摘要
近年来,金融与科技的融合深刻地改变了商业银行的经营模式,打造社区金融生态圈成为商业银行转变发展方式、应对金融科技冲击的一个重要方向。论文首先分析了商业银行社区金融生态圈的含义和驱动因素,并根据基础设施和构建路径的不同对社区金融生态圈的代表性构建模式进行了归纳总结。现阶段商业银行构建社区金融生态圈在渠道整合、产品规划、营销策略、风险防控等方面仍然存在一些问题,最后针对上述问题提出了相应的政策建议。
In recent years,the integration of finance and technology has deeply changed the business model of commercial banks.Constructing a community financial ecosystem has become an important direction for the transformation of commercial banks to deal with the impact of financial technology.The paper firstly analyses the meaning and driving factors of a community financial ecosystem for commercial banks,and then summarizes the typical mode for commercial banks to construct a community financial ecosystem based on its infrastructure and construction path.This paper also analyses the problems in the construction of community financial ecosystem for commercial banks,including channel integration,product design,marketing strategy,risk management,etc.We discuss the policy implications in the last part.
作者
魏林茜
李广子
WEI Lin-qian;LI Guang-zi
出处
《农村金融研究》
2022年第1期59-68,共10页
Rural Finance Research
基金
国家社会科学基金项目“大数据时代科技与金融融合及风险管控研究”(编号:18BJY250)的资助。
关键词
商业银行
金融科技
社区金融生态圈
Commercial Bank
Fintech
Community Financial Ecosystem
