“未来银行”什么样子,这是一个互联网金融与传统银行“逐渐趋同,但不合一”的过程。根据技术发展、市场变化、客户需求,不断进化演变、提高效率,就是“未来银行”的业务发展方向。一、银行与互联网巨头喜结连理6月里,中国几大银行几乎同时做了一个决定:与中国互联网巨头们跨界联姻。6月16日,中国工商银行与京东金融集团在北京签署了金融业务合作框架协议;20日,中国农业银行与百度签署战略合作协议,共建“智能银行”和金融科技联合实验室;22日,中国银行宣布已经与腾讯携手成立金融科技联合实验室。加上此前中国 “Future Bank ” What it looks like, this is a process of Internet finance and traditional banking “converging, but not consistent ”. According to technological development, market changes, customer needs, evolving evolutively and increasing efficiency, it is the business development direction of “Future Bank”. First, banks and the Internet giant knot tie In June, several major Chinese banks made a decision at almost the same time: cross-border marriage with the Chinese Internet giants. On June 16, Industrial and Commercial Bank of China and Jingdong Financial Group signed a framework agreement on financial business cooperation in Beijing. On the 20th, Agricultural Bank of China signed a strategic cooperation agreement with Baidu to build a joint laboratory of “Smart Bank” and Financial Science and Technology. On the 22nd, Bank of China announced that it has formed a joint financial and technology laboratory with Tencent. Coupled with previous China