Study On Creating Financial Products Based On Scenario In WeBank

When information technology and inclusive finance develop to a certain degree,scene finance naturally emerges,that is,financial needs are integrated into individual daily life scenarios or corporate production and operation scenarios.It is a breakthrough for banks to transform their business models in homogeneous competition.In recent years,joint loans and loan assistance have become hot words in commercial banks.As a typical representative of scene finance,they are regarded as an artifact of retail business growth.A head-end scene financial platform usually has a large number of banks waiting in line for cooperation.Joint loans and loan assistance have also made banks realize the importance of scene finance,and commercial banks have also begun to deploy scene finance.WeBank,as a scene financial leader,has launched the era of joint loans,and has always been committed to serving 80%of long-tailed people and enterprises to practice inclusive finance.WeBank,backed by Tencent,has WeChat and QQ,two national social scenes.Based on this,it has derived payment scenes,wealth management scenes,and loan scenes.At the same time,it constantly seeks partners to explore new scene requirements and develop scene-based scenarios.Financial products.It is undeniable that WeBank is a typical case of practicing scenario finance.Studying this case has certain reference significance for how commercial banks build scenario financial products.This article first explains the concept,characteristics,evolution,business model and related theories of scene finance.Then introduced the overview of WeBank,and then analyzed its scenario-based financial products from the perspective of product introduction,scenario construction,product scenarioization,product design points,etc.,and evaluated the current situation of WeBank’s scenario financial products.And found its defects.Finally,from the perspectives of WeBank and traditional commercial banks,the corresponding proposals for creating financial products based on scenarios were put forward.