Business insight third – financial technology radar and trends

[导读]
2015年是互联网金融监管元年,自此政策猛然收紧,风口关闭。正当互联网金融这股洪荒之力无处宣泄之时,FinTech这个泊来的词汇,来地恰逢其时,给互联网金融一个新契机。
我们认为,FinTech的实质在于, “用科技的力量,更好、更快地服务于实体经济”。创新的技术,在体验和渠道、支付和交易、风控和安全、计算资源和算法模型四个维度革新了或者正在革新着金融服务。《ThoughtWorks金融科技雷达——金融科技趋势前瞻》尝试来分析这些领域的创新技术,并探讨这些技术的市场成熟化发展态势。
金融业总是危机不断。富国银行几乎是全球零售银行争相学习的典范,近来却爆发了虚假账户丑闻。金融科技的高歌猛唱,更是让金融机构感觉四面楚歌。但总有些商业本质规律是不变的。虽然未来未可知,瑞典商业银行的分权赋权管理理念、历史变迁还是能给我们带来启发。《向左,向右?银行治理的反思》一起来回顾历史故事,反思银行治理的理念。
伴随着以太坊(Ethereum)重新定义区块链应用场景、R3、金链盟等的成立,可信可控云计算、终端安全存户等技术的演进,区块链应用步伐大大加快。《区块链之问——产业应用的机遇和挑战》从区块链技术的源头,深入剖析其产业化面临的挑战和机遇。
以客户为中心建立忠诚体系、打造产品闭环、进行生态创新,对于转型企业来说,似乎人人皆知,但仅有星巴克这样的企业将其做到极致。《星巴克数字忠诚15年》带领我们回顾过去的15年,星巴克如何一步步打造其「内生态」产品闭环,及现在如何逐步构建企业「外生态」,揭示星巴克的核心创新逻辑,其故事值得正在转型的传统金融机构学习。
金融企业在组织转型中,通常面临着类似的挑战:业务侧敏捷滞后、以项目为中心的运营结构、一刀切的治理模式。深入理解敏捷适应性领导力、以价值驱动业务投资决策、以产品为中心运营、多样并存的治理模式,《提升业务响应力:践与行》以多年的实战经验,分享了这些方面的落地实践。
区块链有机会彻底改变供应链金融行业。一方面,供应链金融会颠覆商品的生产、仓储物流、销售等模式,并为深层融资和开创新商业模式提供机会;另一方面,提高供应链金融的透明度、可追溯性和安全性能够促进构建更安全、更可靠的供应链金融体系。《区块链,供应链金融的新机遇》详细探讨了这两方面的应用场景。
FinTech时代,安全问题愈来愈迫在眉睫,然而,现实中“安全”却是企业数字化转型中最薄弱的一环。如何从被动性的防御,转为主动注入安全基因?《为数字化企业注入安全基因》分享了如何用Build Security In内建安全的方式,更早识别安全问题、利用自动化技术缩短反馈周期、持续共同协作的方式主动预知并化解安全问题。
《ThoughtWorks商业洞见——金融科技雷达》电子书在亚马逊上线啦,点击[阅读原文]即可到购买页面购买哦~
测绘法修订草案二审:保障国家地理信息安全
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Reading guide

PHP 常见棘手问题答解(许昌鲤鱼IT编程培训)

2015 is the first year of financial regulation of the Internet, since the policy suddenly tightened, air outlet closed. As the Internet financial stocks the force of an outlet when the FinTech comes to the vocabulary, the time for Internet banking is a new opportunity.
We believe that the essence of FinTech is, with the power of science and technology, better and faster service to the real economy. Innovative technology, innovation and innovation in financial services in the four dimensions of experience and channels, payments and transactions, wind control and security, computing resources and algorithm model. ThoughtWorks financial technology radar – financial technology trends look forward to trying to analyze innovative technologies in these areas, and to explore the market maturity of these technologies.
The financial sector is always in crisis. Wells Fargo is almost a model of global retail banking to learn, but the recent outbreak of false account scandal. Financial technology to sing fierce sing, is to let financial institutions feel besieged on all sides. But there are always some of the commercial nature of the law is not the same. Although the future is not clear, the Swedish banking authority of the concept of decentralization of power management, changes in history can bring us inspiration. To the left and to the right? Reflections on Bank Governance: a review of historical stories and Reflections on the concept of bank governance.
With the etheric Fang (Ethereum) was established to redefine the blockchain application scenarios, R3, such as the chain alliance, the evolution of trustworthy and controllable cloud computing, terminal security depositors and other technology, greatly accelerated the pace of application chain block. The question and challenge of block chain — from the source of block chain technology, analyzes the challenges and opportunities of its industrialization.
Take the customer as the center to establish loyalty system, building products, closed-loop ecological innovation, for the transformation of enterprises, to All the world knows. companies like Starbucks, but only to achieve the ultimate. 15 years Starbucks digital loyalty led us over the past 15 years, Starbucks is a step by step how to build its ecological products and closed-loop, now how to gradually build enterprise ecological, reveals the core logic of Starbucks innovation, learning the traditional financial institutions are in transition of the story is worth.
In the process of organizational transformation, financial enterprises usually face similar challenges, such as business agility lag, project centered operational structure, and one size fits all governance model. Understanding of agile leadership, adaptability to value driven business investment decision-making, product centric operation, diversified governance mode, improve business response: practice and with years of practical experience, to share the landing practice in these areas.
Block chain has the opportunity to completely change the supply chain finance industry. On the one hand, the supply chain finance will subvert the commodity production, logistics, sales and other models, and provide opportunities for deep financing and create new business models; on the other hand, to improve the supply chain financial transparency, traceability and safety can promote the construction of system of supply chain finance is safer and more reliable. Block chain, supply chain finance new opportunity discusses the application of these two aspects of the scene.

天津网络安全和信息化工作综述:建一流网络强市

In the FinTech era, the security problem is becoming more and more urgent. However, in reality, security is the weakest link in the digital transformation of enterprises. How to move from passive defense to active injection? Digital enterprise into the safety gene shared how safety Build Security In in the way of security issues, using the earlier recognition of automation technology to shorten the cycle, continuous cooperation mode feedback active predict and resolve security issues.
ThoughtWorks business insight – financial technology radar e-book on-line in the Amazon it, click on the original page to buy to buy Oh ~!
安全不能完全依靠某一项控制措施,安全需要完备的系统化管理。
Long by two-dimensional code to me transfer
Affected by the new regulations of Apple Corp, WeChat iOS version of the feature is closed, can be transferred through the two-dimensional code to support public numbers.
The author of the article has set up the need to be able to leave a message
WeChat sweep attention to the public number

多地开工建设信息安全产业化基地,重复建设现象严重,或引发投资过热。

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Company profile

深圳创维融资租赁有限公司(以下简称创维租赁)成立于2015年7月,是在深圳前海自贸区注册的外商投资融资租赁企业,注册资本5亿元人民币。主要业务范围包括直接租赁、售后回租、经营性租赁、租赁咨询和担保以及商业保理等。创维租赁的唯一股东为创维集团。创维排名世界十大彩电品牌前列,位居中国电子百强第十三位,是中国显示行业领导品牌,旗下拥有包括在香港上市的创维数码(0751.HK)与在深圳上市的创维数字(000810.SZ)等十余家高科技企业。2015年创维品牌价值达658.89亿元。
秉承创维集团“专注健康科技”的理念,创维租赁致力于为新能源、新材料、节能环保、信息技术、生物医药、高端装备制造等行业的中小企业提供度身定制的全流程融资租赁与商业保理服务。创维租赁将以自身的专业服务减轻客户融资压力、提高资金使用效率,把更多的精力投向主业的高速拓展。创维租赁全力与客户共同分享新兴产业的高速增长。
值得关注的非革命性创新——基于云端的HSE培训服务
创维租赁的管理团队来自于知名融资租赁公司、国内大型投行、银行与公募基金,是一支经验丰富、运作高效的经营团队。凭借核心管理层的专业能力与股东创维集团的实力,创维租赁已与工商银行、农业银行、兴业银行、光大银行、平安银行、民生银行、浦发银行、北京银行、江苏银行、中信银行、华夏银行、华兴银行、浙商银行、国泰君安证券、安信证券、第一创业证券、东海证券、西南证券、中山证券、招商基金、宝盈基金、工银亚洲、工银瑞信基金等境内外金融机构建立起了战略合作关系。在业务上,也与海润光伏、广州浪奇、国药控股、杰隆生物、广电地产、顺风光电、爱能森、华谊嘉信、东方视角等行业龙头企业开展了深入的业务合作,积累了大量的成功案例。
创维租赁目前已经形成了一套完整的融资租赁交易模式,主要优势有:
1、项目形式多样。我司主要面向新兴产业,业务团队对于宏观经济与行业有深入研究,与各金融机构、上市公司保持着多层次联系,除直接开展融资租赁与商业保理业务之外,还可与券商、信托、银行等金融机构以及产业链上下游合作,共同为企业打造良好的投融资环境。
2、 交易流程便捷。我司对融资租赁与商业保理业务的具体操作有丰富的实践经验,已经形成了一套安全效率兼顾的交易模式。凭借与各家银行、信托、券商等金融机构稳固的合作关系,我司发起的项目,在合作机构中享有较高的优先级,可在较短时间内完成项目流程。
3、融资成本较低。我司通过股东创维集团与境外大型金融机构形成广泛的合作联系,可获得低成本的海外资金;与工行、农行、交行的战略合作也使我司在境内获得的资金成本较具竞争力。此外,我司凭借研究与风控实力,可有效控制项目风险溢价,从而在整体上降低企业融资成本。

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Shenzhen SKYWORTH Finance Leasing Co., Ltd. (hereinafter referred to as SKYWORTH lease) was established in July 2015, is a foreign investment in Shenzhen, Qianhai Free Trade Zone financial leasing business, the registered capital of 500 million yuan. The main business scope includes direct lease, customer service, leasing, lease leaseback business consulting and guarantee and commercial factoring etc.. SKYWORTH’s sole shareholder is SKYWORTH group. SKYWORTH ranked the world’s top ten TV brands ranked the forefront of the top 100 electronic China thirteenth, is Chinese display industry leading brands, including SKYWORTH digital owns listed in Hongkong (0751.HK) and Shenzhen listed SKYWORTH digital (000810.SZ) and dozens of high-tech enterprises. 2015 SKYWORTH brand value of 65 billion 889 million yuan.
Adhering to the SKYWORTH group focus on health technology concept, SKYWORTH leasing dedicated to new energy, new materials, energy saving and environmental protection, information technology, bio medicine, high-end equipment manufacturing and other industries of small and medium-sized enterprises to provide the whole process of finance leasing and factoring business services tailored. SKYWORTH lease will be its own professional services to reduce the pressure of customer financing, improve the efficiency of the use of funds, to invest more energy to the rapid expansion of the main industry. SKYWORTH leasing with customers to share the rapid growth of emerging industries.
SKYWORTH leasing management team from well-known financial leasing companies, domestic large investment banks, banks and public funds, is an experienced, highly efficient operation of the team. With the management of the core competence and shareholder of SKYWORTH group’s strength, SKYWORTH lease has been with the industrial and commercial bank, agricultural bank, industrial bank, China Everbright Bank, Ping An Bank, Minsheng Bank, Shanghai Pudong Development Bank, Beijing bank, Jiangsu bank, CITIC Bank, Huaxia Bank, Hua Xing bank, Zhejiang bank, Guotai Junan Securities, essence securities, the first venture securities, Donghai securities, Southwest Securities, Zhongshan securities, China Merchants Fund, Bauhinia fund, ICBC Asia, ICBC Credit Suisse fund and other domestic and foreign financial institutions to establish a strategic cooperative relationship. In the business, but also with Hareon, Guangzhou Lonkey, Sinopharm, genon biological, broadcasting estate, wind optoelectronics, love Sen, spearhead, Oriental perspective of industry leading enterprises to carry out in-depth business cooperation, has accumulated a large number of successful cases.

SKYWORTH lease has formed a complete set of financial leasing transaction model, the main advantages are:
1, the project forms. Our main business team for the emerging industry, in-depth study on the macro economy and industry, maintain a multi-level contacts with various financial institutions, listed companies, in addition to the direct financing lease and commercial factoring, also with the brokerage, trust, banks and other financial institutions and industry chain cooperation, common for enterprises to build a good investment and financing environment.
2, convenient trading process. Division I has a wealth of practical experience in the specific operation of financial leasing and business factoring business, has formed a set of safe and efficient trading model. With the banks, trust, brokerage and other financial institutions solid partnership, the company initiated the project, enjoy a higher priority in the cooperation agencies, in a relatively short period of time to complete the project process.
3, lower financing costs. Our shareholders by SKYWORTH group and overseas large financial institutions formed extensive cooperation, can obtain low-cost overseas funds; strategic cooperation with ICBC, Agricultural Bank of China, Bank of communications also make our access to capital in the territory of more competitive costs. In addition, our company with research and risk control strength, can effectively control the project risk premium, thereby reducing the overall cost of corporate finance.
谈到信息安全的事情,一些管理者首先会想到自己企业的信息是否被盗,如何防止内部员工拷贝一些关键的信息,往往会不在意业务处理过程中的信息安全性,他们忽略了信息的录入、修改和删除的过程。

…快消品B2B发展迅速,千亿级市场待开发_ 研究报告正文 _ 数据中心 …

WeChat sweep attention to the public number

多家公司发布无线安全战略,安全需要共建,手机用户对网络信息安全方面的需求主要为防骚扰、防泄漏、防扣费、防毒和防盗。

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