商业银行金融科技发展的困境及其对策

The Dilemma of Fintech Development of Commercial Banks and Its Countermeasures

金融科技为商业银行的转型提供了新思路,这也是金融科技受到高度关注的原因所在。在金融科技的带动下,商业银行正在转变自己的发展格局,在种种挑战接踵而至的背景下,如何促进自身的升级,并在相应的对策下使自己的发展与时俱进,成为时下商业银行发展的重要研究内容。因此,商业银行应该注重与金融科技公司建立良好的合作关系,走向合作共赢的新阶段。商业银行如果能够在这一时期以最快的速度把握住这一发展机遇,将使自身的发展乘势而上,不仅能加速转型,还能在新一轮的市场竞争中占据制高点。因此,在研究问题的基础上,给出相应的解决对策,这也是研究工作的最终目的。

Financial technology(shortened to Fintech)provides a new thinking for the transformation of commercial banks,which is the reason why fintech has attracted attention.Commercial banks are transforming the growth model,which is driven by fintech.Under the background of various coming challenges,how to promote their own upgrading and maintain development with the times under the corresponding countermeasures become an important research content of the development of commercial banks.Therefore,commercial banks should pay attention to establishing a good cooperative relationship with fintech companies and reaching a new stage of win win cooperation.If commercial banks can seize the development opportunity at the fastest pace in this period,they will make their own development ride on the momentum,not only accelerate the transformation,but also occupy the commanding height in a new round of market competition.Therefore,on the basis of the research problem,corresponding solutions are given,which is also the ultimate goal of the research work.