当前位置: 首页>>学术讲座>>正文

光华讲坛—【海外名家讲堂】The Rise of Fintech: What does the Future of UK banking look like?
发布时间: 2022-04-06

主题:【海外名家讲堂】The Rise of Fintech: What does the Future of UK banking look like?

主讲人:斯特灵大学 Robert Michael Webb教授

主持人:工商管理学院 唐明凤教授

时间: 2022年4月8日(周五)16:00—17:30

举办地点:腾讯会议   ID:476607688

主办单位:工商管理学院 国际交流与合作处 科研处


Robert Michael Webb is a full professor at University of Stirling, associate dean of Global Engagement & Recruitment at Stirling Management School where he teaches Bank Theory, Operations and Risk Measurement & Management in Banking currently. He used to teach Bank Financial Risk: Measurement and Management, Managing Risk in Financial Institutions, Understanding the UK Economy and Macroeconomics, etc.

Professor Webb has already published nearly 30 articles in internationally recognized journals such as Journal of Operational Risk, Journal of Risk Research, and Journal of Business Ethics, and books as well. From 1993-2019, he taught at Middlesex University, Glasgow Caledonian University, and the University of Nottingham.

Robert Michael Webb,英国斯特灵大学管理学院教授,斯特灵管理学院副院长。目前教授银行理论、运营与管理,曾教授银行金融风险、计量与管理、金融机构风险管控、英国经济、宏观经济学等课程。曾在《Journal of Operational Risk》、《Journal of Risk Research》、《Journal of Business Ethics》等国际知名期刊发表文章近30篇并出版图书。1993-2019年,曾在密德萨斯大学、格拉斯哥卡利多尼亚大学、诺丁汉大学任教。


UK and European retail banking is always in shake-up and yet nothing ever changes. There have definitely been tweaks over the years here and there to processes, and the branches have been refurbished as banks tried to convince us that they were the best bank to trust with our money. But largely the same banks have remained in place, give or take a few failures. The banking industry is a perfect example of what William Baumol called an ‘uncontestable market’, which is a market with strong barriers and high entry costs which puts off potential entrants, protects incumbents and allows banks to earn abnormal profits (and easily eat up any competition). This comes about because banks deal with intangible products where problems of asymmetric information abound, reputation and trust are key and lots of capital and a banking license are required. In the UK, the largest 5 banks own about 80% of the deposit markets. However, for the first time in post-war retail banking history the large retail banks are being forced to go to the battle with a bigger, wealthier, more flexible, more recognizable and ubiquitous foe – this is no small challenger bank that they can easily acquire and bring into their fold.

英国和欧洲的零售银行业务一直尝试重组,但却进展不佳。多年来,为了获得顾客信赖,银行在业务流程上或多或少有所改进,但本质上并没有改变。银行业是 William Baumol 所称的“不可竞争市场”的完美例子,该市场具有强大的壁垒和高昂的进入成本,会阻碍潜在的进入者、保护现有企业并允许银行赚取巨额利润。这种现象存在的原因是,银行提供的虚拟产品具有信息不对称特性,这对银行的声誉、顾客信任度提出更高要求,且银行业需要大量资本以及银行营业执照。在英国,最大的5家银行拥有约 80% 的存款市场。然而,在战后零售银行历史上,大型零售银行第一次被迫与更强大、更富有、更灵活且无处不在的敌人展开战斗。