金融创新新模式:自助金融——基于商业银行视角的研究  

A New Pattern of Financial Innovation: Self-service Finance—Based Research on the Perspective of Commerc ial Bank

作　　者：高尚 

机构地区：[1]农业银行总行信用卡中心,上海200120

出　　处：《浙江金融》2018年第2期27-32,共6页Zhejiang Finance

摘　　要：在当前国内经济新常态的发展态势下,面向个人客户的商业银行零售金融领域理论创新是经济理论界的研究热点之一。本文从国内银行业传统零售金融业务模式入手,分别从产品营销方式、金融生产方式、资产使用方式、金融效率、资产流动方式五个方面对当前零售金融业务进行了全面梳理与深入剖析,在此基础上提出了自助金融的概念。随后分别从自助金融的特征、分类、产品设计方式等角度继续对自助金融进行了进一步阐述。自助金融是一个新的金融创新模式,基于自助金融本文相继提出了正向金融生产、反向金融生产、逆向精准营销、资产信用化、资产共享化等新概念,该研究成果为商业银行零售金融创新提供了一个重要的参考模式、具有广泛的应用前景,同时也代表了未来智慧银行的一个重要发展趋势。Under the current trend of the New Normal about domestic economic development,the theoretical innovation in the field of retail finance is one of the hotspots of research.This paper starts with the traditional retail banking business model in domestic banking industry, analysize thoroughly current business model from five aspects including product marketing,financial production,assets use,financial efficiency and assets flow.On this basis,the concept of Self-service Finance is proposed.Then the Self-service Finance continued to be further elaborated from the point of view of the characteristics、classification and product design. Self-service Finance is a new model of financial innovation.This paper has put forward a series of new concept including positive production of finance,reverse production of finance,reverse precision marketing,asset credit,asset sharing.The results of this study provide an important reference model for the retail finance innovation of commercial bank,and which represent an important trend of future development of smartbank.

关 键 词：自助金融 金融生产 逆向精准营销 资产信用化 资产共享化 

分 类 号：F832.2[经济管理—金融学] F832.33