Zhongxin Jingwei, January 19 (Wei Wei, intern Chai Xinyang) "The future of banks, to conform to the general trend of the digital economy, continue to explore and iterate on digital innovation, and better meet the growing demand for digital financial services for users. Recently, Li Rudong, president of Baixin Bank, said in an interview with Zhongxin Jingwei.
According to public information, Baixin Bank, founded in 2017, is the first independent legal person direct sales bank in China jointly initiated by China CITIC Bank and Baidu, and the first state-controlled Internet bank.
"In the context of the digital economy, Baixin Bank, as a native digital inclusive bank, has actively explored in the fields of inclusive finance, green finance, wealth management and financial technology, achieved balanced development of scale, efficiency and quality, and has entered a stage of sustainable and high-quality development." Li Rudong said.
As a test field for the digital transformation and development of the banking industry, Baixin Bank has established a development model of digital operation since its inception. Li Rudong introduced that Baixin Bank has invested a lot in financial technology, and has initially formed the scientific and technological characteristics of "cloud, agile, intelligent and secure", and is at the advanced level in the fields of intelligent risk control, intelligent marketing, intelligent customer service and ecological link.
Especially in the field of inclusive finance, although the achievements of the banking industry in the field of inclusive finance in recent years are obvious to all, it is still necessary to continue to explore business models with controllable risks and low costs.
Li Rudong pointed out that in addition to paying attention to financial indicators such as assets, liabilities, scale and efficiency, Baixin Bank focuses on the core of digital operation, emphasizes the differentiation capabilities such as intelligent risk control, intelligent marketing, user operation, and financial technology, actively practices digital inclusive finance, and continuously improves the quality and efficiency of serving the real economy.
According to the data, as of press time, Baixin Bank has more than 69 million service users, covering more than 800 counties and cities across the country, and more than 60% of the customer base is a low-income group in cities below the third tier, of which small and micro enterprises and individual industrial and commercial households that have obtained bank credit services for the first time account for 42%. "Baixin Bank's practice proves that the development model of digital inclusive finance is sustainable, and it also shows the energy and charm brought by digitalization." Li Rudong said.
Since the beginning of this year, the global capital market has paid great attention to future banks, such as Kakao Bank in South Korea, Nubank in Brazil, and Starling Bank in the United Kingdom, all of which have been recognized by the capital market.
"Facing the future, the meta-universe industry is booming and may become an important track of the digital economy." Li Rudong said that recently Baixin Bank actively embraced the trend of meta-universe and took the lead in issuing the NFT digital commemorative collection in the industry on the occasion of the fourth anniversary of the bank, which is a new attempt by Baixin Bank in the field of digital assets. Not long ago, Baixin Bank also officially launched the virtual digital employee AIYA Aiya, and the digital asset management platform "Baixin Bank Whale Xi" WeChat Mini Program, providing digital asset issuance and circulation services for financial institutions, forming a unique ownership certificate for each digital asset.
Li Rudong believes that the future of the bank is to conform to the general trend of the digital economy, continue to explore and iteratively innovate digitally, better meet the growing demand for digital financial services of users, and strive to explore the service model and format innovation of future banks. (Zhongxin Jingwei APP)
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Editor-in-Charge: Luo Kun
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