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KyongSun Kong KyongSun Kong Analyst Analyst Banking, Global Financial Services, Insurance, Securities & Investments Banking, Global Financial Services, Insurance, Securities & Investments Full bio and Reports All Analysts
November 29, 2016
Celent has released a new report titled Fintech in South Korea: Discussions from the 6th Finance Tech World 2016. The report was written by KyongSun Kong, an analyst with Celent’s Asian Financial Services practice.Key Research Questions1 How has...

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Hua Zhang Hua Zhang Analyst Analyst Banking, Global Financial Services, Securities & Investments Banking, Global Financial Services, Securities & Investments Full bio and Reports All Analysts
November 28, 2016
利率市场化就是将利率的决定权交给市场,让市场来决定利率水平。目前,中国的金融市场上,除存贷款基准利率还受政府管制之外,其它利率都已由市场生成。而且就算是存贷款利率,商业银行也可以围绕基准利率在一个相当大的区间内自由浮动。 在新报告,利率市场化对于中国银行业的影响,Celent分析了利率市场化对银行收益、业务和风险管理方面的影响。利率市场化将会使得银行面对更大的利率波动,从而增加银行业的利率风险,使得银行对于利率风险的工具需求上升。另外一方面,利率市场化也会加剧银行业的竞争,使得存贷利差空间缩小...

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Hua Zhang Hua Zhang Analyst Analyst Banking, Global Financial Services, Securities & Investments Banking, Global Financial Services, Securities & Investments Full bio and Reports All Analysts
November 23, 2016
Blockchain technology may become the infrastructure that transforms the business model of financial institutions and markets. In the securities industry, the technology will change the issuance of securities, clearing, voting at shareholders’...

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Hua Zhang Hua Zhang Analyst Analyst Banking, Global Financial Services, Securities & Investments Banking, Global Financial Services, Securities & Investments Full bio and Reports All Analysts
October 25, 2016
到2020年,中国的银行业将有60%的IT系统部署在云端。这种云系统并不是把银行的IT系统简单地搬到云上去,而是基于云计算技术来重构银行的商业模式和IT系统。银行的渠道也业务系统都会跟以往完全不同,比如:网上银行会被取代,产品定价、风险控制也会更加依赖数据和更自动化。 在新报告,基于云计算的银行:为金融创新而生的技术架构,Celent分析了基于云的IT系统的架构、对商业模式的影响、渠道系统和核心系统。云计算对于银行来说,最大的变化就是基于数据的核心系统和基于场景化的渠道系统。...

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