金融科技时代商业银行网点转型实践研究

Practical Research on the Network Transformation of Commercial Banks in the Financial Science and Technology Era

在利率市场化持续推进、金融科技飞速发展的背景下,网点作为银行最基本的单元,面临前所未有的经营难题,转型求变已成为发展的必然趋势。本文聚焦金融科技给网点转型带来的深刻影响,探索在“金融科技+”背景下网点转型的新定位、新方向,并进一步提出推进网点数字化转型的实践建议。

Under the background of the continuous promotion of interest rate marketization and the rapid development of financial science and technology,as the most basic unit of the bank,the outlets are facing unprecedented operational difficulties,and transformation has become an inevitable trend of development.This paper focuses on the profound impact of financial science and technology on network transformation,explores the new orientation and direction of network transformation under the background of "financial science and technology+",and further puts forward practical suggestions to promote network digital transformation.