由于利率去监管化、违约增多以及信贷狂潮后需要抑制贷款增长,中国的银行的传统放贷业务正承受巨大压力。在这样一个时点,数据的流失为它们带来了一大挑战。
Big data is seen as vital to lenders’ ability to expand into new business line
对银行向新业务线拓展的能力来说,大数据被认为有着至关重要的意义。
In the past, commercial banks focused on servicing large enterprises and didn’t care much about consumers.
八六证券研究(86 Research)驻上海高级金融科技分析师王晓燕(音译)表示:过去,商业银行把主要精力放在服务大企业上,不太关注消费者。
But with the macro-economy suffering, the corporate business is facing pressure on margins on growth, said Wang Xiaoyan, senior fintech analyst at 86 Research in Shanghai.
然而,随着宏观经济遭遇麻烦,企业业务的增长空间面临压力。
Banks definitely want to capture the opportunity in retail banking, but if they don't have payment and consumption data, it’s difficult to gain consumer mindshare.
银行无疑希望抓住零售银行业务的机遇,但如果它们没有支付和消费数据,将很难引起消费者的更多关注。
In a sign that banks recognise the importance of data, China’s big four state-owned commercial lenders have each launched their own ecommerce platforms in recent years.
【移动支付崛起威胁中国商业银行获取大数据的能力】相关文章:
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