金融科技对商业银行盈利能力影响分析

金融科技对商业银行盈利能力影响分析摘要金融与科技之间的融合促进了一大批金融科技企业的产生，很多新兴技术也融入金融领域形成新的金融科技生态。商业银行目前正在步入新的转型升级期，面对如此的竞争，商业银行遭受的压力越来越大。商业银行的创新能力不足，因此资产配置能力、产品更新能力相对滞后，为了提升盈利能力，就必须要改变原有的思路，了解金融科技对自身盈利能力的影响，了解金融科技对于自身发展的作用。本文对金融科技对商业银行盈利能力的影响进行了定性分析，从金融科技概念等方面入手，逐渐深入研究两者之间的关系，了解金融科技影响下商业银行的发展现状，最终提出了商业银行发展的路径，为商业银行的未来发展具有一定的参考意义。关键词：金融科技；商业银行；金融产品；路径AbstractThe integration between finance and technology has promoted the emergence of a largenumber of financial technology companies,and many emerging technologies have also beenintegrated into the financial field to form a new financial technology ecosystem.Commercial banksare now entering a new period of transformation and upgrading.Facing such competition,commercial banks are under increasing pressure.Commercial banks have insufficient innovationcapabilities,so their asset allocation capabilities and product update capabilities are relativelylagging behind.In order to improve profitability,they must change their original thinking,understand the impact of financial technology on their own profitability,and understand the role offinancial technology in their own development..This paper makes a qualitative analysis of theimpact of financial technology on the profitability of commercial banks.Starting from the concept offinancial technology,it gradually studies the relationship between the two,understands thedevelopment status of commercial banks under the influence of financial technology,and finallyproposes a commercial bank.The development path has certain reference significance for thefuture development of commercial banks.Key words:financial technology;commercial bank;financial product;path摘要Abstract.….2一、金融科技对商业银行盈利能力影响的理论基础.51.金融科技的概念.....52.金融科技的发展历程.53.商业银行盈利能力的表现.>4.金融科技对盈利能力的影响机制…7二、金融科技与商业银行的关系…101.金融科技和商业银行的特征分析…102.金融科技在商业银行中的应用.…103.金融科技对传统银行业发展的挑战12三、金融科技对商业银行盈利能力影响的现状分析….131.我国金融科技发展现状.…..13(1)金融科技技术方面.13(2)金融科技监管方面.....14(3)金融科技应用方面.142.金融科技应用释放盈利增长点15(1)搭建互联网平台与创新产品15(2)应用于传统业务升级服务模式…16(3)与第三方合作共享资源.16四、商业银行应对金融科技发展的路径…171.融合互联网，拓宽当前经营模式172.建立竞争优势，做好风险管控…173.与金融科技进行优势互补.…184.提高专业服务水平185.创新中间产品，提高盈利水平19五、结论….20参考文献.21