摘要：本文简要介绍了金融科技创新日新月异的时代下，商业银行的现状及金融科技为商业银行带来的正面及负面影响。商业银行应如何面对该时代下的机遇与挑战，金融脱媒加剧，新兴金融服务机构与商业银行的竞争加剧，管理运营受到挑战；是否应该整改创新，缩小优化线下网点规模，创新网点服务，提升客户满意度，加强客户粘性和客户引流；在革新的同时需注意潜在的风险，加强风控系统的建立，与相关人才的培养。除此之外，因个体行业规模的差距对金融服务规模与服务对象体量的影响，本文重点讨论了中小型银行与大型银行在应对金融科技方法上的区别，并研究了金融科技发展之下大型银行可能对中小型银行产生的挤兑作用。

关键词：金融科技；商业银行；挤兑作用

 

目 录

摘 要

Abstract

1.  Introduction-1

2.  Literature review-2

3.  Current situation of commercial banks-4

4.  The influence of fintech on commercial banks-6

4.1 The negative influence-6

4.1.1 Financial disintermediation intensified-6

4.1.2 Industry competition intensified-7

4.1.3 Operational management is challenged-7

4.2 Opportunities offered by fintech for commercial banks-8

4.2.1 The opportunities for improving the data analysis and processing system-8

4.2.2 The opportunities of optimizing organizational structures and business process-9

4.2.3 The opportunities of accelerating innovation in the business and products-9

5. The transformation strategy of commercial banks under the background of fintech-11

5.1 Banking outlets transformation and characteristic banks-11

5.2 Internal research and development and establishing a fintech subsidiary-16

5.3 Strengthen the cooperation with fintech companies-17

5.4 Promote IT architecture transformation, cultivate and introduce innovative talents.-19

6. The market crowding out effect of large banks on small and medium-sized banks.-22

7. Conclusion and suggestions-25

References-28

Acknowledgements