金融科技背景下“轻型银行”战略转型探析——以招商银行为例

Analysis on the Strategic Transformation of“light Banking”under the Background of fintech——Take China Merchants Bank for Example

在创新高科技产业和服务业成为产业主流的背景下,打造“轻型”银行已经成为商业银行适应当今经济形势的必然转型之路,其中金融科技成为商业银行转型不可或缺的工具。文章在解析了金融科技和“轻型”银行的定义及特点之后,以我国招商银行的相关数据为例指出金融科技在打造“轻型”银行战略中的推动作用,展现金融科技对我国实体经济的影响。面对当今银行业市场利率化,金融脱媒和经济增速下行等诸多经济弊病,打造以低资本消耗、高效率回报、多层次盈利的“轻型”银行已然成为商业银行长治久安的发展战略,其中金融科技颠覆了最初“工具”的角色,为商业银行的“轻型银行”战略搭建了平台,推动了商业银行的战略转型。

Under the background of innovation of high-tech industry and rsveice industry becoming the mainstream of industry,Buildin“g light”banks has become an inevitable way for commercial banks to adapt to the current economic situation,among them,Financial technology has become an indispensable tool for the transformation of commercial banks.This paper analyzes the definition and characteristics of financial technology and“light”banks,Taking the relevant data of China Merchants Bank as an example,this paper points out the role of financial technology in promoting the strategy of“light”bank,Showing the impact of financial technology on the real economy of our country.Facing the interest rate in Banking Market,Financial disintermediation,economic slowdown and other economic ills,Building a“light”bank with low capital consumption,high efficiency return and multi-level profit has become the long-term development strategy of commercial banks,Among them,Financial technology overturns the role of the original“tool”,Setting up a platform for“light bank”strategy of commercial banks,Promoting the strategic transformation of commercial banks.