Hi Sir/Madam,
With the rapid development of financial technology, more and more bank offline outlets are facing disappearance. City commercial banks not only have no strength to compete with large banks, but also suffer from financial and technological enterprises. There is no doubt that the city business bank is anxious.
随着金融科技的快速发展，在互联网第三方支付、网络银行等的夹击下，越来越多的银行物理网点正面临消失。而“群狼环伺”中，城商行处境就显得比较尴尬。向上没有实力与大行竞争；向下又受金融科技企业冲击，失去客户接触点。在夹缝中生存的城商行心态无疑是焦灼的。
The difficulties faced by city commercial banks lie in the large regional disparity, serious homogenization, weak ability of wind control and poor profitability. The city commercial banks are mainly located in serving the local economy and have close ties with the regional governments.
截至目前，城商行面临的困境在于，区域差距大、同质化严重、风控能力弱、持续盈利能力差。主要是城商行定位于服务地方经济，与区域政府有着紧密联系。
Under the background of FinTech, only by accelerating transformation can success or failure be affected.
在金融科技跨界渗透日益加深的大背景下，唯有加快转型才是决定成败的关键。 |
>> How could City Commercial Banks face the time of Internet Finance Innovation?
>>金融科技时代全面来临，城商行何去何从？
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Early Confirmed Speaker 会议确认演讲嘉宾
上海银行在线直销银行部总经理——郑涵 |
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General Manager of Online Direct Banking of SHANGHAI BANK—ZHENG Han will share the topics about “Internet Finance Innovation of City Commercial Banks” with us in the China Retail Banking Innovation Summit 2018 on Sep. 19th-20th.
上海银行在线直销银行部总经理——郑涵将在9月19-20日的2018中国零售银行创新国际峰会上为我们从城商行如何应对转型危机角度分享最新资讯。
“China Retail Banking Innovation Summit 2018”, jointly organized by SZ&W Group and related industry authorities will be held in Shanghai on September 19 and 20, 2018. This event will focus on the latest development of global retail banking market dynamics, policy trend, product innovation, marketing innovation, and risk control innovation, sharing the cutting edge business model and technology applications, exploring business opportunities in Retail banking industry.
由泽为资讯集团联合业内权威机构主办的”2018中国零售银行创新国际峰会”将于9月19至20日在上海举办。本次会议将聚焦国内外零售银行业务的市场动态、政策趋势、产品创新、营销创新、风控创新等方面的最新进展，分享最前沿的商业模式和技术应用，探讨和发掘零售银行业发展机遇。 |
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同期系列会议：2018年第二届中国保险科技创新国际峰会
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Official Wehat Account: zefangffi
了解更多行业资讯，欢迎关注官方微信公众号：泽方金融FFI |
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