱动下，银行传统的线下化、粗放型信用中介模式难以为继。在技术进步的推动下，构成金融交易的三大要素：资金端、资产端、金融中介，将依次实现互联网化。在此背景下，银行需要积极向互联网交易型银行转型，从线下向线上、从信用中介向信息中介、从“持有”向“交易”全面转变，以实现金融交易服务的体验最佳、效率最高、成本最低，并最终支持经济转型，落实普惠金融，回馈社会。

成熟的互联网交易型银行将呈现出交易互联网化、投融资平台化和去信用中介化三大特征，与过去的线下交易、投融资中心化、信用中介模式形成对比。其完整的生态体系由五大部分构成：（1)企业自银行交易，即由核心企业向价值链上下游提供金融交易服务；（2)银行投融资平台交易，指银行作为信息中介提供交易金融服务，打通自有客户的资金与资产；（3)跨平台交易，即作为信息中介的不同银行客户之间的交易，实现广义的投融资人置换；（4)债权转让交易，即投资者之间的资产二级转让交易；（5)场外开放平台交易，即将金融交易嵌入交易场景，在更开放的交易生态中实现投融资交易。

互联网交易型银行生态体系涵盖了七大类参与者：银行、平台、支付机构、增信机构、投资者、融资者和场景合作方。此外，健康的互联网交易型银行生态体系离不开四大基础要素的推动与支撑：线上线下、跨银行、跨场景的统一账户体系；资金端和资产端的应用场景嵌入；基于数字货币和区块链的支付体系；完善的社会征信体系。

对于传统银行来说，打造互联网交易型银行的关键是建立“合作、开放”的理念，积极寻求同业合作与异业联盟，并优先考虑具备平台建设经验、渠道资源丰富、技术能力领先的技术解决方案提供商。

随着信息技术的高速发展，变革的速度将会加快。在互联网与金融深度融合的背景下，本书意在通过分析行业发展现状，对互联网交易型银行的发展趋势进行研判，期望可以为市场参与者在制定下一步发展战略时带来启发。

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