金融科技对中国城市商业银行竞争力的影响分析  

Analysis of the Impact of Financial Technology on the Competitiveness of China's Urban Commercial Banks

作　　者：于佳敏 张玉明[1] YU Jia-min;ZHANG Yu-ming(Bohai University,Jinzhou,Liaoning 121013)

机构地区：[1]渤海大学,辽宁锦州121013

出　　处：《江苏商论》2023年第3期92-94,共3页Jiangsu Commercial Forum

摘　　要：随着中国经济的不断发展,银行体系的不断完善,城市商业银行已成为中国银行体系十分重要的组成部分。与此同时,金融科技的发展进入新的阶段,云计算、区块链、大数据等技术在金融体系中的应用不断深化。利用SWOT的分析方法可以发现,在金融科技变革的大环境下,城商行相对于金融科技企业或机构具有更高的信用水平,存在本地优势和时效优势,但也存在业务模式过于传统化的劣势。此外,金融科技的发展为城商行带来了中间业务规模扩大、信息利用效率及服务水平提高的机遇并且对城商行的传统业务和盈利能力产生了威胁。因此,城市商业银行要充分抓住金融科技带来的优势和机遇,弱化劣势和威胁,从而提升自身的竞争力。With the continuous development of China's economy and the continuous improvement of the banking system,urban commercial banks have become a very important part of China's banking system.At the same time,the development of financial technology has entered a new stage,and the application of cloud computing,blockchain,big data and other technologies in the financial system is deepening.Using the SWOT analysis method,we can find that in the context of financial technology reform,urban commercial banks have a higher credit level compared with financial technology enterprises or institutions,and have local advantages and timeliness advantages,but there are also disadvantages of over-traditional business models.In addition,the development of financial technology has brought opportunities for urban commercial banks to expand the scale of intermediary business,improve the efficiency of information utilization and service level,and has threatened the traditional business and profitability of urban commercial banks.Therefore,urban commercial banks should fully seize the advantages and opportunities brought by financial technology,weaken the disadvantages and threats,and improve their competitiveness.

关 键 词：金融科技 城市商业银行 SWOT 

分 类 号：F830[经济管理—金融学]