金融科技赋能商业银行发展普惠金融问题研究  

Research on Fintech Enabling Commercial Banks to Develop Inclusive Finance

作　　者：中国人民银行白山市中心支行课题组 崔学敏[1] 肖庆伟[1] 杜海娇[1] The Research Group of Baishan Branch of the People's Bank of China

机构地区：[1]中国人民银行白山市中心支行,吉林白山134300

出　　处：《吉林金融研究》2019年第12期49-53,共5页Journal of Jilin Financial Research

摘　　要：近几年,金融科技蓬勃发展,商业银行所处的环境发生了巨大变化。金融科技以技术驱动带来创新理念,为金融支持实体经济发展带来新的机遇与挑战。在这种形势下,商业银行作为传统金融机构应主动对接和应用金融科技,因地制宜地将金融科技融入普惠金融供给实践中。商业银行借助金融科技对金融业务进行改革创新是转型突破的必经之路。本文旨在探讨如何以金融科技赋能金融产业,为商业银行的发展注入崭新活力,切实践行金融服务实体经济的战略方针。In recent years,with the booming development of fintech,the environment in which commercial Banks are located has changed dramatically.Fintech brings innovative ideas driven by technology and brings new opportunities and challenges for finance to support the development of real economy.In this situation,commercial Banks,as traditional financial institutions,should take the initiative to connect with and apply fintech,and integrate fintech into inclusive finance supply practice according to local conditions.It is the only way for commercial Banks to reform and innovate financial services with the help of fintech.This paper aims to explore how to use fintech to empower the financial industry,inject new vitality into the development of commercial Banks,and practically implement the strategic policy of financial services to the real economy.

关 键 词：金融科技 商业银行 普惠金融 

分 类 号：F830[经济管理—金融学]