摘要
现阶段,我国商业银行经营环境面临信贷经营风险、金融风险上升并不断显性化等一系列问题,银行业金融机构净利润增速放缓,不良资产及拨备压力增大,传统"存贷汇"业务亟需转型。在此背景下,金融科技赋能商业银行进行数字化转型势在必行。目前,全球金融科技行业整体发展态势较好,中国金融科技发展依然处于领先地位,因此,系统地了解金融科技,厘清金融科技赋能商业银行发展历程,比照海外先进银行金融科技布局的政策、典型路径,总结经验,为我国金融科技赋能商业银行提供对策建议具有重要意义。
At present,the business environment of commercial banks in China is facing a series of problems,such as credit operation risk and financial risk rising and all of these problems are becoming increasingly explicit.The growth of net profit of financial institutions in the banking industry is slowing down,the pressure of non-performing assets and provision is increasing,and the traditional"deposit and loan remittance"business needs to be transformed.In this context,it is imperative for financial technology to empower commercial banks to carry out digital transformation.At present,the overall development trend of the global financial science and technology industry went well,and China’s financial science and technology development is still in a leading position.By introducing the meaning of financial science and technology,clarifying the development process of financial science and technology enabled commercial banks,comparing with the policies and typical paths of overseas advanced banks’financial science and technology layout,summing up experience,providing countermeasures and suggestions for China’s financial science and technology enabled commercial banks.
作者
王帅
付馨瑶
WANG Shuai;FU Xin-yao(School of International Education,Changchun Finance College,Changchun 130028,China;Jilin Science and Technology Financial Research Center,Changchun 130028,China;School of Public Management,Northeast University of Finance and Economics,Dalian 116041,China)
出处
《长春金融高等专科学校学报》
2020年第1期44-48,共5页
Journal of Changchun Finance College
基金
吉林省科技金融研究中心基地项目(JZSJPT2020009).
关键词
商业银行
金融科技
赋能
国内外
commercial bank
financial technology
empowerment
domestic and foreign
作者简介
王帅(1984-),女,满族,吉林白山人,长春金融高等专科学校国际教育学院副教授,研究方向:金融科技;付馨瑶(1993-),女,吉林辽源人,东北财经大学公共管理学院2018级MPA研究生。
