| 摘要: |
| 近年来，商业银行面临的经营环境有了显著变化，金融业竞争加剧、金融需求多 元化、综合经营步伐加快，对商业银行利润持续增长提出挑战。在金融科技的浪潮下，银行 业要充分利用金融科技（Fintech）所带来的机遇，依托大数据、云计算、区块链、人工智能等 新技术，创新服务方式和流程，整合传统服务资源，联动线上线下优势，充分的结合互联网技 术、利用互联网思维进行转型，以提升整个银行业资源配置效率。 |
| 关键词: 银行业；金融科技；转型升级 |
| DOI： |
| 分类号:F833 |
| 基金项目: |
|
| In the Wave of Fintech, How to Transform the Banking Industry |
|
Ba Shusong Ci Qingqi Zheng Huanzhuo1,2
|
|
1.College of Finance，University of International Business and Economics;2.First Capital
|
| Abstract: |
| In recent years, the operation environment of commercial banks experienced significant changes. Enhancing competition in the financial sector, diversified financial demands and accelerating pace of integrated financial services posed a challenge to commercial banks on sustainable growth of profits. In the wave of Fintech， the banking sector should take advantage of the opportunities from Fintech. Supported by big data, cloud computing, block chain , artificial intelligence and other new technology, the banking sector can innovate service mode and process,integrate traditional service resource，with the combination of Internet technology and Internet thinking to improve the efficiency of the resource allocation in the banking industry. |
| Key words: Banking Industry; Fintech; Transformation |
