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银行资管业务部门要加紧研发针对资产端的手机银行APP,并通过建立银行网络社区,利用客户认知盈余来帮助银行开拓业务,运用互联网思维自下而上地解决“资产荒”问题。Pay Pal创始人彼得·蒂尔在《从0到1》一书中描绘了“资产荒”的形成过程:由于实体经济增速放缓,企业家手里资金没有好的投资项目,于是选择将资金交给银行,但是银行也没有合适的项目发放贷款,于是将资金交给专业投资机构,专业投资机构拿到资金没有好的投资方向,于是只能购买股票,上市公司市值提高,可
The banking asset management department should step up research and development of mobile banking APP for assets, and establish a banking network community to use the customer’s perceived surplus to help the bank develop its business and use Internet thinking to solve the “asset ridiculous” problem from the bottom up. Peter Pill, the founder of Pay Pal, described the formation of “asset ridiculous” in “From 0 to 1”: As the real economy slowed down, there was no good investment project in the hands of entrepreneurs, so They chose to hand over the funds to the bank, but the bank did not have a suitable project to issue loans, so the funds were handed over to professional investment institutions. Professional investment institutions did not have good investment directions for obtaining funds, so they could only purchase shares, and the market value of listed companies increased.