摘要
伴随着金融科技发展大潮流,许多新型金融科技产品已逐渐融入到人们的生活。第三方支付平台挤占商业银行支付结算业务规模,P2P网贷平台侵蚀商业银行信贷资产规模,互联网理财产品抢占大量商业银行客户,面对这些冲击,我国商业银行积极探索与金融科技融合新模式,寻求新的利润增长点。文章首先对金融科技进行简要概述,其次分析金融科技的产生对商业银行的冲击,最后在结合我国目前商业银行与金融科技的合作的背景下,探索了商业银行借助金融科技实现转型的渠道。
With the development of financial technology,many new types of fintech products have been gradually integrated into people's life.Third-party payment platforms have squeezed the scale of commercial banks'payment and settlement business,P2P lending platforms have eroded the scale of commercial banks'credit assets,and Internet wealth management products have seized many customers of commercial banks.In the face of these challenges,China's commercial banks actively explore new models of integrating with financial technology and seek new profit growth points.The article first briefly outlines financial technology,analyzes the impact of the emergence of financial technology on commercial banks,and finally explores the transformation channels of commercial banks using financial technology in the context of the current cooperation between commercial banks and financial technology in China.
作者
贾玲俊
Jia Lingjun(Shanxi Vocational University of Engineering Science and Technology,Jinzhong Shanxi 030619)
出处
《山东纺织经济》
2023年第9期31-34,共4页
Shandong Textile Economy
关键词
金融科技
商业银行
冲击
转型
financial technology
commercial banks
impact
transformation
