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艾媒咨询| 2021年中国银行业数字化转型赋能组织成长趋势研究报告
本报告涉及的案例/品牌/企业:腾讯乐享,平安知鸟,时代光华
党中央、国务院高度重视数字经济发展,作出一系列重大决策部署。数字经济是全球未来的发展方向,要大力发展数字经济,加快推进数字产业化、产业数字化,推动数字经济和实体经济深度融合。iiMedia Research(艾媒咨询)数据显示,2022年上半年个人移动手机银行渗透率预计达75%,2024年上半年中国移动互联网用户规模预计达11.2亿人。此外,以大数据、云计算、人工智能、区块链以及移动互联为引领的新的工业革命与科技革命,将导致金融业的边界、研究范式不断被打破和被重构。以银行业为代表的金融业数字化组织变革中,企业学习数字化转型将是重点工作之一。
The CPC Central Committee and the State Council attached great importance to the development of digital economy and made a series of major decisions and arrangements. Digital economy is the future development direction of the world. We should vigorously develop digital economy, accelerate digital industrialization and industrial digitization, and promote the deep integration of digital economy and real economy. According to iiMedia Research, the penetration rate of personal mobile phone banking is expected to reach 75% in the first half of 2022, and the number of mobile Internet users in China is expected to reach 1.12 billion in the first half of 2024. In addition, the new industrial revolution and technological revolution led by big data, cloud computing, artificial intelligence, blockchain and mobile Internet will lead to the continuous breaking and reconstruction of the boundaries and research paradigms of the financial industry. In the digital organizational transformation of the financial industry represented by the banking industry, enterprise learning digital transformation will be one of the key tasks. -
艾媒报告|2019中国移动支付市场研究报告
本报告研究涉及企业/品牌/案例:支付宝,微信支付,苏宁支付;其他提及企业/品牌:拉卡拉,中国银行,工商银行,中国农行,中国建行,招商银行,交通银行,中国邮政储蓄银行,平安银行,刷脸支付
iiMedia Research(艾媒咨询)数据显示,中国移动支付交易规模在2019年第三季度已经达到252.2万亿元,用户规模在年底预计超过7.3亿人,覆盖更多层级的用户,全国普及程度持续提高。中国移动支付行业正在往标准化和规范化发展,市场竞争加剧。随着人脸技术的成熟,刷脸支付加快普及,iiMedia Research(艾媒咨询)数据显示,预计到2019年刷脸支付用户规模将会达到1.18亿人。未来移动支付行业会更加规范化,市场逐渐下沉,细分化的支付场景和多元盈利模式将会成为移动支付行业新的发展入口。
As the data of iiMedia Research showed, the scale of China's mobile payment transactions has reached 252.2 trillion yuan in the third quarter of 2019, and the number of users is expected to exceed 730 million by the end of the year. The popularity of mobile payment in China is increasing and covering more levels of users. China's mobile payment industry is becoming more standardized, and market competition is intensifying. With the development of face perception technology, the popularity of face payment has increased, according to iiMedia Research by 2019, the number of face brush payment users will reach 118 million. In the future, the mobile payment industry will become more standardized and go towards to the market sinking. Segmented payment scenarios and diversified profit models will become the new development opporunity of the mobile payment industry. -
艾媒报告|2020“新冠疫期”中国金融行业社会责任感专题分析报告
本报告研究涉及企业/品牌/案例:农业银行,工商银行,浦发银行,广发证券,中信证券,中国人寿,中国平安,康泰保险,国华人寿,中国人保,国泰君安证券,中国银行,徽商银行,汇丰银行,太平洋保险,平安人寿,兴业证券,交通银行,恒大人寿,友邦保险,东海证券,新华保险,广发证券
iiMedia Research(艾媒咨询)数据显示,“新冠疫情”爆发,沪深股市开市首日超3600只个股下跌。央行连续投放累计1.7万亿元流动性以提振市场,随后股市表现趋于稳定。中国金融企业在疫情防控期间规范自身服务,开通线上业务,并加大信贷投入以应对疫情。同时,中国金融行业发挥金融服务的优势,在疫情期间积极践行公益,获得了超六成网友支持。艾媒咨询分析师认为,“新冠疫情”对中国经济造成的冲击是短期的,疫情过后市场经济或面临快速回升时期,这对中小金融企业而言,是一个挑战头部企业的机会。2020年新冠疫情为中国金融行业深化线上转型提供契机,疫情结束后各金融机构及企业在线上的布局将逐渐完善,金融业务线上化、科技化和数据化转型有望提速。
As the data of iiMedia Research showed, the novel coronavirus pneumonia broke out and the Shanghai and Shenzhen stock markets fell by more than 3,600 stocks on the first day of trading. The central bank continuously invested a total of 1.7 trillion yuan of liquidity to boost the market, and then the stock market performance stabilized. During the epidemic prevention and control period, Chinese financial enterprises standardized their services, opened online businesses, and increased credit investment to respond to the epidemic. At the same time, China's financial industry has taken advantage of financial services to actively implement public welfare during the epidemic, and has received support from over 60% of netizens. iiMedia consultant believes that, the impact of the novel coronavirus pneumonia on the Chinese economy is short-term. After the epidemic, the market economy may face a period of rapid recovery. This is an opportunity for small and medium-sized financial companies to challenge the top companies. This epidemic provides an opportunity for China's financial industry to deepen its online transformation. After the epidemic is over, the online layout of financial institutions and enterprises will gradually improve. The online, technological and data transformation of financial services is expected to accelerate. -
艾媒报告|2019中国电梯媒体市场发展研究报告
本报告研究涉及企业/品牌/案例:分众传媒,新潮科技,华语传媒,精视传媒,梯邻传媒,亿家传媒,梯影传媒,传不,城市传媒,阿里巴巴,百度,腾讯,中国工商银行,中国农业银行,中国银行,京东,苏宁,华为,P&G,小米,KFC,滴滴,今日头条,BMW,奔驰,宝马,国美,没底,爱奇艺,天猫,可口可乐,pepsi,招商银行
作为工作、生活、休闲、娱乐必经的重要场景,电梯广告开始成为都市人群接触的主要媒介之一。iiMedia Research(艾媒咨询)数据显示,国内已登记的电梯数量突破了600万,并将持续上涨趋势,预计在2019年,电梯广告的市场规模将达到188亿元,日均覆盖人数超过2亿。电梯广告具有高关注度、高覆盖率的优势,iiMedia Research(艾媒咨询)数据显示,近五成用户日常接触电梯广告4~6次,82.5%受访用户表示愿意观看电梯广告,这种高频高触达的电梯广告有助于提高用户的转化率。尽管目前梯媒行业发展动力充足,但未来资源的竞争将加剧,行业逐渐由一二线城市下沉到三四线城市以争夺资源,因此梯媒企业应借助大数据等新兴技术,实现更加精准的广告投放,从而打造自身竞争壁垒。
As an important scene for work, life, leisure and entertainment, elevator advertising has become one of the main media for public. As the data of iiMedia Research showed, the scale of elevators registered in China has exceeded 6 million and will continue to rise. It is estimated that in 2019, the market scale of elevator advertising will reach 18.8 billion yuan, with an average daily coverage of more than 200 million people. As the data of iiMedia Research showed, nearly 50% of users contact elevator ads 4-6 times a day, and 82.5% of users are willing to watch elevator ads. The high-frequency and high touch elevator ads can help improve the conversion rate of users. Although the development momentum of elevator advertising industry is sufficient at present, the competition for resources will intensify in the future. The industry will gradually sink from the first and second tier cities to the third and fourth tier cities to compete for resources. Therefore, elevator advertising enterprises should use emerging technologies such as big data to achieve more accurate advertising, so as to create their own barriers to competition. -
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 |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. -
艾媒报告 |2019Q1中国移动支付市场研究报告
本报告涉及企业/品牌包括:微信支付,支付宝,花呗,蚂蚁财富,芝麻信用,网商网,腾讯理财通,小微企业贷,微粒贷借钱,微众银行,网商银行,RiverPay,PayPal,亚马逊,Facebook,google ,阿联酋清算有限公司
得益于支付宝、微信支付等产品的发展成熟,中国移动支付发展成熟度在全球具有领先优势。移动支付已成为中国网民支付的主要方式。iiMedia Research(艾媒咨询)数据显示,2018年中国移动支付用户规模达到6.59亿人,每月移动支付金额占总支出比例超过75%的用户达到43.6%,“无现金时代”有望实现。目前支付宝、微信支付双寡头主导中国第三方移动支付市场,二者交易规模市场总占比超过九成。其中线下生活场景微信支付占优势,线下小额扫码支付偏好使用微信支付的用户达54.9%;线上电商场景则由支付宝占优势,线上大额扫码支付偏好使用支付宝的用户达到64.9%。发达城市与下沉城市移动支付用户需求存差异,三四线城市用户线上线下都更爱用微信支付,占比分别为58.6%和72.5%;而一二线城市用户线上支付偏好用支付宝的比例则高达72.0%。未来移动支付企业对于市场的争夺将更加聚焦于场景的争夺上,在下沉市场的竞争也是未来的关注重点。
With the maturity of products such as Alipay and WeChat payment, China Mobile payment market development maturity has a leading position in the world. Mobile payment has become the main method of payment by Chinese netizens. As the data of iiMedia Research showed, the number of mobile payment users in China reached 659 million in 2018, and the monthly mobile payment accounted for 43.6% of the total expenditure. The “no cash era” is expected to be realized. At present, Alipay and WeChat payment duopoly dominate China's third-party mobile payment market, and their market transaction size exceeds 90% of total maket. Among them, WeChat payment is dominant in the offline life scene, it is 54.9% of users who prefer to use WeChat payment in the offline small scan code payment; the online e-commerce scene is dominated by Alipay, it is 64.9% of users who prefer to use Alipay in the online large amount of scan code payment. The demand for mobile payment users in developed cities and sinking cities is different. Users in third- and fourth-tier cities prefer to use WeChat payment online and offline, accounting for 58.6% and 72.5% respectively; while online payment preferences for users in first- and second-tier cities use Alipay. The ratio is as high as 72.0%. In the future, the competition for mobile payment companies will focus more on the competition for the scene. The competition in the sinking market is also the focus of the future.
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