金融科技发展与商业银行的数字化战略转型

Fin-tech Driving and Strategic Digitization Transformation of Commercial Banks

本文通过对六家样本商业银行进行探索性案例分析,设计了两个维度来分析金融科技驱动下商业银行的公司战略转型方向,构建了商业银行的战略选择模型。研究发现:金融科技推动不同资产规模和资金实力的商业银行差异化发展和战略转型。大中型银行选择闭环生态型或开放生态型银行战略的可能性较大,小型银行选择细分市场型或垂直分工型银行战略的可能性较大。

The paper analyzed the relationship between Fin-tech and commercial bank strategic transformation. With investigating six sample commercial banks,the paper established four strategic choice model. Research results shows that Fin-tech drives commercial banks with different assets to adjust strategic direction. The possible choice of large and medium-sized banks is loop ecological or open ecological bank strategy,the possible choice of small banks is market segmentation or vertical division bank strategy.