金融科技背景下工商银行郑州分行网点转型的现状与对策分析

金融科技背景下工商银行郑州分行网点转型的现状与对策分析摘要近年来，在金融科技飞速发展的背景下，金融科技与传统网点快速融合，使得商业银行传统网点发展面临诸多问题。而作为未来银行业发展必然趋势，且在为不同用户提供丰富的金融产品以及良好的服务时，我国商业银行网点也应顺应时代趋势，总结发达国家商业银行智慧网点转型经验，积极采取相应措施加快商业银行网点智能化转型进程，从金融科技应用与转化、风险管理体系、智能机具分流、综合金融服务方面进行深层次改革，以更好地应对新时代下的挑战，逐渐形成各商业银行网点优势并提升自身竞争力。本文以工商银行郑州分行为例，通过访谈的形式对该地工商银行郑州分行的工作人员进行采访，从而聚焦金融科技发展给商业银行网点转型带来的影响，以分析当前该银行网点转型的现状以及必要性。首先，本文主要介绍了金融科技的概念、特点以及商业银行网点转型的意义：其次介绍了此次访谈的内容以及结果：之后根据访谈结果进而分析工商银行郑州分行当前网点转型的现状：最后主要针对郑州分行网点转型的现状提出相应的对策，从而提升商业银行整体核心竞争力。关键词：金融科技：网点转型：智能化AbstractIn recent years,under the background of the rapid development of financialtechnology,the rapid integration of financial technology and traditional outlets makesthe development of traditional outlets of commercial banks face many problems.Asthe inevitable trend of the future development of the banking industry,and whenproviding rich financial products and good services for different users,China'scommercial bank outlets should also comply with the trend of the times,summarizethe transformation experience of smart outlets of commercial banks in developedcountries,and actively take corresponding measures to speed up the intelligenttransformation process of commercial bank outlets,from the application andtransformation of financial technology,risk management system,the diversion ofintelligent machines and tools Carry out in-depth reform in comprehensive financialservices to better meet the challenges of the new era,gradually form the networkadvantages of commercial banks and improve their competitiveness.Taking Zhengzhou branch of industrial and Commercial Bank of China as anexample,this paper interviewed the staff of Zhengzhou branch of industrial andCommercial Bank of China in the form of interview,so as to focus on the impact ofthe development of financial technology on the network transformation of commercialbanks,so as to analyze the current situation and necessity of the networktransformation of the bank.Firstly,this paper mainly introduces the concept andcharacteristics of financial technology and the connotation and necessity of networktransformation of commercial banks;Secondly,it introduces the content and results ofthe interview;Then,according to the interview results,it analyzes the currentsituation of network transformation of ICBC Zhengzhou branch;Finally,it mainlyputs forward corresponding countermeasures for the current situation of networktransformation of Zhengzhou branch,so as to improve the overall corecompetitiveness of commercial banks.Keywords:Financial Technology;Network Transformation;Intellectualization目录摘要Abstract.绪论1金融科技背景及商业银行网点转型概述.21.1金融科技的概念..21.2金融科技的特点21.3商业银行网点转型的意义.32工商银行郑州分行网点转型现状2.1工商银行郑州分行概述…..42.2工商银行郑州分行网点转型现状2.2.1银行离柜率.2.2.2银行网点柜员人数。52.2.3银行网点数量..62.2.4金融科技资金及人才投入..63工商银行郑州分行网点转型存在的问题.83.1网点营业人员转型意识不强83.2智能化网点缺乏体验感.93.3物理网点转型发展过于形式化..103.4数据和存储安全防控有待完善...114工商银行郑州市分行网点转型的对策124.1增强智能化的网点内部管理.124.2加大科技投入，增强交互式体验134.3优化网点布局.144.4强化智能网点风险防控15结论.16致谢..17参考文献，18附录，.19沈阳工学院毕业论文绪论近年来，金融科技的蓬勃发展，给商业银行传统网点带来巨大冲击，目前我国经济社会市场竞争日益激烈，新时期商业银行发展