金融科技对招商证券经营效率的影响分析

金融科技对招商证券经营效率的影响分析摘要随着新一轮工业革命不断深入的发展，金融科技掀起了一轮改革创新的热潮，对各国的金融市场都产生了深刻的影响。相较于发达国家，我国金融科技虽然起步晚，但跑的快，已有赶超发达国家的趋势。然而金融科技的发展对招商证券公司来说是一把双刃剑，一方面，金融科技为招商证券转型升级提供契机、有助于获取差异化竞争来提升自身经营效率，加强创新能力和风险控制能力。另一方面，金融科技新生态下，招商证券也面临着很多挑战：信息系统不稳定导致客户信息流失、证券公司数量众多导致行业竞争激烈、金融混业化发展所带来的挑战。如此机遇与挑战，招商证券该何去何从，又该如何搭上金融科技这趟顺风车，以科技创新驱动自身的可持续化发展，不断获取差异化竞争优势来提升自身经营效率。系统的研究金融科技对招商证券经营效率的影响，具有重大的意义。本文分为六个方面。首先是阐述了金融科技的含义以及金融科技对上市公司经营效率的影响。然后介绍了招商证券目前的经营状态和招商证券的经营效率。其次介绍了金融科技对招商证券经营效率的正面影响。然后是本文的重点，提出了金融科技对招商证券经营效率的负面影响并且根据负面影响向招商证券提出了对策和建议。建议招商证券提高自身互联网技术的运用、提高专业服务能力、明确自身业务定位并发挥独特中介作用。最后是对本文的总结。通过阅读中外文献、查找资料系统地剖析了金融科技对招商证券经营效率的影响机理。金融科技对招商证券经营效率是有弊也有利的，这就要求招商证券应当规避风险利用契机，不断发挥自身优势完善自己稳步前行。关键词：金融科技：招商证券：经营效率：负面影响AbstractWith the deepening development of the new round of industrial revolution,financial technology has set off an upsurge of reform and innovation,which has had aprofound impact on the financial markets of all countries.Compared with developedcountries,although China's financial technology started late,it ran fast,and has atrend of catching up with and surpassing developed countries.However,thedevelopment of financial technology is a double-edged sword for China MerchantsSecurities.On the one hand,financial technology provides an opportunity for thetransformation and upgrading of China Merchants Securities,helps to obtaindifferentiated competition to improve its own operating efficiency,and strengthen itsinnovation ability and risk control ability.On the other hand,under the new ecologyof financial technology,China Merchants Securities also faces many challenges:theinstability of information system leads to the loss of customer information,the largenumber of securities companies leads to fierce industry competition,and thechallenges brought by the mixed development of finance.With such opportunities andchallenges,where should China Merchants Securities go,and how to catch the freeride of financial technology,drive its sustainable development with scientific andtechnological innovation,and continuously obtain differentiated competitiveadvantages to improve its business efficiency.It is of great significance to systematically study the impact of financialtechnology on the operation efficiency of China Merchants Securities.This paper isdivided into six aspects.Firstly,it expounds the meaning of financial technology andthe impact of financial technology on the operating efficiency of listed companies.Then it introduces the current operation status and operation efficiency of ChinaMerchants Securities.Secondly,it introduces the positive impact of financialtechnology on the operation efficiency of China Merchants Securities.Then it is thefocus of this paper,which puts forward the negative impact of financial technology onthe operation efficiency of China Merchants Securities,and puts forwardcountermeasures and suggestions to China Merchants Securities according to thenegative impact.It is suggested that China Merchants Securities improve itsapplication of Internet technology,imp