Fintech背景下传统商业银行的转型路径研究

Research on the Transition of Traditional Commercial Banks underthe Background of Fintech

Fintech正在飞速地改变着金融行业的发展格局,致使传统商业银行的中间业务、存贷款业务都面临冲击和挑战。因此,如何加快商业银行转型升级以适应金融发展新形势显得十分紧迫。本文认为:传统商业银行应当转变发展理念、创新合作方式、加强Fintech人才引进和人才培养,才能真正实现金融产品、经营模式和业务流程的Fintech化,推动金融与科技深度融合、协调发展。

Fintech is rapidly changing the development pattern of the financial industry.The intermediary business and deposit and loan business of traditional commercial banks are facing impacts and challenges.Therefore,how to accelerate the transformation and upgrading of commercial banks and adapt to the new financial development situation is very urgent.Traditional commercial banks should quickly change their development concepts,innovate cooperation methods,strengthen the introduction and training of Fintech talents,truly realize the Fintechization of financial products,business models and business processes,and promote the deep integration and coordinated development of finance and technology.