{"id":879,"date":"2019-10-29T09:57:55","date_gmt":"2019-10-29T01:57:55","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=879"},"modified":"2020-07-04T12:48:08","modified_gmt":"2020-07-04T04:48:08","slug":"%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%95%b8%e7%a2%bc%e5%8c%96%e9%9d%a9%e5%91%bd","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/10\/29\/%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%95%b8%e7%a2%bc%e5%8c%96%e9%9d%a9%e5%91%bd\/","title":{"rendered":"\u91d1\u878d\u79d1\u6280\u7684\u5d1b\u8d77\u2014\u5371\u6a5f\u6291\u6216\u6a5f\u9047\uff1f(\u4e00)\u4e09\u5927\u8da8\u52e2\u63ed21\u4e16\u7d00\u4f01\u696d\u9280\u884c\u6578\u78bc\u5316\u9769\u547d"},"content":{"rendered":"\n<h3>\u7b2c\u4e00\u5927\u8da8\u52e2\uff1a\u4f01\u696d\u9280\u884c\u96fb\u5b50\u6578\u5b57\u5316<\/h3>\n\n\n\n<p>\u50b3\u7d71\u8cb8\u6b3e\u904e\u7a0b\u7e41\u7463\uff0c\u8017\u6642\u81f3\u5c11\u5169\u500b\u6708\u3002\u70ba\u63d0\u9ad8\u904b\u71df\u6548\u7387\uff0c\u73fe\u6642\u4f01\u696d\u9280\u884c\u9032\u884c\u6578\u78bc\u5316\u8f49\u578b\uff0c\u5c0b\u6c42\u7a0b\u5e8f\u81ea\u52d5\u5316\u3002\u4f8b\u5982\u7121\u7d19\u5316\u7a0b\u5e8f\u8655\u7406\u4e0d\u4f46\u53ef\u7cbe\u7c21\u7e41\u8907\u6d41\u7a0b\uff0c\u66f4\u53ef\u964d\u4f4e\u98a8\u96aa\u548c\u904b\u71df\u6210\u672c\u3002\u6b64\u5916\uff0c\u4f01\u696d\u9280\u884c\u5229\u7528\u5927\u6578\u64da\u53bb\u9810\u6e2c\u548c\u76e3\u7ba1\u53ef\u80fd\u7684\u8cb8\u6b3e\u640d\u5931\uff0c\u4e26\u901a\u904e\u5be6\u6642\u76e3\u63a7\u4f86\u6e1b\u8f15\u98a8\u96aa\u3002\u4f8b\u5982\u96f2\u7aef\u7684\u6703\u8a08\u5e73\u53f0 Xero\u6216Wave \u5c31\u53ef\u4ee5\u65b9\u4fbf\u4e2d\u5c0f\u4f01\u696d\u8a18\u8cec\u540c\u6642\u8b93\u9280\u884c\u4e86\u89e3\u516c\u53f8\u5373\u6642\u73fe\u91d1\u6d41\u3002\u8207\u6b64\u540c\u6642\uff0c\u4f01\u696d\u9280\u884c\u66f4\u53ef\u5229\u7528\u5927\u6578\u64da\u77ad\u89e3\u5ba2\u6236\u9700\u6c42\uff0c\u5efa\u7acb\u7262\u56fa\u7684\u5ba2\u6236\u95dc\u4fc2\uff0c\u4e26\u589e\u52a0\u4ea4\u53c9\u92b7\u552e\u6a5f\u6703\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3>\u7b2c\u4e8c\u5927\u8da8\u52e2\uff1a\u4eba\u5de5\u667a\u80fd\u7684\u5ee3\u6cdb\u61c9\u7528<\/h3>\n\n\n\n<p>\u6642\u91d1\u878d\u79d1\u6280\u5e73\u53f0\u7af6\u722d\u6fc0\u70c8\uff0c\u8d8a\u4f86\u8d8a\u591a\u7684\u5546\u696d\u9280\u884c\u5229\u7528\u4eba\u5de5\u667a\u80fd(Artificial Intelligence)\u3001\u6a5f\u5668\u5b78\u7fd2(Machine Learning)\u548c\u5927\u6578\u64da(Big 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tab)\">\u82b1\u65d7\u9280\u884c\u8207\u91d1\u878d\u79d1\u6280\u516c\u53f8HighRadius<\/a>\u5408\u4f5c\uff0c\u5229\u7528AI\u548cML\u5be6\u884c\u73fe\u91d1\u7ba1\u7406\u6d41\u7a0b\u81ea\u52d5\u5316\uff0c\u5c07\u672a\u7d50\u6e05\u7684\u767c\u7968\u8207\u6536\u5230\u7684\u4ed8\u6b3e\u9032\u884c\u5339\u914d\uff0c\u7c21\u5316\u516c\u53f8\u5ba2\u6236\u7684\u61c9\u6536\u548c\u61c9\u4ed8\u5e33\u6b3e\u6d41\u7a0b\uff0c\u4ee5\u63d0\u9ad8\u4f01\u696d\u5ba2\u6236\u7684\u6548\u7387\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3>\u7b2c\u4e09\u500b\u8da8\u52e2\uff1a\u65b0\u7a4e\u7684\u8cb8\u6b3e\u6a21\u5f0f<\/h3>\n\n\n\n<p>\u9280\u884c\u4e00\u822c\u53ea\u5411\u4fe1\u8b7d\u5ea6\u9ad8\u7684\u5c0f\u578b\u4f01\u696d\u63d0\u4f9b\u8cb8\u6b3e\u670d\u52d9\uff0c\u800c\u4ed6\u5011\u53c8\u666e\u904d\u63a1\u7528\u76f8\u540c\u7684\u5de5\u4f5c\u6d41\u7a0b\u548c\u8cc7\u6e90\u8655\u7406\u8cb8\u6b3e\uff0c\u4f7f\u5f97\u5c0f\u578b\u4f01\u696d\u8cb8\u6b3e\u6210\u672c\u9ad8\u6602\u3002\u7136\u800c\uff0c\u96a8\u79d1\u6280\u767c\u5c55\uff0c\u50b3\u7d71\u7684\u4e2d\u5c0f\u4f01\u696d\u8cb8\u6b3e\u6d41\u7a0b\u9010\u6f38\u88ab\u4f01\u696d\u8cb8\u6b3e\u5e73\u53f0\u53d6\u4ee3\u3002\u73fe\u6642\u65b0\u8208\u7684\u4f01\u696d\u8cb8\u6b3e\u5e73\u53f0\u4e00\u6b65\u6b65\u6539\u8b8a\u4e86\u9280\u884c\u5728\u50f9\u683c\u548c\u501f\u6b3e\u4eba\u7684\u50b3\u7d71\u8981\u6c42\u3002\u9019\u5f97\u76ca\u65bc\u73fe\u6642\u958b\u653e\u9280\u884c (Open Banking Initiative)\u7684\u6709\u5229\u6cd5\u898f\uff0c\u4f8b\u5982\u6b50\u76df\u652f\u4ed8\u670d\u52d9\u6307\u4ee4\u4fee\u6b63\u6848(PSD2)\u63a8\u5ee3\u4e86\u6578\u64da\u5171\u4eab\uff0c\u800c\u5176\u4e2d\u91d1\u878d\u79d1\u6280\u5e73\u53f0\u53ef\u4ee5\u5229\u7528\u6b64\u6578\u64da\u9032\u4e00\u6b65\u78ba\u5b9a\u4f01\u696d\u7684\u4fe1\u7528\u5ea6\u3002\u5728\u7f8e\u570b\uff0cLending Club\u57282006\u5e74\u958b\u59cb\u8cb8\u6b3e\u5e73\u53f0\uff0c\u73fe\u4eca\u5df2\u6709\u8d85\u904e200\u500b\u4e0d\u540c\u8cb8\u6b3e\u5e73\u53f0\u3002\u5168\u7f8e\u6700\u5927\u96fb\u5546Amazon\u70ba\u5546\u6236\u63d0\u4f9b\u7531\u7f8e\u51431,000\u81f375\u842c\u7684\u878d\u8cc7\uff0c\u5f9e2011\u5e74\u8d77\u81f3\u4eca\u5df2\u8cb8\u51fa\u7f8e\u514330\u5104\u5354\u52a9\u4e00\u773e\u4e2d\u5c0f\u5fae\u4f01\u3002<\/p>\n\n\n\n<h3>\u9769\u547d\u6210\u529f\u7684\u4f8b\u5b50<\/h3>\n\n\n\n<p>\u4e00\u7897\u6ce1\u9eb5\u7684\u6642\u9593 \uff0c\u5fae\u578b\u4f01\u696d\u5c31\u53ef\u4ee5\u5728\u4e2d\u570b\u7684\u865b\u64ec\u9280\u884cMyBank\u7372\u5f97\u8cb8\u6b3e\u3002\u96fb\u5b50\u5546\u52d9\u5de8\u982d\u963f\u91cc\u5df4\u5df4\uff08Alibaba\uff09\u548c\u4e92\u806f\u7db2\u5de8\u982d\u9a30\u8a0a\u63a7\u80a1\uff08Tencent Holdings\uff09\u65bc2015\u5e746\u6708\u5275\u7acb\u7684<a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2019-07-28\/jack-ma-s-290-billion-loan-machine-is-changing-chinese-banking\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u7db2\u5546\u9280\u884c(MYBank) (opens in a new tab)\">\u7db2\u5546\u9280\u884c(MYBank)<\/a>\uff0c\u6b63\u662f\u91d1\u878d\u79d1\u6280\u9769\u547d\u4e0b\u7684\u7522\u7269\u3002MYBank\u5145\u5206\u5c55\u73fe\u4e0a\u8ff0\u5927\u4e09\u8da8\u52e2\u2014\u2014\u81f4\u529b\u6578\u5b57\u5316\u8f49\u578b\u3001\u5168\u9762\u4eba\u5de5\u667a\u80fd\u3001\u65b0\u7a4e\u8cb8\u6b3e\u6a21\u5f0f\uff0c\u6b63\u5927\u529b\u985b\u8986\u4e2d\u570b\u4f01\u696d\u9280\u884c\u683c\u5c40\u3002MYbank\u5f62\u5bb9\u5176\u501f\u8cb8\u7a0b\u5e8f\u70ba310\u6a21\u5f0f\uff0c\u6307\u7684\u662f\u8cb8\u6b3e\u7533\u8acb\u53ea\u97003\u5206\u9418\uff0c\u4eba\u5de5\u667a\u80fd1\u79d2\u9418\u6279\u51fa\uff0c\u5168\u7a0b0\u4eba\u624b\u8655\u7406\u3002 <\/p>\n\n\n\n<p><a href=\"https:\/\/fintechnews.hk\/9925\/virtual-banking\/virtual-banking-china-ai-big-data-microbusiness\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">FinTechnewsHK<\/a>\u5831\u5c0e\u6307\u51fa\uff0c\u622a\u6b622019\u5e748\u6708\uff0cMYBank\u7684\u5be6\u6642\u652f\u4ed8\u6578\u64da\u548c\u98a8\u96aa\u7ba1\u7406\u7cfb\u7d71\u53ef\u5206\u67903000\u591a\u500b\u8b8a\u91cf\uff0c\u4e26\u5df2\u54111,700\u842c\u5bb6\u5fae\u578b\u4f01\u696d\u548c\u5176\u4ed6\u516c\u53f8\u63d0\u4f9b\u4e86\u8cb8\u6b3e\uff0c\u8cb8\u6b3e\u7e3d\u984d\u7d04\u70ba3\u842c\u5104\u5143\u4eba\u6c11\u5e63\uff08 4250\u5104\u7f8e\u5143\uff09\uff0c\u7576\u4e2d80%\u7684\u516c\u53f8\u5f9e\u672a\u5411\u9280\u884c\u8cb8\u6b3e\uff0c\u53ef\u898bMYBank\u767c\u5c55\u84ec\u52c3\u3002<\/p>\n\n\n\n<p>\u7531\u6b64\u53ef\u898b\uff0c\u4e2d\u5c0f\u4f01\u696d\u7684\u8cb8\u6b3e\u6a21\u5f0f\uff0c\u7d93\u5df2\u9010\u6b65\u5f9e\u9280\u884c\u8d70\u5411\u79d1\u6280\u5c0e\u5411\u3002\u9999\u6e2f\u4f5c\u70ba\u570b\u969b\u4e2d\u5fc3\uff0c34\u842c\u5bb6\u672c\u5730\u4f01\u696d\u53c8\u5982\u4f55\u80fd\u5920\u65e9\u65e5\u53d7\u60e0\u79d1\u6280\u5e36\u4f86\u597d\u8655\uff0c\u589e\u5f37\u4fe1\u8cb8\u80fd\u529b\uff1f\u9019\u5be6\u5728\u6709\u8cf4\u9999\u6e2f\u7684\u76e3\u7ba1\u6a5f\u69cb\u52a0\u5927\u958b\u653e\u3001\u9280\u884c\u696d\u7684\u9ad8\u77bb\u9060\u77da\u3001\u79d1\u6280\u516c\u53f8\u7684\u53c3\u8207\u5171\u540c\u52aa\u529b\uff0c\u7a81\u7834\u56fa\u6709\u6846\u67b6\u3002<a rel=\"noreferrer noopener\" aria-label=\"FinMonster (opens in a new tab)\" href=\"https:\/\/www.finmonster.com\/\" target=\"_blank\">FinMonster<\/a>\u4f5c\u70ba\u9999\u6e2f\u91d1\u878d\u79d1\u6280\u4e00\u54e1\uff0c\u9664\u5df2\u63a8\u51fa\u7684\u4f01\u696d\u8cb8\u6b3e\u6bd4\u8f03\u5e73\u53f0\u5916\uff0c\u4ea6\u6703\u9032\u4e00\u6b65\u63a8\u52d5\u5340\u57df\u4f01\u696d\u878d\u8cc7\u5e73\u53f0\u7684\u5efa\u8a2d\uff0c\u4fc3\u9032\u8cc7\u91d1\u6d41\u5411\u5be6\u9ad4\u4f01\u696d\uff0c\u7c21\u5316\u8cb8\u6b3e\u6d41\u7a0b\uff0c\u6700\u7d42\u4fbf\u5229\u4f01\u696d\u7d93\u71df\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em> FinMonster\u76f8\u4fe1\uff0c\u4f01\u696d\u7684\u5b58\u5728\u610f\u7fa9\uff0c\u6700\u7d42\u662f\u70ba\u6539\u8b8a\u4e16\u754c\ufe51\u4ee4\u4e16\u754c\u8b8a\u5f97\u66f4\u7f8e\u597d\uff0c\u91d1\u878d\u696d\u7684\u672c\u4efd\uff0c\u4fbf\u662f\u5fe0\u5be6\u5730\u70ba\u4f01\u696d\u63d0\u4f9b\u5404\u7a2e\u878d\u8cc7\u670d\u52d9\ufe51\u70ba\u5275\u9020\u793e\u6703\u6548\u76ca\u7684\u4f01\u696d\u63d0\u4f9b\u5805\u5be6\u5f8c\u76fe\uff0c\u800c\u975e\u4ee5\u8ffd\u6c42\u5229\u6f64\u6700\u5927\u5316\u70ba\u5148\u3002\u57fa\u65bc\u9019\u4efd\u4fe1\u5ff5\uff0cFinMonster\u63d0\u4f9b\u5d84\u65b0\ufe51\u5c6c\u4e16\u754c\u524d\u6cbf\u7684\u878d\u8cc7\u5e73\u53f0\uff0c\u4e32\u9023\u4f01\u696d\u8207\u9280\u884c\uff0c\u81f4\u529b\u70ba\u4f01\u696d\u63d0\u4f9b\u66f4\u7f8e\u597d\u7684\u9280\u884c\u9ad4\u9a57\uff0c\u52d9\u6c42\u4ee4\u5404\u7a2e\u793e\u6703\u7406\u60f3\u5f97\u4ee5\u88ab\u5be6\u8e10\ufe51\u6210\u70ba\u773e\u4eba\u751f\u6d3b\u4e00\u90e8\u4efd\u3002FinMonster\u65e2\u5feb\u6377\u5730\u70ba\u65b0\u5275\u4f01\u696d\u8207\u4e2d\u5c0f\u4f01\u641c\u7f85\u878d\u8cc7\u6700\u4f73\u5229\u7387\uff0c\u4ea6\u70ba\u9999\u6e2f\u5404\u9593\u9280\u884c\u914d\u5c0d\u5408\u9069\u5ba2\u6236\u3002\u8a73\u60c5\u53ef\u898b\u6211\u5011<\/em><a 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