金融科技:新风口下的银行转型之路  

Fintech and Banking Transformation

作　　者：杨荣 

机构地区：[1]中信建投证券研究所

出　　处：《金融市场研究》2017年第12期18-29,共12页Financial Market Research

摘　　要：金融科技的技术应用已经扩展到了大数据、智能数据分析、区块链等前沿技术,对于提升金融效率和优化金融服务有重要作用。金融科技对银行业的影响最直接表现在客户服务、产品设计、运营模式三个方面。面对"金融科技"这个新风口,在借鉴国际实践和国内银行业面临的现实挑战的基础上,我国商业银行应利用自身优势,结合金融科技发展,探索银行业的转型路径。The fintech sector has been extended to some cutting-edge areas such as big data, intelligent data analysis and blockchain technology. Applications of technology in these areas can play an important role in promoting efficiency and optimizing services in the financial sector. The direct impact of fintech on the banking industry is reflected in improved customer services and product design as well as new operating modes for market players. Domestic commercial banks need to draw on international practices and make use of their own distinct market advantages as they search for a way to transform their operations in light offintech developments.

关 键 词：金融科技 银行转型 金融创新 

分 类 号：F832[经济管理—金融学]