[1]史真真.金融科技赋能中小商业银行转型升级的策略研究[J].金融教育研究,2019,(05):34-40.
　SHI Zhenzhen.Research on the strategy of Financial Technology Empowering Transformation and Upgrading of Small and Medium Commercial Banks[J].,2019,(05):34-40.
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金融科技赋能中小商业银行转型升级的策略研究()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2019年05期
页码:
34-40
栏目:
出版日期:
2019-10-10

文章信息/Info

Title:
Research on the strategy of Financial Technology Empowering Transformation and Upgrading of Small and Medium Commercial Banks
文章编号:
2095-0098(2019)05-0034-07
作者:
史真真
浙江金融职业学院,浙江 杭州 310018
Author(s):
SHI Zhenzhen
Zhejiang Financial College,Hangzhou,Zhejiang 310018
关键词:
金融科技;  中小商业银行;  转型升级;  组合拳
Keywords:
Financial technology;  Small and medium commercial banks;  Transformation and upgrading;  Combined boxing
分类号:
F832
文献标志码:
A
摘要:
近年来,金融科技的产生及爆炸式发展,对我国商业银行尤其是中小商业银行产生越来越大的冲击和挑战。为了更好地促进中小商业银行借助金融科技实现转型升级,契合国家消费升级和“大众创业、万众创新”的时代洪流,从内外部环境分析了在金融科技演进背景下中小商业银行转型升级的必要性,进一步从内部动力和外部赋能两个角度提出借力金融科技实施转型升级是切实可行的。中小商业银行应践行开放、合作、融合的理念实现共赢,针对其在转型升级过程中可能出现的三个层面潜在风险,结合SWOT分析,创新性地提出政府、中小商业银行金融主体及相关方应打好“低准入+严监管”组合拳、“心态+业态”组合拳、“传统金融+科技金融”组合拳、“共享+安全”组合拳的应对策略。
Abstract:
In recent years,the emergence and explosive development of financial technology have explosive effects and challenges on China’s commercial banks,especially small and medium commercial banks.In order to better promote the transformation and upgrading of small and medium-sized commercial banks by means of financial technology,correspond to The era of national consumption upgrading and “mass entrepreneurship and innovation”,The necessity of transformation and upgrading of small and medium commercial banks under the background of financial technology evolution is analyzed from inside and outside environment,it is feasible to make use of financial technology to carry out transformation and upgrading from the perspective of internal power and external empowerment.Small and medium commercial banks should implement the concept of openness,cooperation and integration to achieve win-win,in opposition to potential risks form three levels in the process of transformation and upgrading,combining SWOT analysis,it is innovatively proposed that the financial entities and relevant parties of small and medium commercial banks should play a good combination boxing of “Low access + strict supervision”、 “Mentality + type of operation”、 “Traditional finance + technology finance”、 “Sharing + security”.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2018-08-31基金项目:浙江省教育基金会项目“金融科技的演进对浙江省中小商业银行转型升级的影响与对策研究”(2017D17)作者简介:史真真(1983-),女,河南巩义人,硕士,讲师,研究方向为金融科技和商业银行。
更新日期/Last Update: 2019-10-10