摘要
金融科技(Fintech)以新兴技术为核心,对金融产品进行改造及创新,拓宽金融可获得性,提高金融效率,有力地促进传统金融业的转型升级,已成为商业银行的战略重点和发展方向。同时,商业银行发展金融科技也面临一系列劣势和困境,如缺乏高效组织架构、信息科技系统难兼容等。本文在对相关文献回顾和评述的基础上,首先分析了商业银行发展金融科技的背景;其次,重点运用SWOT分析法剖析商业银行发展金融科技的优势、劣势、机会和威胁;最后,提出商业银行发展金融科技的对策建议:由内部研发、成立子公司,逐步过渡到外部战略合作。
Financial technology(Fintech)takes emerging technologies as the core to transform and innovate financial products,broaden financial availability,improve financial efficiency and effectively promote the transformation and upgrading of traditional financial industry.It has become the strategic focus and development direction of commercial bank.Meanwhile,commercial banks also face a series of disadvantages and difficulties in developing Fintech,such as the lack of efficient organizational structure and the incompatibility of information technology systems.Based on the review of relevant literatures,this paper firstly analyzes the background of commercial bank’s development of Fintech.Secondly,this paper analyses the advantages,disadvantages,opportunities and threats of commercial bank’s development of Fintech by SWOT analysis.Finally,puts forward the suggestions for commercial banks to develop Fintech:from internal research and establishment of subsidiaries to gradual transition to external strategic cooperation.
作者
卜亚
BU Ya(Research Center of Service Manufacturing Model and Informatization,Jiangsu University of Science and Technology;Economy and Management School,JiangSu University of Science and Technology)
出处
《当代金融研究》
2019年第4期64-73,共10页
Journal of Contemporary Financial Research
基金
江苏高校哲学社会科学研究重大项目“金融科技创新监管路径优化研究（2019SJZDA060）”
江苏高校哲学社会科学优秀创新团队建设项目
