沈联涛:银行能否成为科技平台?

财经五月花
16 Nov 2024

摘 要今日银行能否转型为科技平台,取决于银行与监管机构之间的合作心态。与此同时,科技巨头将继续抢走市场份额文|沈联涛在全球利率下降、利差缩小的时代,银行如何应对大规模的科技颠覆?银行业曾是最赚钱的行业,因为利差(贷款利率减去存款成本)很高。在20世纪60年代,银行家被视为值得信赖的财产保管人。当时有个“3-3-3”法则,指的是3%的利差、与客户共进3小时的午餐,以及3点钟去高尔夫球场。美国银行的...

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