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物联网是下一代信息技术重要组成部分,2009年8月物联网被正式列为国家五大战略性新兴产业之一。在十二五规划中,“推进物联网研发应用”成为我国发展现代产业体系和推动经济发展转型的一项重要工作。国家和相关企业正积极促进行业标准和商业模式逐步成熟,大力扶持和推进核心技术的发展,物联网产业迎来了高成长机会,是银行业必须参与的“物联网金融盛宴”。本文探讨物联网新技术、新手段和新思路如何应用到银行产品创新和服务,以增强银行竞争发展能力和可持续盈利能力,抢占未来物联网金融的制高点,确立市场引领地位。
Internet of Things is an important part of the next generation of information technology. In August 2009, Internet of Things was officially listed as one of the country’s five strategic emerging industries. In the 12th Five-Year Plan, “promoting the development and application of Internet of Things” has become an important task for China in developing its modern industrial system and promoting economic restructuring. The state and related enterprises are actively promoting the gradual maturity of the industry standards and business models, vigorously supporting and promoting the development of core technologies, and the Internet of Things industry ushers in high-growth opportunities and is the “Internet of Things Financial Feast” that the banking industry must participate in. This article explores how new technologies, new methods and new ideas of IoT are applied to the banking product innovation and services to enhance the bank’s competitiveness and sustainable profitability, seize the commanding height of future IoT finance, and establish the leading position in the market.