| Retail Banks How to Defuse the Crisis under the Impact of Internet Finance |
| 互联网金融的冲击下，零售银行危机如何化解 |
The financial industry, with the data as the core, is accelerating to accept and turn to a big data thinking with the typical characteristics of the full data model, the quantitative thinking and the relevant thinking.
今时今日，全领域和全方位的数字化已经是大势所趋，以数据为核心的金融行业正在加速接受并转向一种以全数据模式、量化思维、相关性思维为典型特征的大数据思维。
(The following segment is taken from RBI China 2018 Speaker Sheldon Wang's previous interview)
（以下片段内容摘自2018中国零售银行创新国际峰会演讲嘉宾包商银行王双洋之前一篇采访）
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PART ONE—CRISIS 危机 |
Banks face three crises with the big data and rapid development of the third party payment:
银行在面临大数据和第三方支付快速发展的今天，主要有三个危机：
The first crisis—the account crisis. More than 1/3 users are reducing the frequency of contact with banks. Banks are discarded in the future or by customers.
第一个危机，账户危机。调研报告显示，目前支付宝和微信已经成为很大部分客户资金中心，超过1/3的用户在减少和银行的接触频率。银行在将来或被客户抛弃。
The second crisis—the crunch of customer relations. Before the bank and customer contact is connected from the account, but now Alipay, WeChat has been disconnected. In addition to this foreign bank, the competitiveness of the bank is also declining.
第二个危机，客户关系危机。以前银行与客户的接触是来自于账户的连接，但如今已经被支付宝、微信断开了。传统银行在给客户融资、授信的时候需要抵押品，但互联网银行则依靠大数据完成，传统银行的竞争力也在下降。
Third crises—the data crisis. Bank data governance will serve as a checkpoint for banks in the future. The regulation only sees the quality of data, and does not see the incompleteness of the data.
第三个危机，数据危机。银行数据治理将作为今后银行的考核点。监管此举非常正确，但还存在不足，监管只看到数据质量问题，并没有看到数据的不完整性，维度较为单一。 |
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PART TWO—SOLUTION 措施 |
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Sheldon Wang expressed his view on how the retail banking industry should deal with the above problems:
对于零售银行业如何应对上述问题，王双洋表达了自己的观点：
Banks have to bind retailers. Because there are common interests, it is necessary to rebuild relations with customers, whether they are C client or B client.
银行必须要绑定零售商。因为有共同的利益，需要重建和客户之间的关系，不管是C端客户还是B端客户。数据显示，我国居民储蓄增速从2010年到2017年降到7.7%，历史最低，人们不愿意存钱了，钱都去了消费市场。此外，银行还需要消费场景合作，植入场景，因此最好的合作伙伴就是零售商。
Banks need to pay for high-frequency accounts, get customers and get data.
银行需要以支付争夺高频账户，获取客户，获取数据。王双洋表示，新零售无处不在，意味着金融服务业应该无处不在。通过支付，银行可以更便捷地连接客户；通过支付，可以获取更大量的数据以及客户。
Sheldon Wang believes that when the banks achieve the above two points, it will help to face the crisis directly.
当银行做到以上两点时，将有助于直面应对危机 |
| Early Confirmed Speaker 会议确认演讲嘉宾 |
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Sheldon has over 15 years working experience in Information Technology and Financial Services industry. The most current employment is with Bao Shang Bank as General Manager of Omni-Channel Management Department managing online and offline channels where he developed the mobile strategy, customer experience improvement strategy and branch management strategy, community bank strategy for the bank.
王双洋，包商银行渠道管理部总经理。拥有超过15年的信息技术和金融服务领域的工作经验 (瑞银、巴克莱、华安基金管理公司、宝商银行)。他熟悉网上银行系统、信用卡管理系统、财富管理系统和电子商务。目前作为包商银行全渠道管理部门总经理, 负责管理在线和离线渠道, 他制定了移动战略、客户体验改进战略和分支管理战略，银行的社区银行策略。他与不同的互联网公司建立了伙伴关系, 以加强银行的电子渠道能力。 具有很强的市场意识、良好的沟通能力、领导能力和执行力, 以及创新和网络思维。
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“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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Best Regards, 顺颂安祺！
Bonnie Koo 谷小姐 | Organizing Committee of RBI China 2018 | SZ&W Group
Tel: +86 21 5830 0710-8045 | Mob : +86 183 0193 0369 | Email: bonnieg@szwgroup.com |
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