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艾媒报告|2019年3月科技金融行业洞察月度报告
本报告涉及企业/品牌包括:中国工商银行、中国建设银行、中国银行、中国农业银行、中国交通银行、中国招商银行、中国兴业银行、上海浦东发展银行、天猫、京东、苏宁、亚马逊、唯品会、当当、小红书、聚美优品、拼多多、淘宝、支付宝、PayPal中国、易宝支付、付费通、翼支付、财付通、快钱、连连支付、腾讯、拉卡拉、银联在线、乐刷、BLUE Mobile、Airwallex、易思汇、利楚扫呗、PingPong、Worldpay、八达通、万事达、富达国家信息服务公司、蚂蚁金服、愉悦资本、DST Global、Horizons Ventures、腾讯、高瓴、红杉中国、Square Peg Capital、戈壁、信中利资本、高文投资、富友集团、华睿投资、CBC宽带资本、赛伯乐投资、鸥翎投资、普罗资本、易正天道、丽水琛石
2019年3月中国科技金融行业包括政府、银监会、银行业协会等多个监管主体在内的动向,共有6条政策信息与科技金融相关,银行理财产品发行量环比增长18.79%。具体而言,银行方面,银行理财产品收益率跌至4.3%;各大行公布的2018业绩报告显示其净利润都有所增长,其中,招商银行净利润增长率最高,达14.8%。电子商务方面,淘宝的月活跃用户数达36843.9万,远高于其它购物平台,拼多多和京东相继发布2018年财务报告。电子支付方面,跨境支付服务商Airwallex获得一亿美元投资,易思汇获信中利资本一亿人民币投资。
In March 2019, the trend of China's technological finance industry, including the trend of China government, CBRC, China Banking Association and other institutions, included 6 policy information, and the issuance of bank wealth management products increased by 18.79% month-on-month. In turns of banking, investment product yield fell to 4.3%。Major Banks reported higher net profit for 2018, with China Merchants Bank posting the highest growth rate at 14.8%. In terms of e-commerce, the monthly active users of Taobao reached 368.439 million, far higher than other shopping platforms and Pinduoduo and JD released their 2018 financial reports. In terms of electronic payment, in March 2019, Airwallex, a cross-border payment service provider, received an investment of 100 million dollars, and Easy Transfer received an investment of RMB 100 million from ChinaEquity Group. -
艾媒报告 |2018-2019中国电子签名行业专题研究报告
本报告研究涉及企业/品牌/案例:上上签,众签,契约锁,法大大,文签,e签宝,领签,1签通,中国银联,中国建设银行,肯德基,链家,贝壳,美团,菜鸟,OPPO,大搜车,中智,甲骨文,蚂蚁区块链,微软
2019年,随着电子签名行业政策法规和相关行业标准的不断完善,iiMedia Research(艾媒咨询)数据显示,51.1%的企业用户在电子签约年均投入超过五万,系统稳定性、平台的合规性与安全性是企业用户在选择电子签名平台时所考虑的重要因素。2018年,上上签继续领跑行业,在B2B供应链、人力资源市场以及房屋租赁市场均表现出色,占据了35.8%的市场份额。艾媒咨询分析师认为,电子签名作为打通企业数字化转型的重要一环,在数字化转型战略持续推动下,将逐渐成为企业发展的“刚需”。
In 2019, with the continuous improvement of policies and regulations of electronic signature industry and related industry standards, according to iiMedia Research, 51.1% of enterprise users spend more than 50,000 yuan annually on electronic signature. System stability, platform compliance and security are important factors for enterprise users to consider when choosing electronic signature platform.In 2018, Shangshangqian continued to take the lead in the industry, with a 35.8% market share in the B2B supply chain, human resources market and housing rental market.Ai Media Consulting Analysts believe that as an important part of digitalization transformation, electronic signature will gradually become the rigid demand of enterprise development under the continuous promotion of digitalization transformation strategy. -
艾媒报告 |2019全球与中国养老金融行业现状及发展前景分析报告
本报告研究涉及企业/品牌/案例:新华保险,中国人寿,太平洋人寿,平安养老,新华人寿,太平养老,太平人寿,泰康养老,泰康人寿,阳光人寿,中信保诚,中意人寿,应答人寿,同仁堂,汤臣倍健,九州通,云南白药,国寿养老,华夏资金,工银瑞信,南方基金,渣打银行,宏利保险,建设银行,兴业银行,广发银行,天弘基金,光大银行,中信银行,招商银行,安邦保险
2018年,中国60岁以上老年人占总人口的16.1%,意味着中国已经进入深度老龄化社会,特别是养老金融成为了解决中国深度老龄化社会面临的关键问题。目前,中国养老金融体系与发达国家相比仍有较大差距,美国的商业养老保险占比35.2%,规模达到9.9万亿美元,而中国第一大支柱为基本养老保险制度,占到整个养老体系近80%,规模仅4.4万亿元。同时,由于中国的第一支柱基本养老保险替代率和第二支柱年金覆盖率低,超过8成中国国民未达资产储备预期,仅依靠第一和第二支柱无法满足当前的养老保障形势;而第三支柱在快速识别和及时响应消费者个性需求方面独具优势,基础需求旺盛。iiMedia Research(艾媒咨询)数据显示,现阶段中国公民养老投资偏好最大的依然是银行存款或银行理财占30.2%,然后是商业养老保险产品(20.5%)、股票基金(13.2%)以及购买房产(10.0%)。艾媒咨询分析师认为,近年来互联网和移动支付的普及,大大提高了中老年人获取金融服务的便利性;基于大数据和人工智能分析的金融科技的持续进步,提升了养老金投资科学性和专业性,成为推动养老服务金融快速发展的重要动力;特别是随着服务型政府的建设推进、PPP融资模式的进一步发展,中国养老金融市场发展将更加完善。
In 2018, China's elderly (60 years & above) accounted for 16.1% of the total population, which means that China has entered an aging society. Pension finance has become a key factor in solving China's deep aging society. At present, China's pension financial system still has a big gap compared with developed countries. The commercial pension insurance in US accounts for 35.2% of the total, and its scale reaches 9.9 trillion dollars. However, the first pillar of pension finance in China is the basic pension insurance system, which accounts for nearly 80% of the entire pension system, with a scale of only 4.4 trillion yuan. At the same time, due to the low replacement rate of China’s first pillar of pension finance and the low coverage rate of the second pillar, more than 80% of Chinese nationals fail to meet their demand; The third pillar of pension finance in China has unique advantages in quickly identifying and responding to consumers' needs in a timely manner, and its basic needs are strong. According to data from iiMedia Research, the biggest preference for Chinese citizens is bank deposits and bank wealth management, which account for 30.2%, followed by commercial pension insurance products (20.5%), equity funds (13.2%), and purchase of real estate. (10.0%). iiMedia Consulting analysts believe that the popularity of Internet and mobile payment in recent years has greatly improved the convenience of accessing financial services for middle-aged and elderly people; the continuous improvement of financial technology based on big data and artificial intelligence analysis improves the science of pension investment. Financial technology becomes an important driving force for the rapid development of pension service finance in China. With the development of service-oriented government and PPP financing model, China's pension market will be further improved. -
艾媒报告 |2019全球ETC行业现状与中国产业链商业布局研究报告
本报告研究涉及企业/品牌/案例:金溢科技,距离科技,万集科技,博通集成,E-ZPass, I-Pass, Fastrak, E-Pass, SunPass,工商银行,建设银行,农业银行,中国银行,交通银行,邮政储蓄,银联云闪付,支付宝,微信,中远海科,达华智能,星帅尔,数字政通,华铭智能,华信新材,楚天高速,环球网,新财富,时代周报
随着中国汽车保有量逐渐增多,高速、城市道路拥堵以及尾气污染等问题愈发明显,政府部门推进ETC产业落地。葡萄牙、日本等发达国家ETC系统起步较早,目前处于平稳期,而中国ETC产业则相对处于快速发展阶段。2019年中国汽车保有量有望突破2.46亿,政府以2019年年底车辆ETC装载量达90%为目标。艾媒咨询分析师认为,2019年至2020年会是ETC产业的集中爆发期,届时将带动相关企业及上下游产业链发展;ETC背后潜在的优质用户以及ETC作为车联网新入口的可能,令银行、第三方支付平台等积极争夺这一用户市场;但值得注意的是,目前潜在用户仍对ETC的信息安全、便捷性等问题存在疑虑,因此需要提高这一群体的产品接受度;同时也要避免各大金融机构短期内可能诱发的不当竞争。
As car ownership has increasingly grown in China, problems, such as high-speed and urban road congestion and exhaust pollution, have become more and more apparent, and the government departments have promoted the development of ETC industry. The ETC system in developed countries, such as Portugal and Japan, started earlier and is currently in a stable period, while the Chinese ETC industry is relatively in a rapid development stage. In 2019, Chinese car ownership is expected to exceed 246 million, and the government aims to achieve 90% vehicle ETC loading by the end of 2019. iiMedia Consulting analysts believe that 2019 to 2020 will be a period for the concentrated outbreak of ETC industry in China, which will drive the development of related companies and the upstream and downstream businesses of industry chains. Due to the potential quality users behind ETC industry and ETC’s being a new entry point for the Internet of Vehicles, banks and third-party payment platforms are actively competing for this user market. However, it is worth noting that potential users still have doubts about ETC's information security and convenience, so it is necessary to improve their product acceptance. Besides, it is necessary to avoid improper competition that may be induced by the major financial institutions in the short term. -
艾媒报告 |2018-2019年中国银行数字化转型深度分析与决策报告
金融科技的发展推动中国传统银行数字化转型。传统银行积极创新理财产品,在电子商务、跨境电商和移动支付方面布局,打造场景金融。艾媒北极星(bjx.iimedia.cn)监测数据显示,2018年10月中国工商银行和中国建设银行移动端用户规模均超5000万人,其中,中国工商银行个人手机应用移动端全网渗透率全网渗透率最高。此外,中国工商银行和中国建设银行在高收入用户规模上更具优势,利于后期发展。
The development of financial technology has promoted the digital transformation of traditional Chinese banks. Faced with some fierce challenges, traditional banks have made five major changes, including the digital ecological platforms, convenient service, Internet finance marketing activities, bank card business and private banking business. Using financial technology, traditional banks are deploying e-commerce, cross-border e-commerce and mobile payment, which creating a finance scene. According to the data of bjx.iimedia.cn, the mobile terminal users of Industrial and Commercial Bank of China and China Construction Bank exceeded 50 million in October 2018. Among them, ICBC's mobile phone application has the highest penetration rate. In addition, ICBC and China Construction Bank have advantages in the scale of high-income users, which is conducive to later development. In the future, traditional banks will further enhance their digital capabilities and apply artificial intelligence and other technologies in scenarios such as risk control, censorship and financial security.
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