Inkomoko: Ibihe byimari by Zhao Meng
Vuba aha, CiIE ya kane yaje kugera ku mwanzuro mwiza, yongeye kwerekana ikarita ishimishije ku isi. Uhereye ku mwaka umwe, CIIE y'uyu mwaka ifite igiteranyo cy’amadolari ya Amerika 70.72.
Mu rwego rwo gukorera abamurika n'abaguzi mu gihugu ndetse no mu mahanga, ibigo by’amabanki bikomeje gutezimbere no kunoza imikorere y’ibicuruzwa by’imari byambukiranya imipaka, no gushyiraho serivisi z’imari ihuza imipaka mu gihugu no mu mahanga. Birashobora kugaragara ko CIIE itabaye gusa urubuga rwo kwerekana ibicuruzwa byo mu gihugu ndetse n’amahanga gusa, ahubwo byanabaye “idirishya ryerekana” mu rwego rwo kurushaho kunoza no guhanga serivisi z’imari zambukiranya imipaka z’ibigo by’amabanki.
Amakuru aturuka mu buyobozi bukuru bwa gasutamo yerekanye ko mu mezi 10 ya mbere y’uyu mwaka, Ubushinwa bwinjira mu mahanga n’ibyoherezwa mu mahanga bwazamutseho 31.9 ku ijana ku mwaka. Birashobora kugaragara ko hamwe n’ukwiyongera kw’iterambere ry’Ubushinwa mu rwego rwo hejuru no kuzamuka kw’ubucuruzi mpuzamahanga, ubucuruzi bw’imari bwambukiranya imipaka bw’inganda z’amabanki bwinjiye mu nzira yihuse y’iterambere. Serivise yimari yambukiranya imipaka ihagarariwe na "one-stop", "kumurongo" na "kugororoka" bigenda byiyongera kandi byoroshye gukoresha.
Ati: “Imari yambukiranya imipaka, igamije gukorera mu rwego rwo hejuru gufungura, nta gushidikanya ko izakira ahantu hagari ndetse n'iterambere.” Mu kiganiro na Financial Times, Zheng Chenyang, umunyeshuri w’iposita mu kigo cy’ubushakashatsi cya Banki y’Ubushinwa, yavuze ko banki z’ubucuruzi zigomba gukomeza kunoza ireme n’imikorere ya serivisi z’imari zambukiranya imipaka kuko ubucuruzi bw’isi bushira ibisabwa byinshi ku mipaka. serivisi z'imari.
Guhanga ibicuruzwa biranga kandi birasobanutse bihagije
Umunyamakuru yamenye ko hari ibicuruzwa bitandukanye byambukiranya imipaka byambukiranya imipaka, ariko byose bitandukanye. Bose bahujwe muri serivisi eshatu zingenzi z "guhana", "guhana" no "gutera inkunga". Muri uyu mwaka wa CIIE, amabanki menshi yo mu Bushinwa yatangije gahunda yihariye ya serivisi y’imari ishingiye ku bikorwa nyabyo bikenerwa n’inganda kandi ikora ibiranga.
Vuga muri make ubunararibonye bwa serivisi zahozeho inshuro eshatu muri imurikagurisha, banki yohereza ibicuruzwa hanze-itumizwa mu mahanga muri uyu mwaka izaba iteganya kuzamura verisiyo ya 4.0, yiswe “Yi Hui global”, ikagaragaza “byoroshye” bine, aribyo “byoroshye, byoroshye kwishimira , byoroshye kurema, byoroshye guhuza ”, kurushaho gushiramo ubujyakuzimu bwibicuruzwa byimari na serivisi byo gutumiza mu mahanga, nkibyingenzi byubucuruzi bwubucuruzi bw’ubucuruzi bw’amahanga“ ingingo, umurongo, isura ”impande zose, sisitemu yo gushyigikira ibice byinshi, Irakwiriye cyane kubikenerwa bitandukanye kandi byihariye byinganda zitandukanye.
Ibikorwa nkibi byimari byagaragaye ko bikenewe cyane nubucuruzi. Nk’uko amakuru abitangaza, ashingiye kuri gahunda yihariye ya serivisi y’imari ya “Jinborong 2020 ″ yasohotse muri CiIE ya gatatu, Banki yoherezwa mu mahanga n’Ubushinwa yashyigikiye ubucuruzi bugera ku 2000 bw’abakiriya barenga 300, hamwe n’ubucuruzi bungana na miliyari 140, birimo ibihugu n'uturere birenga 40 nka Singapore na Maleziya, gutwara miliyari zisaga 570 z'amafaranga yinjira mu mahanga n'ibicuruzwa byoherezwa mu mahanga.
Banki ishinzwe iterambere rya Shanghai Pudong izinjiza imibare, icyatsi kibisi na karuboni nkeya, hamwe nudushya mu buhanga n’ikoranabuhanga muri sisitemu ya serivisi y’imari ya ciIE. Urebye amasoko akenewe ya CiIF, tuzakomeza kuzamura imikorere ya serivise yubucuruzi kumurongo. Tuzafungura inzandiko zinguzanyo zitumizwa mumabanki kumurongo, tutarinze kohereza impapuro zisaba impapuro kumurongo, kandi turashobora kumenya iterambere ryubucuruzi mugihe nyacyo, bitezimbere cyane imikorere.
Banki y'Ubushinwa yibanze cyane ku guhuza byimazeyo imipaka yambukiranya imipaka, uburezi, siporo n’ifeza hamwe na serivisi za ciIE, ihuza umutungo w’imyubakire y’ibidukikije rimwe, kandi ikora icyitegererezo cy’imari “icyerekezo” cyo “kugera ku ngingo imwe na panorama igisubizo ”hamwe na ciIE nkibyingenzi, gushiraho paradizo nshya ya serivisi yimari yibidukikije.
Guhindura imibare yimari yambukiranya imipaka byihuse
Yakomeje agira ati: “Ukoresheje ibikorwa byo kohereza amafaranga ku mipaka ya Banki ya GUANGfa ukoresheje 'idirishya rimwe' ry'ubucuruzi mpuzamahanga, urashobora kubona amakuru ya gasutamo n'amakuru y’ubucuruzi ukanze rimwe, ibyo bikuraho inzira iruhije yo gucuruza no gutuma amafaranga yoherezwa neza. Igikorwa cya mbere twakoze, kuva twatanze kugeza kuri banki kugeza twishyuye bwa nyuma, byatwaye igihe kitarenze igice cy'isaha. ” Ishoramari ry’ubwubatsi (Guangdong) mpuzamahanga ry’ubucuruzi mpuzamahanga, LTD., Yavuze.
Biravugwa ko muri Kanama uyu mwaka, banki y’iterambere rya guangdong n’ubuyobozi bukuru bwa gasutamo (ibiro by’igihugu gishinzwe imicungire y’ibyambu) bashyize umukono ku masezerano yo guteza imbere “idirishya rimwe” ry’imari mpuzamahanga y’ubucuruzi n’ubwishingizi, kubaka ibikorwa bya serivisi mu rwego runini kugeza menya amakuru yo guhanahana amakuru, kwagura serivisi zimari no guhanga udushya twa siyanse n’ikoranabuhanga, gutumiza mu mahanga no kohereza ibicuruzwa mu mahanga kugira ngo bitange serivisi zinoze kandi zinoze, biteza imbere korohereza ibicuruzwa bya gasutamo.
Twabibutsa ko mu rwego rwo gukomeza gukwirakwiza icyorezo mu mahanga, ibigo bireba bikeneye byihutirwa serivisi z’imari zambukiranya imipaka. Bitewe n’irushanwa ry’urungano hamwe n’ibisabwa n’abakiriya, amabanki y’ubucuruzi yihutisha ishyirwa mu bikorwa rya fintech yagezeho kugirango hahindurwe imibare n’iterambere ry’imari yambukiranya imipaka.
“Serivise yo kwambuka imipaka itaziguye” muri CIIE y'uyu mwaka yakuruye isoko. Umunyamakuru arabyumva, banki ni "kurwanya ruswa no gutera inkunga iterabwoba, kunyereza imisoro", hashingiwe ariko ku mabwiriza y'abakiriya kugira ngo bakemure neza imipaka y’ubucuruzi bwinjira mu mahanga ndetse no hanze y’ubucuruzi, konti rusange- imipaka ya konti yo kwishura amafaranga hamwe no guhanahana konti yubucuruzi biroroshye, bitabaye ngombwa ko abakiriya batanga ibindi bikoresho, serivisi zorohereza.
Liu Xingya, umuyobozi wungirije w'icyicaro gikuru cya Shanghai muri Banki y'Abaturage y'Ubushinwa, yavuze ko ibigo by'imari bigomba kunoza gahunda za serivisi ndetse n'ibicuruzwa by'imari bishingiye ku byo abamurika n'abaguzi bakeneye mu gihugu ndetse no mu mahanga, kandi bigatanga imipaka yuzuye kandi yujuje ubuziranenge. serivisi yimari kumpande zose za CIIE.
Gutandukana kugirango uhuze ibyifuzo byamafaranga yambukiranya imipaka
Kugeza ubu, amabanki amwe yo mu Bushinwa akomeje gushimangira umwanya wa mbere muri serivisi z’imari zambuka imipaka. Raporo y’igihembwe cya gatatu cya Banki y’Ubushinwa, ivuga ko ifite imigabane 41.2% y’isoko muri CIPS (Sisitemu yo kwishyura imipaka yambukiranya imipaka), ikomeza umwanya wa mbere ku isoko. Umubare w'amafaranga yambukiranya imipaka yambukiranya imipaka angana na tiriyari 464, yiyongereyeho 31.69% umwaka ushize, bituma umubare wa mbere ku isi.
Urebye ejo hazaza, Zheng Chenyang yizera ko guhindura politiki y’ubukungu, impinduka mu miterere y’ubucuruzi mpuzamahanga, guhindura imiterere y’inganda no kuzamura ndetse n’ibintu byinshi bigena icyerekezo cy’iterambere ry’ubucuruzi bw’imari bwambukiranya imipaka. Nkikigo cyimari cyamabanki, gusa nukomeza gukora imyitozo yimbere imbere birashobora kubona amahirwe mukubaka uburyo bushya bwiterambere.
Ati: “Inzego z’amabanki zigomba kubanza gushimangira serivisi zombi uburyo bushya bwiterambere, zigakoresha neza amasoko abiri n’umutungo ibiri mu gihugu ndetse no hanze yarwo, zigasobanukirwa amahirwe yo kurushaho kurushaho gufungura politiki y’isi yo hanze, ibyiza biri imbere mu gihugu byabanjirijwe n’ubucuruzi bwisanzuye, ubucuruzi bwisanzuye. icyambu, kirakwiye, imurikagurisha n’imyenda ya Canton bizatanga inkunga n’inguzanyo zikomeye ku rubuga rushya, Tuzafata umwanya w’ubufatanye bw’ubukungu n’ubucuruzi mu karere nka Belt and Road Initiative na RCEP kugirango tunonosore imiterere mpuzamahanga ubucuruzi no kurushaho guteza imbere ubucuruzi bwambukiranya imipaka. ” Zheng Chenyang ati.
Byongeye kandi, icyorezo cy’icyorezo cyagaragaje ibyiza by’ubukungu bwa digitale. Ubucuruzi bwisi yose buragenda bwiyongera muburyo bwa digitale nubwenge. Kurugero, imipaka yubucuruzi bwambukiranya imipaka yahindutse imbaraga nshya ziterambere ryubucuruzi. Impuguke zabajijwe zemeje ko intambwe ikurikiraho, urwego rw’amabanki mu kongera ishoramari mu bumenyi n’ikoranabuhanga, gukoresha amakuru manini, guhagarika imiyoboro, nk'ikoranabuhanga ry’imari, byibanda ku bucuruzi bw’ikoranabuhanga, ubucuruzi bwambukiranya imipaka, ubucuruzi bwo kuri interineti n’ibindi bice byingenzi, inzego, urubuga rwimari rwimari rwambukiranya imipaka kumurongo hamwe nibiboneka, gutera inkunga ubucuruzi kumurongo kumurongo udushya, iterambere rya digitale pratt & finanse hamwe nogutanga imari, Gushoboza uburyo bushya bwa serivise yimari yambukiranya imipaka binyuze mumibare.
Zheng Chenyang yashimangiye ko gufungura imari na serivisi z’imari zambukiranya imipaka bigomba gusobanukirwa isano iri hagati yo kuzamurwa muri rusange n’iterambere ry’ingenzi. Mu myaka yashize, agace kanini ka guangdong na hainan kwihuta kwicyambu cy’ubucuruzi byihuta bihinduka “idirishya” ry’Ubushinwa bwugururiwe isi hanze birashobora guhuza inkunga ijyanye na Banki zayo, ubucuruzi n’ishoramari ryorohereza, kumenyekanisha mpuzamahanga kwambukiranya amafaranga- serivisi zimari kumipaka, nko kuzamura ibicuruzwa bishya, abakiriya bakomeye, uburambe bwa serivisi.
Igihe cyo kohereza: Werurwe-23-2022