| 摘要: |
| 基于当前传统金融到互联网金融，再向科技与金融融合转变的发展情形，以银行业为主要切入点，对比金融科技和科技金融的内涵和运营方式的不同，并通过人工智能、区块链、云计算、大数据这四类金融科技在银行业的具体应用，分析四类金融科技具体对接银行业某一业务的实际案例，分析其案例的成功经验，同时提出金融科技在银行业的不足之处，提出下步创新与风险、成本与收益、技术与人才这三方面的应用建议,推动银行业高质量的发展。 |
| 关键词: 金融科技； 银行业；ABCD技术应用 |
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| Application of FinTech in Banking |
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jintongtong
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| Abstract: |
| Based on the current development situation from traditional finance to the Internet finance and then to the integration of technology and finance, this paper takes the banking as the main entry point and compares the difference of financial technology and the technological finance in connotation and operational methods. Through the application of the four types of fintech including Artificial Intelligence、Blockchain、Cloud Computing、Big Date in the banking, it introduces the actual case of the application of the four types of fintech in specific business of the banking, analyzes the successful experience of the case, points out the deficiency of fintech in the banking , puts forward next-step application suggestions in three aspects including innovation and risks, costs and benefits, technologies and talents so as promote the high-quality development of banking. |
| Key words: FinTech;Banking ; ABCD technology application |
