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2013年,中国17家上市银行利润增速为12.8%;2014年,其降至个位数,只有7.7%;而2015年,仅为1.9%;2016年,基本位于1%左右。坐拥13亿客户、50%左右国民储蓄率和专有牌照等优势的中国银行业,日渐发现原来的生存逻辑在现今日新月异的市场上,正遭遇挑战。金融科技企业凭借极佳的客户体验和更低的运营成本,迅速抢占银行市场份额。根据麦肯锡的统计,预测2025年时,颠覆创新型金融科技企业,可能会降低银行在消费金融领域、
In 2013, the profits of 17 listed banks in China grew at a rate of 12.8%. In 2014, they dropped to the single-digit level of 7.7%. In 2015, they were only 1.9%. In 2016, they were basically at around 1%. Chinese banks, with 1.3 billion customers and about 50% national saving rate and proprietary license, have come to realize that the original logic of survival is facing a challenge in today’s rapidly changing market. Financial technology companies quickly gain access to the bank’s market with excellent customer experience and lower operating costs. According to McKinsey’s statistics, it is predicted that by 2025, disrupting innovative financial technology companies may reduce the bank’s position in consumer finance,