金融科技背景下广发银行郑州分行流动性的问题与对策分析

金融科技背景下广发银行郑州分行流动性的问题与对策分析摘要在我国的金融市场中，商业银行扮演着举足轻重的角色，它对维护国家金融系统的稳定和经济的发展起着举足轻重的作用。商业银行通过资产业务或负债业务为企业或个人融资，从而向社会提供流动性。在过去十几年中，科学技术发生了天翻地覆的变化，同时也变革了金融服务的方式。从数字货币到区块链的应用，金融界正在加速创新，科学技术与金融的系统结合在中国得到了迅猛发展。因此，在一定程度上，金融技术的发展对商业银行的原有各项业务都产生了一定的影响，进而影响到银行的流动性。本文以广发银行郑州分行为例，研究在金融科技背景影响下商业银行的流动性变化。本文先是对金融科技的时代背景做了简单地介绍，以及对商业银行的流动性的含义及特点进行了简述，而且还提及了商业银行的流动性指标和研究金融科技对商业银行流动性影响得必要性。然后对广发银行郑州分行目前的流动性现状进行分析，接下来是在上文的基础上发现该银行目前流动性存在的问题，最后是就发现的问题提出解决的对策。关键词：金融科技，流动性，风险管理AbstractCommercial banks play an extremely important role in China's financial market and areimportant financial institutions with stable and economic stability in China's financial system.Commercial banks finance businesses or individuals through asset business or liabilitybusiness,thereby providing liquidity to society.Over the past decade,science and technologyhave changed dramatically,as well as the way financial services are conducted.From theapplication of digital currency to blockchain,the financial community is acceleratinginnovation,and the combination of science and technology and financial systems hasdeveloped rapidly in China,so the emergence of financial technology has affected variousbusinesses of commercial banks to a certain extent,thus affecting the liquidity of banks.This article takes the Zhengzhou Branch of the Development Bank as an example tostudy the liquidity changes of commercial banks under the background of financialtechnology.The first is a brief description of the background of the era of financial technologyand the meaning and characteristics of the liquidity of commercial banks,mentioning theliquidity indicators of commercial banks and the impact of financial technology on theliquidity of commercial banks.Then the current liquidity situation of Guangfa BankZhengzhou Branch is analyzed,followed by the problems existing in the bank's currentliquidity on the basis of the above,and finally the countermeasures to solve the problemsfound are proposed.Keywords:Fintech;Liquidity;Risk Management0目录摘要Abstract.绪论1金融科技背景与银行流动性概述.21.1金融科技背景简介.21.1.1金融科技的定义.21.1.2金融科技在银行中的业务应用21.2商业银行流动性概述31.2.1商业银行流动性的定义.31.2.2商业银行流动性的特点.31.3商业银行流动性指标1.3.1贷存比（静态指标）.1.3.2流动性比例（静态指标）.41.3.3不良贷款率（动态指标）1.4研究金融科技对商业银行流动性影响的必要性2金融科技下广发银行郑州分行流动性现状.72.1广发银行郑州分行现状.2.2广发银行郑州分行流动性指标现状3广发银行郑州分行流动性存在的问题93.1广发银行郑州分行固定存款质量差.93.2广发银行郑州分行吸收短期存款能力低93.3广发银行郑州分行贷款业务能力差.104广发银行郑州分行流动性问题解决对策..124.1吸收高精端人才，加强对科技研发….124.2结合金融科技，打造新型产品134.3.促进银行现有业务发展，增强银行流动性管理.14结论15致谢.16参考文献17录.