{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"fa2211c7-60b5-424b-a841-a97c7196aed1","title":"数据资本时代","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508694313","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"fa2211c7-60b5-424b-a841-a97c7196aed1","id":"fa2211c7-60b5-424b-a841-a97c7196aed1","uuid":"fa2211c7-60b5-424b-a841-a97c7196aed1","title":"数据资本时代","normalized_title":"数据资本时代","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508694313","isbns":["9787508694313","9783642038211"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":278,"navigation_url":"https://workshop.closeclaw.top/ai/book/fa2211c7-60b5-424b-a841-a97c7196aed1","title_url":"https://workshop.closeclaw.top/ai/title/%E6%95%B0%E6%8D%AE%E8%B5%84%E6%9C%AC%E6%97%B6%E4%BB%A3","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/fa2211c7-60b5-424b-a841-a97c7196aed1/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/fa2211c7-60b5-424b-a841-a97c7196aed1/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/fa2211c7-60b5-424b-a841-a97c7196aed1","page_url":"https://workshop.closeclaw.top/api/ai/books/fa2211c7-60b5-424b-a841-a97c7196aed1/page","search_url":"https://workshop.closeclaw.top/api/ai/books/fa2211c7-60b5-424b-a841-a97c7196aed1/search"},"page":{"printed_page":144,"pdf_page":164,"physical_index":164,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"3668d221420b9bf48206579b6834520d53e05e0d13df6c3b2f30248c7053a7e8"},"chapter":"第6章","content":"银行的应对策略\n\n货币作用的降低，也给银行和传统金融中介机构提出了一个复杂的挑战。到目前为止，它们采取了两种主要策略来应对挑战：第一种削减成本，主要通过自动化来实现；第二种在海量数据市场中重新定位，将自己变成信息中介。\n\n降低成本要从实体基础设施向数字化基础设施转变开始。随着越来越多的客户在网上和移动设备上购物，银行不再需要全覆盖的分行和网点，也不再需要那么多柜员和出纳降低每笔交易成本的行动随之而来，无论降低的是投资管理成本、贷款成本还是支付成本。正如嘉信理财在20世纪七八十年代所证明的那样，如果交易成本足够低，即使降低收费，公司也仍有钱可赚。\n\n但是，21世纪的银行不是在与嘉信理财这样的公司竞争。相反，它们面对的是新一代初创企业。这些新兴公司可以利用数字技术从数据中获得见解，并以极低的价格提供服务。通过将高频交易技术应用于传统股票市场，位于硅谷的罗宾汉市场为其100多万名客户提供了在美国交易所交易股票的机会，客户无须交纳手续费。这一切成为可能，就是因为今天的电子交易的实际成本非常低。放弃了昂贵的实体基础设施（如店面或大型客服部门)，罗宾汉公司就可以将已经存入但还未投资的资金所产生的利息作为运营成本。银行即使降低了成本，也很难与免费服务竞争。\n\n数据资本时代\n\n144","previous_page":143,"next_page":145}