摘要近年来，在金融科技飞速发展的背景下，金融科技与传统网点快速融合，使得商业银行传统网点发展面临诸多问题。而作为未来银行业发展必然趋势，且在为不同用户提供丰富的金融产品以及良好的服务时，我国商业银行网点也应顺应时代趋势，总结发达国家商业银行智慧网点转型经验，积极采取相应措施加快商业银行网点智能化转型进程，从金融科技应用与转化、风险管理体系、智能机具分流、综合金融服务方面进行深层次改革，以更好地应对新时代下的挑战，逐渐形成各商业银行网点优势并提升自身竞争力。本文以工商银行郑州分行为例，通过访谈的形式对该地工商银行郑州分行的工作人员进行采访，从而聚焦金融科技发展给商业银行网点转型带来的影响，以分析当前该银行网点转型的现状以及必要性。首先，本文主要介绍了金融科技的概念、特点以及商业银行网点转型的意义；其次介绍了此次访谈的内容以及结果；之后根据访谈结果进而分析工商银行郑州分行当前网点转型的现状；最后主要针对郑州分行网点转型的现状提出相应的对策，从而提升商业银行整体核心竞争力。关键词：金融科技；网点转型；智能化AbstractInrecentyears,underthebackgroundoftherapiddevelopmentoffinancialtechnology,therapidintegrationoffinancialtechnologyandtraditionaloutletsmakesthedevelopmentoftraditionaloutletsofcommercialbanksfacemanyproblems.Astheinevitabletrendofthefuturedevelopmentofthebankingindustry,andwhenprovidingrichfinancialproductsandgoodservicesfordifferentusers,China'scommercialbankoutletsshouldalsocomplywiththetrendofthetimes,summarizethetransformationexperienceofsmartoutletsofcommercialbanksindevelopedcountries,andactivelytakecorrespondingmeasurestospeeduptheintelligenttransformationprocessofcommercialbankoutlets,fromtheapplicationandtransformationoffinancialtechnology,riskmanagementsystem,thediversionofintelligentmachinesandtoolsCarryoutin-depthreformincomprehensivefinancialservicestobettermeetthechallengesofthenewera,graduallyformthenetworkadvantagesofcommercialbanksandimprovetheircompetitiveness.TakingZhengzhoubranchofindustrialandCommercialBankofChinaasanexample,thispaperinterviewedthestaffofZhengzhoubranchofindustrialandCommercialBankofChinaintheformofinterview,soastofocusontheimpactofthedevelopmentoffinancialtechnologyonthenetworktransformationofcommercialbanks,soastoanalyzethecurrentsituationandnecessityofthenetworktransformationofthebank.Firstly,thispapermainlyintroducestheconceptandcharacteristicsoffinancialtechnologyandtheconnotationandnecessityofnetworktransformationofcommercialbanks;Secondly,itintroducesthecontentandresultsoftheinterview;Then,accordingtotheinterviewresults,itanalyzesthecurrentsituationofnetworktransformationofICBCZhengzhoubranch;Finally,itmainlyputsforwardcorrespondingcountermeasuresforthecurrentsituationofnetworktransformationofZhengzhoubranch,soastoimprovetheoverallcorecompetitivenessofcommercialbanks.Keywords:FinancialTechnology;NetworkTransformation;Intellectualization目录摘要...............................................................................................................................IAbstract........................................................................................................................II绪论..............................................................................................................................11金融科技背景及商业银行网点转型概述.................................................................21.1金融科技的概念....................................................................................
