摘要近年来，新兴科技与金融服务的紧密结合，推动了金融科技的发展，在一定程度上冲击了传统金融行业。金融科技是一种技术性推动的金融创新，它的产生和运用使金融体制产生了新的转变，为我国金融发展和商业银行转型提供了新的方式。在金融业与高新科技相互结合、金融科技公司与传统商业银行竞争关系演化的新环境下，本文主要研究商业银行转型升级的问题。作者从商业银行的视角考虑，利用SWOT分析等方法，剖析了商业银行在金融科技背景下所面临的挑战并提出转型策略，给大家提供启发。根据文中的客观研究，作者认为商业银行应当积极主动拥抱金融科技，完成合作共赢。金融科技的迅速发展、对传统商业银行而言是一把双刃剑。商业银行必须抓住金融科技带来的机遇，为商业银行转型升级注入活力。关键词：金融科技，商业银行，转型升级BasicresearchonthetransformationandupgradingofcommercialbanksAbstract：Inrecentyears,theclosecombinationofemergingtechnologiesandfinancialserviceshaspromotedthedevelopmentoffinancialtechnologyandimpactedthetraditionalfinancialindustrytoacertainextent.Financialtechnologyisakindoffinancialinnovationpromotedbytechnology.It’semergenceandapplicationhavebroughtnewchangestothefinancialsystemandprovidedanewwayforChina'sfinancialdevelopmentandthetransformationofcommercialbanks.Thispapermainlystudiestherelationshipbetweenthetransformationandupgradingofhigh-techbankingandfinancialcompaniesinthenewenvironment.Fromtheperspectiveofcommercialbanks,usingSWOTanalysisandothermethods,theauthoranalyzesthechallengesfacedbycommercialbanksunderthebackgroundoffinancialtechnology,andputsforwardtransformationstrategiestoprovideinspirationforeveryone.Accordingtothescientificresearchinthispaper,theauthorbelievesthatcommercialbanksshouldactivelyembracefinancialtechnologyandachievewin-wincooperation.Therapiddevelopmentoffinancialtechnologyisadouble-edgedswordfortraditionalcommercialbanks.Commercialbanksmustseizetheopportunitiesbroughtbyfinancialtechnologyandinjectvitalityintothetransformationandupgradingofcommercialbanks.Keywords:Financialtechnology,Commercialbanks,Transformationandupgrading目录一、引言....................................................................1二、相关概念概述............................................................1（一）金融科技的定义........................................................1（二）金融科技的特点........................................................1（三）商业银行转型升级......................................................2三、金融科技对商业银行的影响................................................2（一）传统运营模式被撼动....................................................2（二）经营环境的重构........................................................21.金融科技的发展更改了市场消费支付的环境....................................22.金融科技的发展更改了传统的金融市场竞争布局...............................33.金融科技的发展倒逼商业银行提升服务质量和改善服务环境.....................3（三）金融中介职能被弱化....................................................3（四）盈利空间被挤压........................................................31.对商业银行负债业务的危害..................................................32.对商业银行资产业务的危害.................................................43.对商业银行中间业务的危害.................................................4四、金融科技背景下商业银行转型升级SWOT分析................................4（一）优势分析...................................................
