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陸金所:大灣區成金融科技創新試點 中資銀行仍面對挑戰
中國平安(02318.HK)聯營公司陸金所(LU.US)旗下陸金所香港行政總裁蔡華於香港金融科技周論壇上表示,在政府的全面支持政策下,大灣區成爲金融科技創新的理想試點。跨境理財通無疑爲區內的財富管理市場帶來龐大的市場及機遇,但個別銀行及金融機構或需要提升金融科技水平。他指,部分中資銀行在理財業務上仍面對不少挑戰,包括缺乏線上獲客場景、產品選擇少或缺乏吸引力、投資流程斷點,及營運管理自動化程度低等。 蔡華對未來大灣區的財富管理業務前景表示樂觀,他指,大灣區擁有7,000萬居民,去年國內生產總值1.7萬億美元,目前區內的海外投資比例僅爲2%至3%。隨着人民幣逐步國際化,相信比例將顯着增加。大灣區亦是金融科技創新的理想試驗場,在政府的全面支持政策下,有望見證廣泛的跨境金融科技機會,大灣區亦可自金融科技解決方案的沙盒轉化爲連接內地與全球財富管理行業的橋樑,對行業至爲重要,而內地金融行業參與者亦將因而受惠。
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