金融科技对商业银行的冲击及对策研究  

Research on the Countermeasure And the Impact of Financial Technology on Commercial Banking

作　　者：邓楠 DENG Nan(Agricultural Bank of China Shenzhen Branch,518100,Shenzhen,Guangdong,China)

机构地区：[1]中国农业银行股份有限公司深圳市分行,广东深圳518100

出　　处：《特区经济》2023年第1期29-33,共5页Special Zone Economy

摘　　要：近年来金融科技正在以大数据化、人工智能化、数字化的发展趋势改变金融行业秩序。商业银行作为金融系统中的重要组成部分,在此趋势的影响下面临着诸多挑战和机遇,商业银行的负债业务、资产业务和中间业务的市场占有率均被互联网金融科技企业挤占。商业银行存在业务创新度不高、金融体系落后等问题,数字经济时代下科学技术的发展已投影在金融领域的方方面面,在此背景下,本文研究金融科技对我国商业银行三大主营业务的影响及相应对策,希望对我国商业银行加快与金融科技的有机融合、提升自身竞争力带来一定帮助,最终使金融科技成为我国商业银行转型升级的驱动器。In recent years,financial technology is changing the order of the financial industry with the development trend of big data,artificial intelligence,and digitization.As an important part of the financial system,commercial banks are facing many challenges and opportunities under the influence of this trend.The market share of commercial banks’debt business,asset business and intermediary business are all squeezed by Internet financial technology companies.Commercial banks have problems such as low business innovation and backward financial systems.The development of science and technology in the digital economy era has been projected in all aspects of the financial field.In this context,this article studies the impact of financial technology on the three major businesses of commercial banks in my country.Corresponding countermeasures are hoped to help my country’s commercial banks to accelerate their organic integration with financial technology and enhance their competitiveness,so that financial technology can become a booster for the transformation and upgrading of my country’s commercial banks.

关 键 词：金融科技 商业银行 互联网金融 

分 类 号：F832.0[经济管理—金融学]