金融科技时代建设银行南宁分行盈利模式的现状与对策分析

金融科技时代建设银行南宁分行盈利模式的现状与对策分析摘要从2017年开始，世界正式步入了“智能金融、智慧金融”的3.0时代。截止到2020年年初，我国的金融技术已经成为世界上较为先进的金融技术之一，金融技术已被广泛运用于各行各业中。伴随着金融科技时代的高速发展，金融科技不但会促进商业银行盈利模式转型和升级，同时也会导致传统银行盈利能力的减弱。由于商业银行在我国金融系统的中特殊位置，其中政府政策保护主义尤为突出，但是商业银行市场化程度低于金融科技公司，因而其在市场反应能力也相对较弱。面对这一问题，商业银行想要取得更大的突破，就必须脱离较为传统的以利差为主导的盈利模式，以金融科技技术为契机，依托大数据、人工智能等发展以非利差主导型盈利模式。在较大程度提升自身的竞争能力。本文就金融科技时代背景下建设银行南宁分行盈利模式的现状进行分析，探讨在金融科技飞速发展的同时建设银行目前盈利模式存在的风险与问题以及如何加强与金融科技企业的合作以及进行盈利模式的转型对策进行研究。论文首先阐述金融科技的基本概念，商业银行的盈利模式以及建设银行在金融科技下产生的问题：其次通过调研广西建设银行南宁分行的发展现状，从金融科技时代背景下建设银行南宁分行盈利模式现状与发展问题出发，借助文献综述法与访谈法研究分析建设银行南宁分行在金融科技时代发展下盈利模式的现状：然后通过分析建设银行南宁分行盈利模式目前存在的问题进行深入的研究，并提出相应的解决对策。关键词：金融科技：盈利模式：建设银行沈阳工学院毕业论文AbstractSince 2017,the world has officially entered the era of financial technology 3.0,which isthe theme of "intelligent finance,intelligent finance".By the beginning of 2020,China is acountry with a high utilization rate of financial science and technology in the world.With thecontinuous renewal of financial technology,it not only promotes the transformation andupgrading of commercial Banks,but also will have an impact on the traditional for-profitbusinesses of commercial Banks.In addition,China's commercial Banks have been in acompetitive advantage in the past.Since commercial Banks have always had a uniqueposition in China's financial system,government policy protectionism is particularly obvious,and the marketization level is relatively low than that of financial technology enterprises,sothey have poor performance in market response ability.In the face of this problem,ifcommercial Banks want to make a big breakthrough,they must be free from the traditionalprofit model,seek the transformation of the profit model and find new profit growth points,soas to better improve their competitiveness.This paper analyzes the current situation of the profit model of Nanning branch ofconstruction bank under the background of financial technology era,discusses the risks andproblems existing in the current profit mode of construction bank while the rapiddevelopment of financial science and technology,and how to strengthen cooperation withfinancial technology enterprises and carry out the research on the transformationcountermeasures of profit mode.Firstly,this paper expounds the basic concepts of financialtechnology,the profit model of commercial Banks and the problems caused by the profits ofconstruction Banks under financial technology.Secondly,through investigating thedevelopment status of Nanning branch of Guangxi construction bank,starting from thecurrent situation and development of the profit mode of Nanning branch of construction bankunder the background of financial and technological times,the current profit mode ofNanning branch of construction bank of China is analyzed by means of literature review andinterview.Finally,through the analysis of the existing problems and causes of the branch,thesolutions are put forward.沈阳工学院毕业论文Keywords:Financial technology;Profit model;Construction bank沈阳工学院毕业论文目录摘要…Abstract…绪论.1金融科技