金融科技驱动下的中小银行创新转型路径

Fintech-Driven Innovation and Transformation of Small and Medium-Sized Banks

超越一个对手的最好方式不是在原赛道跟随,而是在环境发生重大变化的时间拐点'弯道超车'。蓬勃发展的金融科技为中小银行'三升两降'、创新转型提供了难得的历史机遇和强大的助力。通过有效地建构敏捷组织、构建或参与开放生态,中小银行就有望在开发和应用金融科技的道路上早日实现创新转型。

The best way overtake an opponent is not to compete on the straight track but on a corner where the environment changes significantly.The booming fintech provides a rare historical opportunity and powerful boost for the innovation and transformation of small and medium-sized banks.By effectively building agile structures,participating in an open ecosystem,cooperating with regulators and embracing Regtech,small and medium-sized banks are expected to achieve early innovation and transformation in developing and applying fintech.