| Where is the way of future retail banking under the impact of TechFin? |
| 科技金融时代，未来零售银行之路走向何方？ |
The Dilemma of Traditional Retail Banks
传统零售银行的困境
Traditional retail banks have always been regarded as the most valuable areas of banks. But today, there are three heavy mountains.
中国互联网银行的创新探索始于零售银行，传统零售银行一直被认为是银行最有价值的领域。但在移动互联时代，如今这个香饽饽面临着沉重的三座大山。 |
the invasion of Internet finance
互联网金融的侵袭 |
the sharp rise in the cost of outlets and personnel
网点渠道和人员的成本急剧上升
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thethe sharp reduction of the interest rate margin of the main bank
银行主营利差空间的大幅缩小
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In a sense, the 1.0 era of retail banking has come to an end. So where is the outlet for traditional retail banks?
从某种意义上说，零售银行1.0时代已经到了尾声，那么传统零售银行的出路在哪里呢？ |
| Early Confirmed Speaker 会议确认演讲嘉宾 |
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Lu Xiaoqun, master of law, senior economist. He is currently the president of retail section of HENGFENG BANK. He has long been committed to the innovation and integration of technology and finance, and provided customers with comprehensive financial solutions based on the value chain. Relying on the cloud platform, big data, building data-driven, scenario-based financial services, embracing the platform of economic development, In 2010 he debuted the "platform finance" business model.
卢小群，法律硕士，高级经济师。现任恒丰银行高管、零售板块总裁。长期致力于科技与金融的创新融合，为客户提供基于价值链的金融综合解决方案。依托云平台、大数据，打造数据驱动、场景式金融服务，拥抱平台经济发展，2010年银行业首推“平台金融”业务模式。 |
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The Road of Future Banks
未来银行之路
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In the era of mobile Internet, the traditional retail banking industry is also actively addressing the enormous challenges brought by technological innovation.
在移动互联时代，传统零售银行业也在积极应对技术革新带来的巨大挑战。
If the current retail banking direct banking is the initial and expansion period of the industry, the platform finance created by the Internet bank is the mature and stable period of the industry.
如果说现阶段的零售银行直销银行化是行业的初创和扩张期的话，那么互联网银行打造的平台金融则是行业的成熟和稳定期，而这些积淀终将在时间和空间等多维网络中形成“未来银行”的雏形，即金融工具化。
With the help of big data analysis, in recent years, HENGFENG BANK has actively promoted the transformation and development of retail business.
借助大数据分析全面升级产品与服务，有效整合物理网点+互联网渠道。近年来，恒丰银行积极推进零售业务转型发展。
The development of the future bank is on the basis of the innovation of the traditional bank's direct selling and banking transformation. It will move towards the platform, and build a third party platform with third party finance as the core ecology, and then make the finance a basic medium tool for the future network space.
未来银行的发展在传统银行的直销银行化改造创新的基础上，走向平台化，轻资产化，搭建一个第三方的以金融为核心生态的第三方平台，继而使金融成为未来网络空间的基本介质工具。跳出“银行”做银行，最终形成平台的融合和场景的渗透，走向未来银行之路。
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| IIC Series Event同期系列会议 |
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