互联网会给整个亚洲以及亚洲知识经济的发展带来多大影响？我们每一天都感受着信息通信技术（ICT）为社会传媒、教育与商业模式带来的巨大变化。但什么是使用知识经济促进经济发展的最好方式，对我们来说仍是个未知数。

The Internet will give the whole Asia and Asia the development of knowledge economy brings how old influence?Every day we feel the information communication technology(ICT)For social media/Education and business mode with the great change.But what is the use of the knowledge economy and the best way to promote economic development,For us, remains a mystery.

　　1973年，美国社会学家丹尼尔·贝尔（Daniel Bell）预言 “后工业社会”（Post-Industrial Society）将于2000年到来，服务行业、高价值专业技术人员以及科研创新将占据主导地位。

In 1973,,American sociologist Daniel biel(Daniel Bell)prophecy "Post industrial society"(Post - Industrial Society)In 2000 will be coming,Service industry/High value professional and technical personnel and scientific research innovation will occupy the leading position.

　　从2000年到2011年，全球互联网用户数量以每年528％的速度增长，从3.6亿上升到23亿，其中45％的用户位于亚洲。北美互联网普及率最高，为78.6％，而亚洲仅为26.2％，互联网在亚洲仍有巨大增长潜力。

From 2000 to 2011,The global Internet users quantity rising at an annual rate of 528%,From 360 million up to 2.3 billion,45% of the user is located in Asia.North American Internet penetration highest,Is 78.6%,While Asian is only 26.2%,The Internet in Asia still has a huge potential for growth.

　　信息、知识与价值创造之间的关系是什么？ information/Knowledge and the relationship between value creation is what?

　　1991年，信息学理论的开创者之一——罗伯特（Robert Lucky）提出，信息的价值链呈金字塔型，底层数据没有价值，归类后的数据成为有价值的信息，应用信息（技术）价值更高，而智慧则位于价值最顶层，被人们学习、经历，并帮助我们理解，甚至是预测事件。

In 1991,,The founder of informatics theory, one of Robert(Robert Lucky)Put forward,The information value chain is the pyramid,The underlying data no value,Classified data become valuable information,Application information(technology)Higher value,And wisdom is located in the most top value,Been learning/experience,And help us to understand,Even predict events.

　　互联网革命使我们能非常快地将信息与知识向世界各地传播。事实上，互联网的主要好处是，它打破了专业信息和数据的“孤岛”，使它们可被每一个上网的人共享和使用。

The Internet revolution that we can very quickly the information and knowledge to spread all over the world.In fact,The Internet is the main benefits,It broke the professional information and data"island",Make them can be every people online sharing and use.

　　互联网使“维基知识生产”成为可能，它向所有人提供服务并有成千上万匿名志愿者无偿投入，生产出巨大的公共产品。公共产品不再只靠政府、大学或企业提供，而是由成千上万的个人协作生产。

The Internet has made"Wikipedia knowledge production"possible,It provides services to all and tens of thousands of anonymous volunteers voluntary input,Produce huge public product.Public products not only by the government/University or enterprises to provide,But by the hundreds of thousands of individual cooperation production.

　　电子商务将在全球迅猛发展，尤其是在中国。一项英国的研究数据显示，到2013年，全球互联网用户数将达到全球人口的三分之一，与此同时，B2C（企业对消费者）电子商务的全球交易量将逾1.25万亿美元。

Electronic business affairs will in the global rapid development,Especially in China.A UK study data display,By 2013,Global Internet users will reach a third of the world's population,meanwhile,B2C(Business to consumer)Electronic business global trading will be more than $1.25 trillion.

　　当前世界最大的电子商务市场是美国，其次是英国和日本，年增长率达10％－15％。虽然总量不够大，但中国的电子商务销售额在2011年增长了两倍以上，假以时日，中国消费者网上购买与支付的市场将赶上全球领先水平。

Currently the world's largest e-commerce market is the United States,Next comes Britain and Japan,Year growth of 10% - 15%.Although the total amount is not big enough,But China's e-commerce sales in 2011 grew by more than two times,Over time,China's consumer online purchase and payment market will catch up with global advanced level.

　　根据弗雷斯特研究所（Forrester Research）估计，中国电子商务销售额年增长率将达到20％左右，预计从2012年到2016年，将从1600亿美元上升到超过3500亿美元。

According to the forrest research institute(Forrester Research)estimate,China's e-commerce sales annual growth rate will reach 20%,Expected from 2012 to 2016,Will rise from $160 billion to more than $350 billion.

　　目前中国上网的消费者中仅有40％在网上购物，而日本和澳大利亚的相应比例分别为69％和58％。

China's Internet only 40% of consumers online shopping,But Japan and Australia the corresponding proportion were 69% and 58% respectively.

　　自从智能手机、个人电脑和平板电脑进入我们的生活，通过互联网做交易开始变得更加普及。2012年，全球个人电脑销售量预计为3.67亿台，只有0.9％的增长，而平板电脑（iPad及同类产品）的销售量将增长54％，达1.07亿台，智能手机将增长39％，达6.86亿部。现代智能手机的处理能力甚至要超过20世纪80年代的IBM超级计算机，并且随着3G时代的来临，它们能更快地处理信息和传输数据，为消费者带来更多便捷。

Since the intelligent mobile phone/Personal computers and tablet PC into our life,Through the Internet to do a deal began to become more popular.In 2012,,Global sales of personal computers is expected to 367 million units,Only 0.9% of the growth,And tablet PC(IPad and similar products)Sales will increase by 54%,Up to 107 million sets,Smart phones will increase by 39%,686 million department.Modern intelligent mobile phone processing power and even more than 1980 s IBM supercomputer,And with the coming of 3 g era,They can faster processing information and data transmission,Bring more convenient for consumers.

　　换而言之，手机和平板电脑已经具有电脑终端的功能，因此成为了消费者偏爱的电子银行和电子商务平台。据估计，全球共有56亿部使用中的移动电话，手机与人口的比例平均为4∶5。

In other words,Mobile phones and tablet PC has the function of the computer terminal,Therefore become the consumer preference of electronic Banks and e-commerce platform.It is estimated that,Global 5.6 billion department of the use of mobile phone,Mobile phones and the proportion of the population for an average of 4, 5.

　　如果这是未来的发展趋势，那么中国银行(601988,股吧)业最大的竞争者将是移动运营商，因为仅中国移动一家就拥有6.55亿用户。中国手机用户总数为10.46亿，其中有1.52亿3G用户。

If this is the future trend of development,So the bank of China(601988,guba)Industry's largest competitors will be mobile operators,Because only a China mobile has 655 million users.China mobile phone users for a total of 1.046 billion,There are 152 million 3 g users.

　　在中国最偏远的地方也有手机用户，因此中国手机充值的网点数，比邮政储蓄银行还要多。目前，邮政储蓄是中国分布最广的线下银行网络，分行数达到4万以上。

In China's most remote place also has a mobile phone users,Therefore China's phone number of node,There are more than the postal savings bank.At present,Postal savings is China's most widely distributed offline bank network,The branch number above 40000.

　　消费者在线购买与支付的最大障碍一直是网络安全问题。我自己尽量避免在网上购物，因为总是担心信用卡信息会通过网络被盗。不过，网上购买产品与服务已变得越来越方便，比如网上购买图书。

Consumer online purchase and payment has been the biggest obstacle is the problem of network security.I try to avoid in online shopping,Because there is always a fear that the credit card information via the Internet will be stolen.but,Online purchase products and services has become more and more convenient,Such as books online purchase.

　　但随着五大技术发展日趋成熟，使用智能手机进行网购和办理电子银行业务的游戏规则将被改变。

But as the five technical development matures,Use the smart phones e-commerce and deal with electronic banking rules of the game will be changed.

　　一是眼睛（虹膜）扫描技术可在识别用户上提供独特的安全验证，iPad2已经安装了此项技术；二是云计算意味着许多软件和数据不必存放在电脑中，使智能手机也可以使用强大的云计算和存储功能；第三，智能手机的分析能力已大幅提高，手机应用下载使智能手机更加人性化；第四，4G宽带拓宽了网络频谱，可供不同用户使用；第五，社交媒体已非常流行，并将成为零售商拓展消费者市场的渠道之一。

One is the eyes(iris)Scanning technique can identify the user provides unique security,IPad2 has installed the technology;The second is cloud computing means that many software and data need not stored in the computer,Make smart phones can also use powerful cloud computing and storage function;The third,Intelligent cell phones has greatly improve the analysis capability,Mobile phone application download make smart phones more humanized;The fourth,4 g broadband widened network spectrum,For used for a different user;The fifth,Social media has been very popular,And will become the retailers expand consumer market one of the channels.

　　电子银行业务可分为这几类：支付、账户余额查询、投资、信贷融通及其他服务的购买（如保险、旅游等）。

Electronic banking can be divided into the categories:pay/Account balance inquires/investment/Credit facility and other services to buy(Such as insurance/Tourism, etc).

　　电子银行的竞争将来自不同的方面。在肯尼亚，农村人口使用手机进行小笔资金的转账，而无需使用现金。淘宝在中国的流行程度甚至超过了日本乐天（Rakuten）（30％）和亚马逊（17％），占中国全部在线交易的79％。

Electronic banking competition will come from different aspects.In Kenya,The rural population cell phone use in small amounts of capital transfer,Without having to use cash.Clean out treasure in China's popularity even more than the Japanese lotte(Rakuten)(30%)And amazon(17%),China accounted for 79% of all online transactions.

　　随着中国消费者和投资者向中产阶级、知识和技术型转变，人们对线上和线下高质量服务的需求将越来越大。

Along with the Chinese consumers and investors to the middle class/Knowledge and technology transformation,People to the online and offline high quality service requirement will be more and more big.

　　从分行业务转型为手机银行业务，再到现在的网络银行服务，对许多银行来说都不是件容易的事，因为所需技术的差异很大。成立电子银行并不仅仅是购买更大的电脑这么简单，它需要转变整个营销、后台和风险管理的体系与流程。

From the branch business transformation for the mobile banking,And to the present network banking services,For many bank is not an easy thing,Because the required technical difference is very big.Established electronic bank is not just to buy more computer so simple,It needs to change the whole marketing/Background and risk management system and process.

　　随着中国银行业的竞争愈发激烈，具有创造性和创新性地把业务重点转向电子银行，将是提升竞争力的重要步骤。

With China's banking increasingly fierce competition,Creative and innovative to business priorities to electronic bank,Will is to enhance the competitiveness of the important step.

　　关键问题仍是监管，因为电子银行可提供的服务，必定会跨越不同的监管范畴。这点在手机运营商、电子服务提供商和银行业之间最为明显。

The key problem is still supervision,Because electronic bank can provide services,Will across different regulatory category.In this mobile phone operators/Electronic service provider and banking most obvious between.

　　通过手机运营商和其他专家平台提供的信贷融资是否构成银行业务？如果是，那么为保证监管和货币稳定，我们应做哪些考虑？

Through the mobile phone operators and other experts platform to provide credit financing is a bank business?If it is,So to ensure that regulatory and monetary stability,We should do what consideration?

　　毫无疑问，阿里巴巴和易趣的竞价模式和交易平台，使它们拥有可监控客户信用度的卓越“流信息”。以交易为基础的信用，可以实时了解客户/借款人是否有销售或流动性问题，这比以抵押为基础的信用更优越。因为传统银行业靠抵押避免银行遭受信用损失，并不是“实时” 监控，在银行意识到风险时，贷款可能已变成坏账。

There is no doubt that,Alibaba and ebay's bidding mode and trading platform,Make them have can monitor customer credit degree of excellence"Flow information".Based on trade credit,Can real-time customer/borrowers have sales or liquidity problems,This is based on mortgage credit more superior.Because the traditional banking on mortgage avoid bank by the credit loss,And not"real-time" monitoring,In the bank realize risks,Loan may have to turn into bad loans.

　　这意味着，中国的银行需要全面审视自身状况，以拓展电子银行业务作为提高竞争力有效手段的时机已到。较大的银行可靠自身实力独立开发电子银行平台，一些较小的银行可将电脑资源聚集在一起并采用统一平台，以和大的竞争对手相抗衡。

This means that,Chinese Banks need to comprehensively review their own condition,To expand electronic banking business as improve competitiveness and efficient means of time has come.Bigger Banks reliable oneself actual strength independent development of the electronic banking platform,Some smaller Banks can will computer resources together and the unified platform,By and large competitors compete.

　　这一政策和战略层面的变化，将带来中国金融服务产品、流程和制度创新的全面变革。中国的金融部门能否更好地服务实体经济，对中国在全球的长期竞争力至关重要。

This policy and strategic level change,Will bring China's financial services products/Process and the system innovation reform.China's financial sector can better serve the real economy,For China in the global long-term competitiveness is very important.

　　作者为中国银监会首席咨询顾问和国际咨询委员会委员、香港经纶国际经济研究院院长、香港证监会前主席

The author is the China banking regulatory commission chief consultant and international advisory committee/The Hong Kong economy international economic research institute President/Former chairman of the Hong Kong securities regulatory commission