金融科技引领商业银行未来：转型现状及应用前景分析

Fintech Leading the Future of Commercial Banks:the Analysis of Current Transitional Situation and Application Prospect

近年来,商业银行经营面临"金融脱媒"和"同业竞争"的双重挑战,依托金融科技进步和国家政策优势的共同发力,商业银行纷纷利用金融科技寻求转型和突破。通过加大金融科技投入、加强与第三方合作、设立创新实验室和子公司进行联合创新和自主研发等方式,在金融科技布局上进行了诸多探索,并在推进商业银行数字化和经营管理转型方面取得了一定成果。金融科技在商业银行未来发展中应用前景广阔,可助力银行进行精细化管理,构建新型"金融生态圈",推进银行平台、产品和服务的智慧化转型。

Commercial banks are facing the double challenges of"financial disintermediation"and"inter-industry competition"in recent years.Relying on the joint efforts of the progress of FinTech and the advantages of national policies,commercial banks have made use of FinTech to seek transformation and breakthroughs.Many explorations have been made in accelerating the layout of FinTech.Through increasing investment in FinTech,strengthening cooperation with third parties,setting up innovative laboratories and subsidiaries,joint R&D and independent R&D have been carried out,and some achievements have been made in promoting the transformation of commercial banks'digitalization and management.FinTech have broad application prospects in the future development of commercial banks,which can help banks to carry out fine management,build a new"financial ecosphere"and promote the intelligent transformation of banking platforms,products and services.