Who will the future development of the banking industry depend on? Talent or informatization?

The Development of China's banking industry has reached a very high level today. Some of us abroad basically include traditional banking, investment banking, and mixed operation (including insurance, asset management, and financial leasing) there are quite a few; but at the same time, the emerging new banks and the older generation are also in fierce Homogeneous Competition. You have a large family of products, and you can only fight for price and service, the other thing is whether you dare to take risks "! What is the way out for the future development of the banking industry? How can we avoid a close fight in the "Red Ocean? Talent and informatization are the key, and informatization is the top priority!

The reason why there is no more core information technology for talents, I personally think that the primary condition for talents to play a role is that there is a material foundation. Is it difficult for a smart man to make it easier? This material basis comes from information technology! Without the rich resources provided by information technology, talents cannot really exert their values. with rich resources, I believe that even if it is not a talent, the power of the cluster can also create considerable value, the top three stinks are Zhuge!

The importance of informatization to banking development is mainly reflected in the following aspects:

1. improve work efficiency:

This is easy to understand. If the system is not connected to the system, how can the work efficiency be improved more than doubled (except in special cases, see the relevant blog), while saving time, the accuracy is also greatly improved;

Ii. Cost Reduction:

This is very important. Everyone said that the Bank has a high income. If you ask a single person to spend more than yuan a year, it is inferior to investing in information technology. This not only saves the need to hire new people, but also compresses existing jobs, in addition, the system is hard-working and never takes a year off. It is really necessary for the bank's management to avoid overtime;

Iii. Enhancing corporate image:

The bank can't get a few decent systems now. You are embarrassed to chat with the same industry and do business promotion at the customer's place. If you don't take a few professional terms of the system, you will feel that you have no face to face, therefore, bank informatization equals Bank face!

Iv. Competitive Advantages:

Improving efficiency, reducing costs, and improving the image naturally reflect the competitive advantage of the industry. In the process of business competition, this advantage is sometimes the key to success or failure.

V. Develop innovative products :,

I personally think this is the most profound influence of informatization on the banking industry (similar to other industries! Relying on the Information Analysis of customer needs, resource advantages, product structure, price positioning, and so on, to determine the current or future needs of customers, but also different from the competitors of products and services, looking for the "Blue Ocean" in the market reflects the degree of specialization of banks while maximizing profits. I believe that every bank manager cannot resist this temptation!

Can current informatization achieve the above-mentioned hopes? Frankly speaking, although I did not do well at the first or fourth points, I basically did it, but there was a gap in the fifth point. Why? Informatization and various systems are innocent, but the problem lies in our planning for informatization in the banking industry. We have started implementation in a rush without building a scientific informatization architecture in the banking industry; most of the existing plans are implemented in the form. It can be said that the problems reflected in the previous blog posts are inevitable in the current informatization development. To some extent, these problems can help us better identify the direction and better summarize experiences and lessons, it is also conducive to promoting the future development of banking informatization.