金融科技与商业银行创新发展趋势分析

当前,金融科技的快速发展催生了商业银行的创新业态,即互联网商业银行金融体系。在这套体系中,不但拥有对商业银行服务运营内容及经济发展方式的转变,也有对金融服务效率的优化改善,它对我国整体的经济生产力转化具有极其重要的价值。本文以案例分析形式探讨了现实中金融科技与商业银行创新融合发展的混合业态现实状况,并提出商业银行在未来继续实施金融科技创新战略的发展趋势。

At present, the rapid development of financial science and technology has spawned the innovative business model of commercial banks, namely the financial system of Internet commercial banks. In this system, it not only has a change in the content and economic development mode of commercial bank service operations, but also optimizes and improves the efficiency of financial services. It plays an extremely important role in the transformation of China＇s overall economic productivity. This paper discusses the reality of mixed industry in the development of financial technology and commercial bank innovation in the form of case analysis, and finally concludes the development trend that commercial banks will continue to implement financial technology innovation strategy in the future.