金融科技背景下商业银行盈利能力提升路径探讨

Study on the Profi tability Enhancement Strategies of Commercial Banks Based on Financial Technology

科技赋能金融是实现金融业转型发展的重要举措和有益尝试。在商业银行的业务模式中,金融科技工具、方法和模型的应用可以在客户群体营销、客户服务和内部运营三个方面发挥积极作用。为提升银行盈利能力,商业银行应明确金融科技的发展路径,加强金融科技的应用效率,加快金融科技的人才储备,确保金融科技战略能够高效实施,有效赋能,从而增强商业银行的核心竞争力。

Tech-enabled finance is an essential initiative and a beneficial attempt to realize the transformation of the financial industry.In the business model of commercial banks,the application of fintech tools,methods and models can play a positive role in the marketing,service and management of customer groups.To enhance bank profitability,commercial banks should clarify the development route of fintech,strengthen the efficiency of fintech application and talent reserve,and ensure that fintech strategies can be efficiently implemented and effectively empowered,so as to realize the enhancement of core competitiveness of commercial banks.