商业银行无人网点的发展研究

Research on the Development of Unmanned Outlets of Commercial Banks

近年来,在科技金融飞速发展的背景下,传统的银行网点作为商业银行最主要的获客渠道之一,其转型升级和对新技术的应用迫在眉睫。如今银行网点“智能化转型”提速,但当前银行智能化网点的发展还在探索阶段,很多银行虽然引入了人工智能、大数据等金融科技,但其实际运营的效果并未达到理想状态,目前各商业银行在“无人银行”、“无人网点”的建设过程中还存在诸多不足。本文希望通过梳理国内外关于金融科技、无人网点的理论研究和无人网点的实践现状,在此基础上,总结无人网点的发展趋势和优势所在,通过调研无人网点,分析无人网点发展过程中存在的问题和经验启发,最后结合我国实际国情,提出无人网点转型发展的具体建议。

In recent years,under the background of the rapid development of science and technology finance,traditional bank branches,as one of the most important customer acquisition channels for commercial banks,are imminent in terms of transformation and upgrading and new technology application.Nowadays,the"intelligent transformation"of bank branches is accelerating,but the development of bank intelligent branches is still in the exploratory stage,although many banks have introduced artificial intelligence,big data and other financial technologies,but their actual operation effect has not yet reached the ideal state,commercial banks"unattended"and"unmanned branches"construction process There are still many shortcomings.This paper hopes to summarize the development trend and advantages of unmanned outlets by sorting out the theoretical research on financial technology and unmanned outlets at home and abroad,and finally put forward specific suggestions for the transformation and development of unmanned outlets according to China's actual national conditions.