关于中小商业银行发展金融科技的战略研究——基于城商行群体的样本分析

Strategic Study on the Development of Financial Technology for Small and Medium-sized Commercial Banks——Sample Analysis based on the City's Business Community

城市商业银行是我国金融体系中的重要组成部分,在支持中小微企业、推动普惠金融体系建设以及践行国家宏观战略等领域都发挥着重要作用。近年来,城市商业银行虽然发展迅速,但各维度指标与大型商业银行相比,两者差距仍然有不断扩大的趋势,同时城市商业银行内部分化率也在进一步提升。飞速发展的金融科技已经成为金融领域新蓝海,其既是加剧这种分化的本源,也是缩小这种差距的手段。因此,有必要在分析城市商业银行发展现状的基础上,探寻其与金融科技的耦合性,研究城市商业银行如何在发展金融科技中形成自身的核心竞争力。面对金融科技,城市商业银行要在充分利用其自身优势的基础上把握机遇,快速植入科技基因,积极打造"小而美""小而优""小而特""小而智"的金融科技公司。

Urban commercial banks are important parts of Chinas financial system, and they have play an important role in support- ing small and medium - sized enterprises, promoting the construction of inclusive financial system and practicing the na- tional macro strategy. In recent years, although the urban commercial banks develop rapidly, but each dimension index compares with the large - scale commercial bank, the disparity still has the unceasing expansion tendency. In addition, the urban commercial bank＇s internal differentiation rate is also further enhanced. The rapid development of financial technology has become a hot opportunity in the financial field. It is not only the source of this differentiation, but also the means to narrow the gap. Therefore, it is necessary to analyze the development of urban commercial banks and ex- plore their coupling with finance technology and research how urban commercial banks to develop their own core competi- tiveness in the development of financial technology. In the face of financial technology, urban commercial banks should grasp the opportunity in the full use of their own advantages, the rapid implant technology gene, and creating ＂ small but beautiful＂, ＂ small but excellent＂, ＂ small but special＂, ＂ small but wisdom＂ of financial technology company.