新冠疫情冲击下商业银行金融科技发展策略与路径选择

Development Strategy and Applications of Financial Technologies in Commercial Banks under the Impact of COVID-19 Pandemic

分析了新冠疫情下商业银行金融科技发展战略的必要性、商业银行金融科技发展的策略选择,在此基础上提出新技术推动商业银行金融科技发展的路径选择,认为新技术与金融深度融合的路径主要有:一是区块链技术推动和颠覆商业银行业务流程再造;二是大数据重塑商业银行信息服务和信用风控模式;三是云计算加速商业银行IT架构向分布式转型;四是人工智能打造商业银行金融大脑,重构金融生态。

Financial Technologies play an important role in helping commercial banks respond to the COVID-19 pandemic.This paper analyzes the necessity and the strategy choice of the CB financial technologies under the impact of COVID-19 pandemic.On this basis,measures to promote the development of the CB financial technologies mainly include the following:first,block chain promotes and subverts business process;second,data reshapes the information service and risk control mode;third,cloud computing accelerates the distributed mode transformation of IT architecture;fourth,artificial intelligence builds the CB financial brain and reconstructs financial ecology.