李家诚互联网金融 穆怀朋:金融互联网和互联网金融不同

2017-08-10
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文章简介:搜狐财经消息 第八届中国银行家论坛在北京召开,在论坛上中国人民银行条法司司长穆怀朋表示,非常高兴来到这个论坛给大家讲一讲关于互联网金融的问题,来之前我看他们出的

搜狐财经消息 第八届中国银行家论坛在北京召开,在论坛上中国人民银行条法司司长穆怀朋表示,

非常高兴来到这个论坛给大家讲一讲关于互联网金融的问题,来之前我看他们出的题目有一个叫金融互联网和互联网金融的共赢问题,我利用这10分钟时间主要是想讲对这个问相关公司股票走势

中国银行工商银行题的几点看法,一会儿有对话环节,讲一些关于监管的总体考虑。

关于金融互联网和互联网金融,这个概念在去年我们开始从事这个问题的研究的时候大家就提出来了,一开始总觉得这两个概念是互相对立的,而且甚至在舆论上还出现过互联网金融要颠覆传统金融的这么一种观点,但是经过一年来的研究和思考,我想今天跟大家就金融互联网和互联网金融的区别和联系分享三个观点。

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"%20alt="李家诚互联网金融%20穆怀朋:金融互联网和互联网金融不同"%20/>

观点一:金融互联网和互联网金融应该说是同源的,它都是广义互联网金融的组成部分。

互联网金融应该是传统金融机构和现在的互联网企业,他们利用互联网技术和信息技术对资金的融通、支付、投资、信息的中介服务等等这种新的模式,提供了一种新的模式,互联网与金融的深度融合,是这个大势所趋,这种融合将会对整个金融的产品、组织、制度等等产生非常深刻的影响。所以互联网金融的规模和作用应该是不断地扩大的,对这种互联网金融的发展应该说是一种革命性的变革,应该完善政策、鼓励创新、积极推动。

互联网金融是不是一种业态呢?我们现在应该是共识的观点是,互联网金融是一种新的金融业态,如同在通讯、传媒、电子商务这些方面所发生的事情一样,我们出现过电子邮件、电子媒体、微博、电子商务等等,这些都是互联网技术对传统的通讯、媒体、商务的影响产生的结果,互联网金融应该也是互联网技术对金融业所产生的进行改变的结果,所以互联网金融的出现,我认为是互联网技术还有传统金融机构的互联网业务,以及电子商务的发展的这么一个结果。

互联网技术应该说是最先改变了传统金融机构的运营模式,我查了一下自己的记录,我发现更早的是,在工商银行2002年就已经在他那儿注册互联网业务了,所以说早在十多年前,我们的传统金融机构对银行、证券已经开始利用互联网技术来发展,网商银行、网上证券、网上保险等等很早了十多年前了,互联网改变传统金融机构的特点是什么?是改变了金融机构与客户之间的交互关系、交互方式,原来客户与金融机构在柜台端进行信息的交换提供服务,现在转变为互联网上的信息交换,我相信在座的大部分人,很多你们50%以上的业务都是在网上做的了,很少再上柜台办个转帐、存款等等了。

目前应该说传统金融机构网上业务又分化出来一些不设实体的网络银行,就像过去不设实体没有服务员的ATM机一样,网络保险和直销平台也都在这个诞生,不断地推出。

互联网金融的功能也是满足人们最基本的金融需求,特别是新型的移动互联网,比如说像第三方支付机构、P2P、网络借贷平台出现以后,大家觉得好像是一种新的业态,实际上这一部分机构所处理的关系,应该还是我们传统所面临的支付、借贷、股本融资、金融产品融资,这些传统金融机构所处理的问题。

但是目前互联网企业所从事的新型金融业务所呈现出来的形势,我认为有四个应该共识吧,就是四种形态。

一,第三方支付机构。

二,P2P网络借贷平台。

三,股权众筹机构。

四,网络平台销售金融产品。

这四种形态,这四种形态如果仔细分析的话,可能不精确,这是我们的观点,我们可以看到,所谓第三方支付机构,实际上是过去购物卡的衍生过来的互联网,P2P网络借贷就是民间融资的互联网,我们现在也把它定义为民间融资,是一对一的个人之间的融资,过去在小范围内熟人之间,现在变成互联网化了,股权众筹融资很像私募股权基金的互联网,网络平台销售金融产品,就是金融产品的电子商务平台,就像我们过去开始的在电子商务平台上(京东、淘宝)不买商品一样,现在有些金融产品,也在一些集中的电子商务平台上开始可以进行销售了,因此可以说互联网金融并不是与银行、证券、保险、基金、信托等等这些机构所并列的一种行业,而是在原有各个行业的基础上所衍生出来的一种新的业务模式,这种情况在其他行业也都有,在农业中也有,在我们的物流系统,好像我体会物流系统也是。

过去邮政是非常垄断的,国家垄断的行业,但是大家看看,随着电子商务的发展,物流系统大大发展了,物流系统是非常像邮政的一种物质商品的流通系统,所以这个是这么一个观点。所以互联网金融的本质还是金融。

互联网金融的资金需求方应该说和资金的供给方通过互联网进行信息交换实现了资金的活动,传统的金融应该说是资金需求方与资金供给方,是通过银行、证券公司等等实现的资金的融通,银行证券在里面要承担一定的资产负债业务,或者投资业务的管理,但是在刚才我说的新型的互联网企业所从事的金融业务,他们更多地应该是从事信息的交换、信息的中介,完全去中介化是不可能的,但是他不应该承担资产负债业务管理。

所以互联网金融的特征是以大数据、云计算、社交网络、搜索引擎为基础的客户信息挖掘和信用风险的管理,以点对点直接交易为基础的一种资源配置模式,这是第一点,就是他们实际上是同源的,不要把它对立起来。

第二个就是传统金融机构的互联网金融业务,与现在互联网企业开展的新型的金融业务应该是互补的互联网金融应该不是传统金融的替代,两者之间有很强的互补性,都是金融体系的一个有机组成部分,我们发现互联网金融在满足海量小额资金融通和支付方面,具有明显的优势,在满足中低收入阶层、小微企业融资需求以及中间收入人群的投资需求方面、降低成本方面也都能够发挥独特的作用,这种互补性也体现在金融市场的多层次性。

我们就以P2P借贷市场为例,借款人如果需求的资金量很大,比如说上千万、上亿,你恐怕很难找到一个一对一的借出者给你这么多资金,这就需要有银行来介入。但是当资金份额很小的时候,这时候就容易找到需求者,所以这个资金大的时候,资金的错配和期限的错配,信用风险都会加大,大的银行经营起来就会有效率,但是如果小的投资,像我们现在发现的P2P网站上的这些小额投资,就容易找到匹配关系,这种愿意以小额进行风险投资的需求,和愿意需要小额资金的这种海量需求,通过互联网的匹配是非常有效率的。

这种互补性在其他行业中应该也是存在的,我这里有时候在底下一些个讲,其他场合也讲,像交通方面很明显,我看过一个材料,500公里以下应该是高速的天下,你开个汽车跑一跑很划算、很方便,500到1500公里估计就是高铁的天下了,1500公里以上应该是飞机的天下,反过来飞机要飞100公里他也不划算,一起飞就降落了,所以各个工具之间有一个合理的半径和服务半径,我觉得在互联网金融,传统金融机构的互联网业务和现在新型的大家所说的第三方支付、P2P、众筹等等这些机构之间,应该是有一个互补关系的。

据一些统计调研,2013年中国网络借贷行业蓝皮书,我参考这么一本书,它的统计讲2013年90家网络平台的人均借贷金额,包括多次借贷是32.84万元,以个人信用贷款为主的拍拍贷、人人贷、以及陆金所的人均借款金额,均在10万元以下,在企业规模方面又以小微企业为主,以人人贷为例,有接近三分之一的公司人数在10人以下,包括个体户,超过半数的公司人数也都在10到100人之间,小微企业。

观点三:传统金融机构的互联网业务与互联网企业现在开展的新型业务,应该说是共生的,可以合作共赢的。

互联网金融与传统金融机构之间实际上也在出现相互的融合、相互促进的趋势,我们应该鼓励这种机构之间开展合作实行优势互补,支持银行信托投资、金融租赁、融资担保、小额贷款公司等等这些机构与互联网企业开展合作,建立一个良好的互联网金融生态产业链。。

首先互联网企业开展的金融业务,应该是以传统银行、证券公司的互联网业务为基础的,没有传统银行、证券公司的网络业务基础,第三方支付机构的运作,网络基金销售基本上是不可能的,没有良好的合作也是没有效率的。

其次在业务上也有合作的必要性,比如说银行金融机构要为第三方支付机构、为P2P、网络借贷平台等互联网企业提供资金存管、支付清算甚至小额的贷款支持的等等金融服务。

支持小额贷款公司和融资担保公司等小微金融机构,也可以和互联网企业开展业务合作,实现商业模式创新,比如说我了解到江苏开鑫贷就是由小额贷款公司推荐客户,由江苏银行实行资金托管,由开鑫贷公司进行信贷双方的信息匹配,达成良好的合作,发展得很好。

另外像证券、基金、期货类机构与互联网企业的合作,可以拓宽金融产品销售渠道,创新财富管理的模式,保险公司与互联网企业合作,开展履约保险业务,也可以改善互联网金融风险管理的水平。