在全球经济下行压力加大的背景下，金融行业正面临着前所未有的降本增效挑战。如何量化数字化投入与产出，成为了众多金融机构关注的焦点。在近日的InfoQ《超级连麦. 数智大脑》xFCon直播中，多位行业专家分享了他们的见解与实践。
中泰证券数据应用部门经理张前园表示，公司自2019年起启动数字化转型，曾一度忽视投入产出比，但随着经济环境的变化，公司开始对项目的审核流程进行严格把关。张前园介绍，公司建立了三级评审机制，确保每个数字化项目的实施都有明确的业务目标和预期收益。
瑞士再保险高级解决方案架构师刘晨则指出，数字化转型不仅是技术上的变革，更是企业文化与管理方式的转变。他认为，数字化转型的核心在于降本增效，而所有的数字化实践都应当围绕这一目标展开。
滴灌通数字科技事业部首席架构师罗意则分享了他们在数字化转型中的经验。他表示，数字化不是孤立进行的，而是要与业务深度融合，通过自动化和云平台等技术手段，实现成本降低和效率提升。
方正证券BI分析师李伟认为，金融行业的数字化转型正逐步从“盲目”向“理性”转变，从“加法”向“减法”转变。他表示，随着技术的进步和成本的降低，金融行业正逐步实现低成本高杠杆的数字化实践。
FCon全球金融科技大会将于8月16-17日在上海举办，届时，上述专家将在“低成本高杠杆的数字化实践”专题论坛中，与参会者深入交流数字化转型中的降本增效策略。大会还将聚焦数字化运营、数字化营销、数字化风控等场景，邀请来自银行、证券、保险的专家分享最佳实践。
随着数字化转型的不断深入，金融行业正逐步找到适合自己的降本增效之路，为行业的可持续发展注入新的活力。
英语如下：
News Title: “Digitalization of the Financial Industry: How to Quantify Inputs and Outputs”
Keywords: Cost Reduction, Efficiency Enhancement, Digitalization
News Content:
In the face of increasing global economic downward pressure, the financial sector is facing unprecedented challenges in cost reduction and efficiency enhancement. How to quantify the inputs and outputs of digitalization has become a focal point of concern for many financial institutions. In a recent live broadcast of InfoQ’s “Super Link-Up. Super Brain xFCon,” several industry experts shared their insights and practices.
Zhang Qiuyuan, the manager of the Data Application Department at Zhongtai Securities, stated that the company initiated its digital transformation in 2019, initially overlooking the ratio of investment to output. However, with changes in the economic environment, the company began to strictly review project audit processes. Zhang introduced that the company has established a three-tier review mechanism to ensure that the implementation of each digital project has clear business objectives and expected benefits.
Liu Chen, a senior solutions architect at Swiss Re, pointed out that digital transformation is not only a technological change but also a shift in corporate culture and management methods. He believes that the core of digital transformation lies in cost reduction and efficiency enhancement, and all digital practices should be centered around this goal.
Luo Yi, the chief architect of the Digital Technology Business Unit at DripFeed, shared his experiences in the digital transformation. He stated that digitalization should not be carried out in isolation but should be deeply integrated with business operations. Through the use of automation and cloud platform technologies, it is possible to achieve cost reduction and efficiency enhancement.
Li Wei, a BI analyst at Fangzheng Securities, believes that the digital transformation of the financial industry is gradually shifting from “blind” to “rational” and from “addition” to “subtraction.” He noted that with technological advancements and reduced costs, the financial industry is gradually realizing low-cost, high-leveraged digital practices.
The FCon Global Fintech Conference will be held in Shanghai from August 16-17, where the above experts will delve into the “Low-Cost, High-Leverage Digital Practices” panel discussion, sharing strategies for cost reduction and efficiency enhancement in digital transformation. The conference will also focus on digital operations, digital marketing, and digital risk control scenarios, inviting experts from banks, securities, and insurance companies to share best practices.
As digital transformation continues to deepen, the financial sector is gradually finding its own path to cost reduction and efficiency enhancement, injecting new vitality into the sustainable development of the industry.
【来源】https://mp.weixin.qq.com/s/MIFkm4RW2BxAIjVlIoja-g
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