基于消费金融生态圈的银行零售业务转型研究  

Research on Bank Retail BusinessTransformation based on Consumer Finance Ecosystem

作　　者：欧阳敏姿 吴霜 林仁志 刘如桑 Ouyang Minzi;Wu Shuang;Lin Renzhi;Liu Rusang

机构地区：[1]中国农业银行武汉金融研修院,湖北武汉430070

出　　处：《西南金融》2022年第5期29-41,共13页Southwest Finance

摘　　要：“十四五”规划的出台是消费在国民经济中重要性的进一步体现。市场的消费能力直接影响到实体经济产业的发展,在拉动实体经济发展、促进消费良性循环增长上,消费金融是重要的助推器,也是促进消费、扩大内需的重要推动力。尤其是新冠肺炎疫情常态化防控下,全球经济发展迟滞,趋于保守的消费能力直接影响实体经济运行,消费金融的加入能够激发居民消费潜力。同时,作为居民消费和实体经济协同共生的桥梁,商户是供给侧和消费侧的联结点,打造特惠商户和收单商户群,构建以“消费为目的、场景为依托、支付为基础、消费金融为支撑”的“商户+”消费金融生态圈,是顺应消费升级趋势、提升传统消费的消费新模式新业态,能够在拉动居民消费、促进商业繁荣、改善金融服务环境、服务实体经济等方面发挥积极作用。The introduction of the"14th Five-Year Plan"is a further manifestation of the importance of consumption in the national economy.The consumption capacity of the market directly affects the development of the real economy industry.In driving the development of the real economy and promoting the virtuous cycle of consumption growth,consumer finance is an important booster,as well as an important driving force for promoting consumption and expanding domestic demand.Especially under the normalized prevention and control of the COVID-19,the global economic development is sluggish,and the conservative consumption capacity directly affects the operation of the real economy.The addition of consumer finance can stimulate the consumption potential of residents.At the same time,as a bridge between consumption and the real economy,merchants are the link between the supply side and the consumption side.Creating a group of preferential merchants and acquirer merchants,and building a"merchant+"consumer finance ecosystem with"consumption as the purpose,scenario as the basis,payment as the foundation,and consumer finance as the support"is the new consumption model and the new business format that conforms to the trend of consumption upgrading and enhances traditional consumption.It can play an active role in stimulating residents'consumption,promoting business prosperity,improving the financial service environment,and serving the real economy.

关 键 词：消费金融 金融生态圈 零售业务 消费升级 场景金融 银行经营转型 大数据风控 数字金融 

分 类 号：F832[经济管理—金融学]