腾讯科技讯（孙宏超）4月12日消息，腾讯在重庆举办的中国“互联网+”数字经济峰会金融分论坛上发布国内首部《智慧金融白皮书》。白皮书中披露智慧金融指数排名第一的是北京市，以北京、深圳、上海、广州构成智慧金融一线城市，在总指数中占比高达20.20%。
On April 12, Sun Hongwei reported that the first White Paper on Smart Finance was published at the China Digital Economic Summit Financial Sub-Forum, held in Chongqing. The White Paper revealed that the smart finance index ranked first in Beijing, with the cities of Beijing, Shenzhen, Shanghai, and Guangzhou forming the front line of smart finance, accounting for up to 20.20% of the total.
腾讯支付基础平台与金融应用线各业务负责人和重量级嘉宾围绕智慧金融与城市、产业的深入融合，对区块链、乘车码、金融云和大金融安全四大热门主题进行了分享。
The basic platform for telecommunication payments and the heads of operations and heavy-weight guests of the financial application line share four topical themes of block chains, car codes, financial clouds and large financial security around the deep integration of smart finance with cities and industries.
首发《智慧金融白皮书》 聚焦新经济增长点
腾讯在《智慧金融白皮书》中首度公布了智慧金融指数，直观的展现出中国智慧金融地域的发展情况，帮助地方政府摸清中国智慧金融发展程度，为各省市下一步发展规划布局提供建议。
For the first time, the Wisdom Finance Index was published in the White Paper on Wisdom Finance. It visualizes the development of China's intelligent financial territory, helps local governments to figure out the extent of China's intelligent financial development and provides advice on the layout of the next development plan for the provinces and cities.
根据回归模型的测算，白皮书对全国351个城市的金融发展水平进行研究，结合GDP发展及新旧动能转换角度分析，成功划分出5个层次的金融指数，并描绘出了中国智慧金融的首个版图。北京、深圳、上海、广州构成智慧金融一线城市，四个一线城市在总指数中占比为20.20%；成都、东莞等16市构成智慧金融二线城市，在总指数中占比23.37%；温州等18市构成智慧金融三线城市，在总指数中占比15.04%；南昌等68市构成智慧金融四线城市，在总指数中占比22.22%；全国其他245个城市构成智慧金融五线城市，在总指数中占比19.16%。
According to the regression model, the white paper examined the financial development levels of 351 cities across the country, analysing the development of GDP and the transformation of old and new dynamics, and successfully identified five levels of financial indicators and drew the first picture of China’s smart finance. Beijing, Shenzhen, Shanghai, Guangzhou form the front line of smart finance, with four first line cities accounting for 20.20% of the total index; the 16 cities of Chengdu and Dongjung constitute the second line of smart finance, accounting for 23.37% of the total index; the 18 cities of Wenzhou constitute the third line of wisdom finance, accounting for 15.04% of the total index; the 68 cities of Nan Chang constitute the fourth line of wisdom finance, accounting for 22.22% of the total index; and the other 245 cities of the country constitute the second line of wisdom finance, accounting for 19.16% of the total.
华东地区，在智慧金融发展水平总指数中以33.64%的占比遥遥领先。而相对这些沿海地区，华中、西南、东北、西北这些内陆地区市场空间巨大，因此，发展智慧金融能在较大程度上拉动地区经济快速发展，并创造新的经济增长点，未来前景将十分广阔。通过对智慧金融发展进行一至五线的城市排序，可以摸清区域智慧金融的发展程度，聚力弱势区域和企业，尽早打造金融新生态，激发新的增长点，推动新经济快速发展。
China’s region, with 33.64% of the total index of intellectual financial development, is far ahead. In contrast to these coastal areas, China’s inland markets, China’s central, south-west, north-east, and north-west, the development of smart finance can, to a large extent, boost the region’s rapid economic growth and create new economic growth points, the prospects for the future are wide.
腾讯区块链技术多场景落地，配合中央政策供应链金融一马当先
本次金融分论坛上，腾讯区块链业务总经理蔡弋戈与中国信息通信研究院云大所区块链主管卿苏德博士共同亮相，指出当前腾讯区块链已经落地供应链金融、数字资产、物流等场景。 At this financial sub-forum, Chai Jingo, General Manager of Tseng sector chain operations, and Dr. Sood, Chief of the Yun Datang sector chain of the China Institute of Information and Communications (CICI), shared the view that the Tseng block chain is now in the financial, digital assets, logistics, etc. 而随着“互联网+”的发展，我国供应链金融市场规模逐年增长，到2020年，预计有望达到14.98万亿美元。2017年，中央颁布的84号文件中，积极稳妥发展供应链金融被列为六项重点任务之一，鼓励商业银行、供应链核心企业等建立供应链金融服务平台，为供应链上下游中小微企业提供高效便捷的融资渠道。 With the development of the Internet+, the size of our supply chain financial markets has grown year by year and is expected to reach $14.98 trillion by 2020. In 2017, Centrally issued document 84, the active and secure development of supply chain finance was identified as one of the six priorities, encouraging commercial banks, core supply chain enterprises, etc. to establish supply chain financial services platforms that provide efficient and easy access to financing for small and medium-sized enterprises up and down the supply chain. 论坛上，腾讯区块链正式对外公布“腾讯区块链+供应链金融解决方案”。按照腾讯区块链业务总经理蔡弋戈的介绍，通过腾讯区块链技术及运营资源，连接核心企业资产端及金融机构资金端，可以帮助提升资金配置效率、提升流动性支持小微企业供应链，进而降低社会融资成本，支持实体经济。与此同时，以源自核心企业的应收账款为底层资产，通过腾讯区块链实现债权凭证的流转，又可以保证相关信息不可篡改、不可重复融资，可被追溯。腾讯区块链希望，从根本上改变小微企业的融资困境，赋能地方中小微企业，助力地方产业转型升级。 At the forum, the tether block chain officially announces the “steam block chain plus supply chain financial solutions.” According to Chai Jinggo, the chief manager of the tether block chain operations, the link between the core enterprise asset end and the financial end of the financial institution can help to improve the efficiency of the allocation of funds, enhance liquidity to support the MSMEs supply chain, thereby reducing the cost of social financing and supporting the real economy. At the same time, the flow of claims through the tether block chain can be traced. 腾讯乘车码打通智慧交通的“最后一公里”，微信车票有趣又环保 腾讯乘车码是基于微信小程序开发的用于乘坐公共交通工具的二维码，可实现极速验证、“先乘车，后付费”的支付体验。目前腾讯乘车码已在全国50多个城市落地，覆盖BRT、公交、地铁、索道等多个场景。在本次论坛的举办地重庆，已经可以使用腾讯乘车码乘坐长江索道，并实现0.2秒入闸，高效通行。 The TT code is based on the two-dimensional code developed by the micro-credit program for use in public transport, which allows for an extremely fast validation, “car first, and a fee later” payment. The TT code has now landed in more than 50 cities across the country, covering a number of sites, such as BRT, bus, subway, and so forth. 腾讯乘车码推出的最新玩法“微信车票”也已在广州和郑州落地。这是一个将线下传统车票进行电子化、社交化的玩法。用户可向群好友及单个好友赠送车票，好友领取之后可在腾讯乘车码小程序中打开，并直接刷码使用。 This is a way of digitizing and socializing offline traditional tickets. Users can give tickets to friends and individual friends, and when they receive them, they can open them in a small car code program and use them directly. 将移动支付技术与公交出行场景、行业生态融合发展连接，深耕智慧交通，落实绿色出行理念，旨在打通智慧交通的“最后一公里”。未来，腾讯将持续推行新的支付体验，通过“互联网+”交通，助力实现智慧城市。 Linking mobile payment technology to public handing over of the landscape, industry eco-integrated development, deep-farming intelligent traffic, and implementing the concept of green travel with a view to bridging the “last kilometre” of intelligent traffic. In the future, the evangelization will continue with a new payment experience, helping to achieve intelligent cities through “Internet+” traffic. 腾讯金融云智造“金融新生态” 随着云计算、AI、大数据、区块链等第四次工业革命黑科技赋能各产业，重塑竞争格局，以银行、保险为代表的传统金融业，有迫切的数字化转型压力。腾讯云副总裁、腾讯金融云业务负责人朱立强以“云上智造金融新生态”为主题，深度解析了腾讯金融云为载体的科技如何赋能传统金融行业，改变用户的金融生活。 With cloud computing, AI, big data, block chains, etc., the fourth industrial revolution, black technology, empowering industries, reshaping competition, and the traditional financial sector, which is represented by banking and insurance, there is an urgent pressure for digital transformation. The Vice-President of Tsingyun, and the Head of Financial Cloud Operations, Chu Liqiang, using the theme “New Financial Ecology in the Clouds” as a theme, provides insight into how the technology of the Tsingy Financial Clouds as a vehicle can empower the traditional financial sector and change the financial life of users. 朱立强介绍，在与中国银行、招商银行、中信银行和杭州银行等多家标杆性银行合作的过程中，腾讯探索出了金融科技业务创新合作模式与个性化的金融科技解决方案，像“超级账户体系”的嵌入与输出，为银行拓展新的服务生态，进而推动数字化银行转型；通过区块链技术，帮助银行实现快速、安全的“人民币跨境清算”服务；结合无感支付，将开拓更多“互联网+”智慧出行新方式，并以此为基础衍生更多金融场景。 Zhu Liqiang explained that, in the course of its cooperation with various landmark banks, such as Chinese banks, merchant banks, Chinese banks and Hangzhou banks, it had explored innovative modes of cooperation in financial science and technology and individualized financial science and technology solutions, such as the embedding and export of “super-account systems” to expand the banking community's new services ecology, thereby facilitating the transformation of digital banks; helped banks to achieve rapid and secure “people's currency cross-border liquidation” services through block-link technology; and, combined with non-sense payments, would open up new ways of “Internet+” wisdom, which would be used as a basis for generating more financial scenes. 在保险科技方面，腾讯金融云致力降低保险行业综合成本，在产险上结合AI技术，实现差异化定价；寿险上采用智能核保，通过大数据分析，有效提升“高风险客户”和“低风险客户”的识别准确率，支持保险产品差异化定价。 In the area of insurance technology, the financial cloud is aimed at reducing the combined cost of the insurance industry, combining AI technology in production insurance and differential pricing; and the introduction of smart nuclear insurance in life insurance, through large-scale data analysis, effectively raising the identification accuracy of “high-risk customers” and “low-risk customers” and supporting differentiated pricing of insurance products. 针对证券企业，腾讯金融云用科技服务用户的投资管理。腾讯微证券应用智能识别，可以实时录制人脸视频，上传身份证影像，拉取公安部无水印照片；通过优图的识别技术，还可以提取人脸与活体特征，进行三方比对；通过腾讯理财通的智能客服，可以实现智能投资管理与量化分析。 In the case of securities enterprises, the financial cloud is used for the management of investments by users of technological services. 腾讯金融云还将与各地监管部门及金融机构合作，输出金融科技能力，赋能金融机构加强金融监管科技建设。 It will also work with local regulators and financial institutions to export financial science and technology capabilities and empower financial institutions to strengthen financial regulatory science and technology. 智能反洗钱系统 守护金融安全 Smart anti-money laundering system protects financial security 腾讯支付基础平台与金融应用线副总裁洪丹毅分享了“智能反洗钱 助力城市金融风险防范”的主题演讲，通过深入解读腾讯智能风控如何通过分析异常并实现反洗钱，从而守护海量用户资金安全。 The RTB shared a keynote address on “Smart anti-money laundering financial risk prevention in cities” with the Vice-President of the Financial Applied Line, Hong Thanh-yi, to safeguard the financial security of large-volume users by in-depth reading of how RTSM can analyse anomalies and achieve anti-money laundering. 洪丹毅介绍，这套智能反洗钱系统是在满足合规的前提下，结合移动支付业务的特点，利用大数据和AI来实现。新系统将应用于非法集资、诈骗、汇兑、赌博等场景，基于自身的智慧科技水平，可以通过优秀的线索发现能力，建立出完善的识别系统架构，从而做到态势感知，帮助监管打早打小。在实际应用中，腾讯智能反洗钱系统可以通过人脸识别、账号关联等手段进行相关信息确认；同时可通过大数据推算的方式，帮助分析结果更高效精准。 In practical applications, smart money-laundering systems can be identified by means of face-to-face identification, account linkage, etc.
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