金融科技背景下银行的转型路径与对策研究

金融科技背景下银行的转型路径与对策研究[摘要]随着时代的发展和技术水平的提高，金融业呈现出以数字经济为代表的一系列特征。当前，互联网金融的发展为我国银行业的转型升级提供了机遇。金融科技是现代金融业的重要发展趋势，银行作为重要的传统行业和经营主体之一，必须顺应时代潮流，不断进行转型升级。在这样一个大背景下，商业银行应该如何去造应时代发展趋势和科技创新呢？本文从银行业的视角出发，选取了中国银行业中比较具有代表性的，五大国有银行进行分析。详细介绍了金融科技在我国银行业的发展，探讨了金融科技的发展对我国传统商业银行发展的影响，分析了五大国有银行的金融科技发展现状，并运用嫡值法分析了我国五大商业银行2007-2021年的年报数据对比其转型的效果，得出金融科技背景下银行转型可能存在的问题。结合中国现代金融体系和商业银行的发展以及存在的挑战，总结出了中国商业银行推进金融转型的三个路径，并从三个不同角度提出了促进中国商业银行发展的对策建议。[关键词]商业银行：金融科技：银行转型RESEARCH ON THE TRANSFORMATION PATH ANDCOUNTERMEASURES OF BANKS UNDER THEBACKGROUND OF FINTECH[Abstract]With the development of The Times and the improvement of technical level,the financial industry presents a series of characteristics represented by digital economy.At present the development of Internet finance provides opportunities for thetransformation and upgrading of Chinese banking industry.Fintech is an importantdevelopment trend of the modern financial industry.As one of the important traditionalindustries and business entities,banks must conform to the trend of The Times andconstantly carry out transformation and upgrading.In this context,how shouldcommercial banks adapt to the trend of The Times and technological innovation?Fromthe perspective of banking industry,this paper selects five representative state-ownedbanks in China's banking industry for analysis.This paper introduces the development offintech in Chinese banking industry in detail,discusses the influence of fintechdevelopment on the development of Chinese traditional commercial banks,analyzes thestatus quo of fintech development of five major state-owned banks,and uses entropymethod to analyze the annual report data of five major commercial banks from 2007 to2021 to compare the effect of their transformation.The possible problems of bankingtransformation under the background of fintech are concluded.Combined with thedevelopment and challenges of China's modern financial system and commercial banks,this paper summarizes three ways for China's commercial banks to promote financialtransformation,and puts forward countermeasures and suggestions for promoting thedevelopment of China's commercial banks from three different perspectives.[Key words]commercial bank;financial technology:bank transformation目录一、绪论...…(一)研究背景...1(二)研究意义..(三)国内外文献综述...2(四)研究内容及方法..·3(五)创新点与不足之处..4二、商业银行金融科技发展概况..·5(一)金融科技的理论概述.…5(二)金融科技的发展历程......…6(三)金融科技对商业银行的影响...6三、银行金融科技转型现状.....。8(一)五大国有银行金融科技现状..8(二)商业银行金融科技转型原因........11(三)商业银行转型升级路径...·12四、商业银行科技转型效果分析........14(一)评价方法及数据来源.·。15(二)转型效果评价指标.........17(三)具体实证过程及效果评价...........18(四)商业银行转型过程中可能存在的问题......·20五、商业银行转型发展的对策建议..........23(一)加大对金融科技研究的投入，提高对数字化转型的重