I摘 要随着互联网技术、大数据技术、云计算技术、人工智能技术的飞速发展，科技与金融的联系也日益密切，传统金融正经历着一个变革和创新发展的新时期。近些年，国内外开始探索发展一种利用开发 API 技术，让提供商访问客户财务信息的安全方式的开放银行（Open Banking）。开放银行概念的提出，对传统商业银行来说，既是一个新的挑战，又是一个新的机遇。商业银行必须主动地转变经营思维才能适应时代发展，才能在激烈的行业竞争中存活下来。本文通过国内外目前在无界开放银行与传统商业银行的比较研究，展现无界开放银行和传统商业银行的理论内涵，以及就现阶段国外开放银行的发展实践路径与国内开放银行的创新发展的发展现状进行分析。对无界开放银行与传统商业银行，在技术层面上、经营模式上进行比较分析，进一步突出无界开放银行的优势。在结合最新法律法规和监管政策研究上，提出无界开放银行在我国发展在法律合规性上、数据保护上的建议措施，以及传统商业银行如何在此变革中顺利转型的问题。关键词：无界开放银行；传统商业银行；转型升级IIAbstractWith the rapid development of Internet technology, big data technology, cloud computing technology, and artificial intelligence technology, the connection between science and technology is becoming closer and closer, and traditional finance is experiencing a new period of reform and innovation. In recent years, domestic and foreign countries have begun exploring the development of an Open Banking that uses a developed API technology to allow providers to access customer financial information in a secure manner. The concept of Open Banking is not only a new challenge but also a new opportunity for traditional commercial banks. Commercial banks must actively change their business thinking in order to adapt to the development of the times and survive in the fierce competition in the industry. This paper presents the theoretical connotation of Open Banking and traditional commercial banks through a comparative study of Open Banking and traditional com...
