基于知识挖掘技术的商业银行与金融科技融合应用热点与趋势分析

Analysis of Hotspots and Trends in the Integration of Commercial Bank and Fintech Based on Knowledge Mining Technology

数字经济背景下,金融科技助力商业银行来满足客户多样化金融需求已成为大势所趋。为研究商业银行与金融科技融合应用的研究范畴,首先明晰金融科技概念的界定与商业银行的经营产业链相关概念;其次利用CiteSpace软件对2012年至2022年间中英文核心数据库的期刊文献做对比分析得出研究热点,同时运用Python文本挖掘技术对2016年至2022年年底的银行业科技报告做词云提炼;接着总结了业务创新、银行业竞合、风险管理与治理体系四大核心议题,重塑商业银行与金融科技融合应用的新研究体系;最后,从产业升级、金融普惠与金融稳定3个实际角度提出商业银行与金融科技未来可能的研究展望,试图拓宽金融科技在银行业应用的研究范围,推动科技更好地融入商业银行业务扩展与创新流程。

Under the background of digital economy,there is a general trend that commercial banks has adopted various financial technologies(fintech)to meet their customers'diversified financial needs.First,This paper compares the main concepts of the integration of digital economy and financial industry,thus clarifying the research scope of commercial banks and financial technology applications.Then,the paper uses econometric software to analyze the journals from Chinese and English databases between 2012 and 2022,and indicates the hotspots.Also,based on the context of banking industry reports by Python text mining method,the paper summarizes four core topics:business innovation,banking competition,risk management,and governance system,and rebuilds a new research system with details.Lastly,the paper summarizes some possible research directions in the future of commercial bank-fintech application from three practical aspects including industrial upgrading,financial inclusion,and financial stability.The research aims to broaden the research boundary of bank-fintech application,promote the better integration of fintech into the business expansion and innovation of commercial banks.