金融科技背景下招商银行成都分行零售业务转型的现状与对策分析

金融科技背景下招商银行成都分行零售业务转型的现状与对策分析摘要近些年来，我国宏观经济增长速度放缓、利率市场化改革逐步推进、金融脱媒不断加速，以对公业务作为主要利润来源的传统商业银行遭遇了发展瓶颈。近年来，随着人工智能、大数据、云计算、区块链等新兴技术的应用不断成熟优化，金融科技也在不断发展创新，成为了各种金融机构寻求发展转型，提高收益的主要动力来源。在宏观层面国家也出台了相对应的政策，可以看出国家对于金融科技的重视。各大商业银行也纷纷立足自身的发展优势和战略布局金融科技。招商银行成都分行坚持“科技引领、零售突破、对公做精”的目标，积极推动银行数字化转型。本文从金融科技的背景发展历程角度入手，首先通过访谈的形式以及多方面收集资料了解招商银行成都分行零售业务的概况在金融科技背景下发展的现状，其次介绍了在金融科技背景下招商银行成都分行零售业务转型的现状以及转型的总体历程。接着对招商银行成都分行在总体金融科技背景下发展布局及当中的不足进行分析：最后在此基础上对招商银行成都分行提出了符合金融科技背景下的合理化建议，以推动我们金融科技的良性发展及银行的升级转型，助力我们金融业的发展。关键词：金融科技：招商银行成都分行：零售业务转型AbstractIn recent years,China's macroeconomic growth rate has slowed down,the reform ofinterest rate marketization has gradually advanced,and financial disintermediation has beenaccelerating,and traditional commercial banks with public business as the main source ofprofits have encountered development bottlenecks.In recent years,with the continuousmaturity and optimization of the application of emerging technologies such as artificialintelligence,big data,cloud computing,and blockchain,financial technology has alsocontinued to develop and innovate,and has become the main source of motivation for variousfinancial institutions to seek development and transformation and improve revenue.At themacro level,the state has also introduced corresponding policies,which can be seen that thecountry attaches great importance to financial technology.Major commercial banks have alsobased on their own development advantages and strategic layout of financial technology.China Merchants Bank Chengdu Branch adheres to the goal of "leading by science andtechnology,making breakthroughs in retail,and refining the public"and actively promotes thedigital transformation of banks.Starting from the perspective of the background and development process of financialtechnology,this article first understands the general situation of the retail business of ChinaMerchants Bank Chengdu Branch in the context of financial technology through interviewsand collects information from various aspects,and then introduces the current situation andoverall process of the transformation of the retail business of China Merchants Bank ChengduBranch under the background of financial technology.Then,the development layout andshortcomings of China Merchants Bank Chengdu Branch in the context of overall financialtechnology are analyzed,and finally on this basis,the rationalization suggestions of ChinaMerchants Bank Chengdu Branch in line with the background of financial technology are putforward to promote the benign development of our financial technology and the upgradingand transformation of the bank,and help the development of our financial industry.Keywords:Fintech;China Merchants Bank Chengdu Branch;Retail BusinessTransformation目录摘要Abstract…绪论1金融科技背景与商业银行零售业务概述.21.1金融科技背景概述21.2商业银行零售业务概述…21.3金融科技背景下零售业务转型的必要性.32金融科技背景下招商银行成都分行零售业务的现状52.1招商银行成都分行零售业务发展现状t444444444444.52.2招商银行成都分行零售业务转型历程63金融科技背景下招商银行成都分行零售业务转型存在的问题.73.1金融科技应用情况不佳73.2用户信息存在安全风险.83.3产品同质化严重待创新…93.4金融科技人才储备不足.104金融科技背景下招商银行