金融科技背景下商业银行经营策略研究
Research on the Operation Strategy of Commercial Banks under the Background of Fintech

随着经济体制改革的纵深推进和金融领域的全面发展，新兴科技与金融服务深度结合，已成为促进金融业全面转型升级的重要推动力量，它对传统商业银行的经营模式产生了巨大的冲击和影响。在这种背景下，商业银行如何通过主动转型来应对金融科技带来的现实挑战，成为了亟待重点研究的问题。针对这个问题，本文从金融科技的概念及优势出发，结合我国金融科技发展的现状以及金融科技对商业银行发展的影响，由此为商业银行的转型方向和策略提出建议，探索商业银行的新型经营之道。
With the deepening of the economic system reform and the comprehensive development of the financial sector, emerging technology and financial services have become an important driving force to promote the comprehensive transformation and upgrading of the financial industry, which has a huge impact on the traditional commercial bank’s business model. In this context, how commercial banks cope with the practical challenges brought by fintech through active transformation has become an urgent issue to be studied. In view of this problem, this paper starts from the concept and advantages of fintech, combines the current situation of fintech development in China and the influence of fintech on the development of commercial banks, thus puts forward suggestions for the transformation direction and strategy of commercial banks, and explores new ways of operation of commercial banks.