商业银行互联网金融科技

本科论文摘 要伴随着我国经济社会的发展各行业都在贴近互联网的过程中不断创新发展，而金融行业中占据重要地位的商业银行也面临着转型的问题，在当下金融科技迅速发展的大环境下，如何借鉴前人经验的同时看向未来长远发展是商业银行转型的关键。本文主要分析当前金融科技技术的发展，并以兴业银行金融理财产品“兴业宝”为主要分析对象，分析当前金融科技背景下商业银行受到的影响。同时简要提出商业银行转型的策略，以此为我国金融经济、商业银行的稳定发展来助力。关键词：商业银行，互联网，金融科技本科论文AbstractWith the development of China's economic and social sectors are close to the innovation in the process of development of the Internet, and occupy the important position of commercial Banks in the financial industry is faced with the problem of transition, in the present financial environment of the rapid development of the science and technology, how to use for reference the experience of predecessors and look to the future long-term development is the key to the transformation of commercial Banks. This paper mainly analyzes the development of current financial technology, and takes the financial product "XingYe bao" of industrial bank as the main object of analysis to analyze the impact on commercial Banks under the background of current financial technology. At the same time, it briefly puts forward the transformation strategy of commercial Banks, so as to facilitate the stable development of China's financial economy and commercial Banks.Key words: Commercial Bank, Internet, financial technology本科论文目 录前 言....................................................................11.金融科技背景下商业银行的发展现状........................................21.1 互联网金融的发展背景...............................................21.2 金融科技概述.......................................................21.3 商业银行的发展现状.................