金融科技商业银行数字化战略

本科论文摘 要以大数据、人工智能、云计算为代表的第四次信息革命正在进行，这些科技的出现打破了科技同其他领域的界限，金融科技就是其中的典型代表。金融科技是金融和科技智能化融合的产物，它颠覆了传统金融行业的竞争格局，给商业银行的生存和发展带来了严峻的挑战。及时有效地实现数字化战略转型成为了商业银行所要面对的课题。本文通过研究金融科技自身的技术特点，分析其发展的历史过程，判断金融科技的未来发展趋势，更加宏观的了解金融科技本身，分析出金融科技对商业银行的影响。通过对金融科技多维度的了解，论述了商业银行数字化战略转型的背景、痛点、方向，以此实现商业银行数字化战略转型的成功。关键字：金融科技，商业银行，数字化战略 本科论文AbstractThe fourth information revolution, represented by big data, artificial intelligence and cloud computing, is under way. The emergence of these technologies has broken the boundaries between technology and other fields, and financial technology is a typical representative. Financial technology is the product of the integration of Finance and technology intelligence. It has subverted the competition pattern of traditional financial industry and brought severe challenges to the survival and development of commercial banks. To realize the digital strategic transformation in time and effectively has become a subject that commercial banks have to face.This paper analyzes the technological characteristics of financial science and technology, the historical process of its development, the future development trend of financial science and technology, a more macro understanding of financial science and technology itself, and analyzes the impact of financial science and technology on commercial banks. Through the multi-dimensional understanding of financial technology, understand the background, pain point and direction of digital strategic transformation of commercial banks, so as to achieve the su...