摘要现在，我们正处于一个科技高速发展的时代。在此背景下，随着金融科技的发展，金融科技对经济的影响日益显著。大数据，区块链，云计算，人工智能等新兴前沿技术的出现对金融市场以及金融服务产生了巨大的影响。科技引领金融，创造时代财富。金融科技的出现，给建设银行贵阳分行带来了机遇，同时也给建设银行贵阳分行带来了挑战。建设银行贵阳分行的金融服务效率与质量，客户资源，同行竞争压力以及信贷业务风险是一个困难严峻的问题。本文通过对建设银行贵阳分行进行实例分析，找出了建设银行贵阳分行信贷业务存在的主要问题，并结合建设银行贵阳分行的实际情况对建设银行贵阳分行银行存在的科技金融人才的缺失、数字化平台尚未构建完成、数据治理还有待改善、线上信贷业务配套制度不健全等方面提出了改进方案设计。从加强对信贷业务金融科技人才的培养、构建清晰的数字化平台、持续优化信贷风控模型等三个方面提出改进建议，并为建设银行贵阳分行信贷业务经营带来借鉴。关键词：金融科技；信贷业务；金融创新AbstractNow,weareinaneraofrapidtechnologicaldevelopment.Inthiscontext,withthedevelopmentoffintech,theimpactoffintechontheeconomyisincreasinglysignificant.Theemergenceofnewfrontiertechnologiessuchasbigdata,blockchain,cloudcomputingandartificialintelligencehashadahugeimpactonthefinancialmarketandfinancialservices.ScienceandtechnologyleadfinanceandcreateswealthofTheTimes.TheemergenceoffintechhasbroughtbothopportunitiesandchallengestoCCBGuiyangBranch.Thefinancialserviceefficiencyandquality,customerresources,peercompetitionpressureandcreditbusinessriskofCCBGuiyangBrancharedifficultandsevereproblems.ThroughthecaseanalysisofGuiyangBranchofChinaConstructionBank,thispaperfindsoutthemainproblemsexistinginthecreditbusinessofGuiyangBranchofChinaConstructionBank,combinedwiththeactualsituationofCCBGuiyangBranch,theimprovementschemedesignisproposedforthelackofscientificandfinancialtalents,theincompleteconstructionofdigitalplatform,datagovernancetobeimproved,andtheimperfectsupportingsystemofonlinecreditbusiness.Suggestionsforimprovementareputforwardfromthreeaspects:strengtheningthecultivationoffinancialtechnologytalentsincreditbusiness,constructingacleardigitalplatformandcontinuouslyoptimizingthecreditriskcontrolmodel,whichcanprovidereferenceforthecreditbusinessoperationofCCBGuiyangBranch.Keywords:Fintech;Creditbusiness;financialinnovation目录摘要...........................................................................................................................................IAbstract.....................................................................................................................................II绪论...........................................................................................................................................11信贷业务及金融科技概述......................................................................................................21.1信贷业务的含义及种类...................................................................................................21.2金融科技概述...................................................................................................................21.2.1区块链技术的应用....................................................................................................21.2.2大数据分析技术的应用............................................................................................31.3金融科技对信贷业务的影响..........................................................
