金融科技对中国城市商业银行的影响与对策研究

Research on the Influence and Countermeasures of Fintech on Urban Commercial Banks in China

金融科技的迅猛发展对于中国城市商业银行业既是严峻挑战,也是扩张业务的新机遇。以中国城市商业银行为视角,从金融科技的概念入手,综合分析了金融科技飞速发展对中国城市商业银行产生的影响,探讨在金融科技冲击下中国城市商业银行的转型举措。

The rapid development of FinTech is not only a severe challenge to China′s city commercial banks,but also a new opportunity to expand their business.From the perspective of China′s city commercial banks,starting with the concept of FinTech,this paper comprehensively analyzes the impact of the rapid development of FinTech on China′s city commercial banks,and discusses the transformation measures of China′s city commercial banks under the impact of FinTech.