摘要
金融科技的快速发展和广泛应用,对商业银行的发展产生深层次影响,催生了商业银行业态的创新。在商业银行整体服务运营的内容及方式发生了较大转变、金融服务的效率得到优化和改善的同时,商业银行也面临着全新的挑战。商业银行应依托金融科技,在移动支付、数字银行和智慧化银行服务体系等方面创新发展,提高竞争力,更好地发挥金融服务促进经济社会发展的作用。
The rapid development and wide application of financial technology have a deep impact on the development of commercial banks, which has given birth to the innovation system of commercial banks.While the content and mode of the overall service operation have changed greatly and the efficiency of financial services has been optimized and improved, commercial banks are facing the new challenges. Commercial banks should rely on financial technology to innovate and develop in mobile payment, digital banking and intelligent banking service system, improve competitive power, and better play the role of financial services in promoting economic and social development.
作者
张文娟
ZHANG Wen-juan(School of Finance,Changchun Finance College,Changchun 130028,China;Jilin Provincial Inclusive Finance Research Center,Changchun 130028,China)
出处
《长春金融高等专科学校学报》
2020年第4期26-30,共5页
Journal of Changchun Finance College
基金
吉林省金融文化研究中心项目(2017PT05)
吉林省科技金融研究中心项目(JZSJPT2020009)。
关键词
金融科技
商业银行
创新
发展趋势
financial technology
commercial bank
innovation
development trend
作者简介
张文娟(1980-),女,辽宁葫芦岛人,长春金融高等专科学校金融学院副教授,经济学硕士,研究方向:金融学。
