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When large financial firms do develop systems in-house, they jealously guard them from competitors. Mr Ma has turned that notion on its head by transforming Ping An's technology division into a sales unit and profit centre. When the company developed its own cloud-computing tech for hosting its banking and insurance systems, it eventually turned the technology into products that now serve 630 banks and 100 insurers across China—a "software-as-a-service" model for banking that is often compared to what Amazon Web Services has done for website hosting.
當大型金融公司在內部開發系統時，他們會小心翼翼地保護這些系統不被競爭對手發現。通過將平安的技術部門轉變為銷售部門和利潤中心，馬云已經徹底轉變了這一觀念。當時該公司開發了自己的云計算技術用于托管其銀行和保險系統，它最終將這項技術轉化為產品，目前為中國630家銀行和100家保險公司提供服務——一種銀行業務的“軟件即服務”模式，這種模式經常被比作亞馬遜網絡服務為網站托管所做的工作。
Ping An's lending algorithms facilitated 47.4bn yuan in loans at rival banks in the first half of the year. That unit, renamed OneConnect, went public last year. Another, called Smart City, builds and operates internal systems for hospitals. Local governments in 118 cities buy Ping An's administrative technology. Its technology business, which includes the sale of cloud-computing services, generated just 4.5% of group net profits in the first nine months of 2020. But making the transition from financial institution to fintech means turning tech into a profit centre, says Leonard Li at Oliver Wyman, a consultancy. That tech turns a profit at all, rather than adding to its cost base, makes Ping An unusual.
今年上半年，平安的貸款算法為其競爭對手提供了474億元人民幣的貸款。該公司更名為“金融壹賬通”，于去年上市。另一個項目被稱為“智慧城市”，為醫院建設和運營內部系統。有118個城市的地方政府購買了平安的行政技術。它的技術業務，包括云計算服務的銷售，在2020年前九個月只創造了集團凈利潤的4.5%。但咨詢公司“奧緯咨詢”的萊昂納德·李表示，從金融機構向金融科技轉型意味著要把科技變成一個利潤中心。這種技術根本就能盈利，而不是增加成本基礎，這讓平安顯得不同尋常。
Could elements of the model be adopted elsewhere? Many of the individual technologies developed by Ping An will soon be applied by western insurers; some are already talking about how to become "the Ping An of Europe". But wholesale fintech adoption will be harder in countries with stricter regulation on big data (and will probably become more difficult in China, too). Customers in America and Europe may also be more reluctant than those in China to buy insurance, health-care and wealth-management from one company.
這種模式的元素可以在其他地方采用嗎？平安開發的許多單項技術不久將被西方保險公司應用，一些人已經在討論平安如何成為“歐洲的平安”。但在大數據監管更嚴格的國家，大規模采用金融科技將會更加困難(在中國可能也會變得更加困難)。美國和歐洲的客戶也可能比中國的客戶更不愿意從一家公司購買保險、醫療保健和財富管理服務。
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