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                  探讨新金融与商业银行科技创新的新形势

                  时间:2017-11-27 来源:中国市场 作者:任晨晨. 本文字数:3737字

                    摘要:新金融引发了巨大变革, 但本质上未有革新。在经济新常态下, 金融与科技的有机结合, 使得金融服务效率得到较大的提高, 也使得传统银行的服务半径得到延伸。同时, 金融与科技的有机结合对于有效促进科学技术转化成高效生产力、能够扎实服务于实体经济转型攻关、服务于现代化经济体系建设有着极为重要的现实意义与价值。加快推进科技金融战略改革, 推动金融科技应用, 是商业银行当下适应新金融新形势、应对新挑战的迫切需要。

                    GUANJIANCI:XINJINRONG; JINRONGYUKEJI; ZHANLVEGAIGE; KEJICHUANGXIN; SHANGYEYINXINGCHUANGXIN;

                  科技

                    1 发展科技金融战略改革的必然性

                  星云棋牌官网下载   DIYI, XINSHIDAIFUYUXINSHIMING, DANGXIAKEJIXINZEJINRONGCHANG, KEJIYUJINRONGSHIXIUQIYUGONGDEMINGYUNGONGTONGTI, QIANGDAERCHUANGXINDEKEJISHIJINRONGYEKECHIXUFAZHANDEZHICHENGHEHOUDUN, RUGUOSHUOXINJINRONGFAZHANZHELIDIANZAIKEJICHUANGXINSHANG, NEIXINJINRONGFAZHANDECHUXINJIUYINGGAISHIZHICHIKEJICHUANGXIN, JINRONGKEYIJIEZHUKEJIDEFAZHANGENGHAODITUOZHANZISHENDEGUANGDUHESHENDU, KEJIYITUOJINRONGSHIXIANZISHENDESHANGYEMOSHI, CONGERGENGHAOGENGKUAIDIFAZHAN。SHANGYEYINXINGYINGSHANYULIYONGJINRONGKEJIXINLINIAN、XINJISHUWEISHITIJINGJIFUNENG, KUODAFUWUFANWEI, TIGAOKEHUCHUDANENGLI, TISHENGJINRONGGONGJIDUISHITIJINGJIYOUXIAOXUQIUDESHIYINGXINGHELINGHUOXING。DIER, ZAIXINJINRONGDEDABEIJINGXIA, GELEIXINXINGCHANYE, YOUQISHIYIRENGONGZHINENG、YUNJISUAN、DASHUJUHEQUKUAILIANDENGWEIDAIBIAODEXINXINGJISHUZHENGZAISHENKEYINGXIANGZHERENMENDESHENGCHANSHENGHUOYIJIYINXINGYEDEWEILAIFAZHANFANGXIANG。WEISHIXIANZIBENZIYUANDEGAODUKAIFANG, XIANGGUAN“YONGHUTIYANDAOXIANG”“SHUJUQUDONG”DENGXINXINGJINRONGKEJIZHONGZUGONGZUOSHIZAIBIXING。TONGSHIZHEIYESHISHANGYEYINXINGWEIFAZHANKEJIJINRONGDEZHANLVEXINGCHUANGXINGAIGE, WEISHIYINGXINJINRONG、XINXINGSHI、XINTIAOZHANYISHIYINGKEJIJINBUDEYIZHONGBIRANXUYAO。DISAN, SIWEIMOSHIDEZHUANBIANWEIJINRONGKEJIHUAZHURUXINDEJIYIN。BANSUIZHEKEJIDUIJINGJISHENGHUODEQUANMIANSHENTOU, CHUANTONGJINRONGJIGOUYEZHENGBUDUANXIANGCENGJINGDECHUANTONGFUWUZHONGZHURUKEJIHUADE“JIYIN”, TONGSHISHIKEZHUANBIANQUANXINDEFAZHANLINIAN, BUDUANDAPOCHANGGUIDEFAZHANJUXIAN、BUTINGCHANGSHIQUANXINDEKEJIFUWU、GENGXINYIWANGDE“DINGSHIYILAI”。WEILAIDE“JINRONGKEJI”JIANGCHAOYUEJINRONGYUKEJIDEFANCHOU, GAODURONGHEWEIXINXINGCHANYE、YICILAIMANZURENMENRICHANGSHENGHUOZHONGDE“JINRONGFUWUXUQIU”。[1]

                    2 商业银行实行金融科技战略的实质性表现

                  星云棋牌官网下载   2.1 XINSHIDAIZHAOHUANSHANGYEYINXINGGUANCHEGUOJIAZHENGCEDEHEXIN

                    2015NIAN, YUZHENGFUGONGZUOBAOGAONEISHOUCIZHICHULEYOUGUAN“HULIANWANG+”DEDINGYI, ZICIGUONEISHANGYEYINXINGBIANZUNXUNGUOJIAJINGJIFAZHANGUIHUA, QIWANGNENGGOUJINZHUAJINRONGKEJIZHANLVE, JINERTUIDONGZHENGGESHANGYEYINXINGYEDECHUANGXINXINGFAZHANGUOCHENG, BINGJIADAZAICIXIANGCELVESHIZHIXINGBIAOXIANSHANGDEGUANZHUDU。XIANGXISHUOLAI, ZAI《SHISANWUGUOJIAKEJICHUANGXINGUIHUA》ZHONGJIUCENGTICHUGUO:“TUIJINKEJIJINRONGCHANPINHEFUWUCHUANGXINYISHIXUZHENSHIZHUANHUAWEIGUONEISHANGYEYINXINGKECHIXUFAZHANDEZHUNQUEQUSHI。”SHANGYEYINXINGXUYAOCONGZHUGUANTAIDUSHANGJINZHUACIXIANGZHENGCESUOCHUANGZAODEJIHUI, QUANMIANKAICHUANGBINGKUODAGONGSIBENSHENDEJINRONGKEJICHUANGXINLICHENG, LIYONGGENGJIADUOYANGHUADECHUANGXINFANGSHIGAISHANYUJIANQUANJINRONGFUWUTUJING。

                    2.2 XINSHIDAIZHAOHUANSHANGYEYINXINGJIANSHEJINRONGSHENGTAIDEJIANGXIN

                  星云棋牌官网下载   SHANGYEYINXINGYIDINGYAOGENGJIAKEXUEHELIDEYINGYONGQUYUKUAILIAN、DASHUJU、YUNJISUANYURENGONGZHINENGDENGDUOZHONGXIANJINXINGJISHU, SHIDECHUANGXINXINGJINRONGFUWUXITONGDEDAOJINYIBUDESHENGJIYUJINBU。LIZHENGDUIQIXIANYOUDEJIAOYIZHIDUHEZUZHIJIEGOUDENGGEGEFANGMIANSHIXIANJINRONGYETAISHANGDEJINYIBUCHUANGXIN, YIHEMUQIANSHEHUISHANGZAIYINXINGFUWUSHANGDEGAOXIAOXUQIUXIANGFU[2], LINGWAIKAITUOQICHANPINDEJIAOYITUJING, CONGBENZHICHUFAZHUANBIANJINRONGKEJIFAZHANSUOHANYOUDESHUXING。CIWAIHAINENGJIKEHUGONGYINGXIANGYINGZHIHUIJINRONGFUWU, JIANSHEJINRONGHEKEJIDESHENRURONGHEZHILU, CDUANHEBDUANHUXIANGCUJIN, NEIWAIXIANGJIEHEFANGNENGSHIXIANZHIHUISHENGTAI。

                  星云棋牌官网下载   2.3 XINSHIDAIZHAOHUANYUNYUXINJINRONGKEJISHIJIANXIADEJUEXIN

                    DUIJINRONGYELAISHUO, QISHUYUSHUJUMIJIXINGYUYILAIXINGZUIJUDAIBIAOXINGDEXINGYE, SHIJISHANGQISUOYUNYONGHEHENDUOKEJICHENGJIUHENZAOJIUCUNZAI, ERSHANGYEYINXINGJIBENSHANGSHISHOUGEKAISHIDUIJIANZAOKEJIXINXIHUAJINXINGSHIJIANYUCHUANGXINDEQIYE。SUIZHEDASHUJU、YUNJISUAN、QUKUAILIANYUHULIANWANGDENGDUOZHONGJISHUDEFEISUFAZHANYUGENGXINHUANDAI, WEIDANGQIANDEJINRONGKEJIXINSHIQIPEIYULEGENGJIAGAOXIAO、ZHILIANGGENGJIAQIEJIAZHIGENGGAODEXINJINRONGMOSHI, YIKAICHUANGLESHANGYEYINXINGDEQUANXINMOSHI, WEIQITIGONGLEGENGJIAXINXIANDEHUOLI。SHANGYEYINXINGHAIKELIYONGKEJIDEFANGSHIQUANMIANZHINENGYOUHUACHANPINZHENGGEYUNYINGGUOCHENG、TUJINGYUFENGXIANKONGZHIDENG, YICIZENGJIAJINRONGFUWUYUJIAOYICHULIZAIZIDONGHUA、BIANJIEHUASHANGDEPUJICHENGDU, ZHONGXINSUZAOYEWULIUCHENG, SHEZHIQUANXINDEKEHUTIYAN。QIESHITISHENGQIZAISHEHUIZHONGDEHEXINJINGZHENGLI, JIAQIANGQIZAIJINGJISHEHUISHANGDEZHENGWAIBUXING。

                  星云棋牌官网下载   2.4 XINSHIDAIZHAOHUANSHANGYEYINXINGFUWUSHITIJINGJIDECHUXIN

                    YIXINSHIQIWEIJICHU, YIXINSHIMINGLAISHUO, SHANGYEYINXINGZAIJIANSHOUBENXINDETONGSHI, HAIXUZHUIBENSUYUAN, YUNYONGJINRONGKEJIJIUCHUANTONGDEJINRONGFUWUXITONGSHISHIZHINENGHUAGAILIANG, ZHONGXINDAZAOYINXING、XINXIYUXINYUZHONGJIEDEZHUDAOWEIZHI, SHIZHONGDUOSHITIJINGJIKEYIXIANGSHOUDAOHEHUXINYI、ANQUANQIEXIAOLVJIGAODEQUANXINTIYAN。QIYIWEISUOYOUKEHUTIGONGFUWU, JINRONGKEJIDESHIJIJIAZHIGENGWEIPUHUIYUGAOXIAO, QIKEBAFUWUMUBIAOCONGYUANBENDEKEHUQUNTIBIANGENGZHIQUANLIANGKEHU, LIYONGDUOZHONGFANGFABAFUWUFANCHOUKUOZHANDAOYIWANGNANYIJIECHUDAODEKEHU, ZENGJIAZAIJINRONGFUWUSHANGDEPUHUIYUGAOXIAOCHENGDU。QIERZAIYUTUIGUANGQUANQUDAO, YOUXIANSHANGZHIXIANXIA、YOUQIBENSHENBIHUANZHIKAIFANGDENGFANGMIANJINXINGHEZUO, KEHUHEYINXINGDEDUOGECHUDIANYULIANJIEDIANJUNYAOZHUANHUAWEIYUNYINGTUJINGZHONGDEMOSHAO。

                    DANGQIAN, WOGUOCHUANGZAOCHULEBACHUANTONGXINGYEZHONGDEYINXINGYANSHENZHIHULIANWANGPINGTAIYUHENDUOBIEDEQIYEHEZUOMENHUWANGZHANZHIZHONG, SHIKEHUNENGGOUJISHIGANSHOUDAOZAIFUWUJIANSHEYIGEHENQIANGDEXIANDAIHUAJINRONGXITONGSHIJIXUSHANGYEYINXINGTEBIESHIDAXINGSHANGYEYINXINGJIANFUQIGENGWEIZHONGYAODESHEHUIZHIZE, JIXUYINGYONGDAOQUANXINDECHANPINYUJISHUYIZENGJIAZAIJIAOYISHANGDEJINGJIXINGYUGONGKAITOUMINGXING, PEIYANGXINXIDUICHENG、QUANMINSHOUXINDEXINYUXINGSHEHUI, LINGWAIHAIKEYINGYONGGENGWEIZHINENGYUCHUANGXINXINGSHIDEGONGJU、SHOUFA, ZENGQIANGJINRONGXITONGZAIMIANLINDUOGEFENGXIANHETIAOZHANSHIDENENGLIYUDANXING。

                    3 商业银行打造全新的金融科技战略渠道

                  星云棋牌官网下载   3.1 JIAKUAIJIANLI“YIDONGZHIFU”HE“XUNIYINXING”DEBUFA

                    JIANGLAI, SHANGYEYINXINGHECHUANTONGYINXINGZHIJIANBIDINGHUICUNZAIJUDAQUBIE, GUCI, JINYIBUSHENHUAJIANLI“XUNIDEYINXING”, SHIYIDONGZHIFUJISHUCHENGXIANCHUDUOYANGHUA, SHIQINENGGOUSHENRUYOUHUAYONGHUTIYAN, NENGGOUJIJIWEIYONGHUJIANLIBINGTIGONGQUANFANGWEIWULOUDONGDEJINRONGYEWUHEYINLINGJINRONGFUWUXITONG。YINCI, SHANGYEYINXINGBIDINGYAOQUEBAOSUOSOUJIYONGHUXINXIHEXINGWEISHANGDEWANZHENGXING, LIYONGQUANBUTUJINGHECHANPINNEIRONG, BIANXIEYUYANTAOGENGJIASHENKEDEYONGHUTIYANBAOGAO, DIANDINGLEYINXINGYUNJISUANPINGTAIHEDASHUJUXITONGJIANZAOSUOXUSHUJULIUDEYIDINGJICHU。[3]LINGWAI, JIANQUANDIANZIZHIFULIANTIAO、DAZAOXINXINGYINXINGYIDONGZHIFUFANGSHIWEISHANGYEYINXINGZAIQUANXINFAZHANLUSHANGDELINGYIXIANGZHONGYAOCUOSHI, SHANGYEYINXINGYAOJINKENENGBAJIANGLAIDEQUANBUZHIFUYEWUZHUANYIDAOXIANSHANG, JIADAZAICHANGJINGHUAYIDONGZHIFUFANGSHIFAZHANQUSHISHANGDEGUANZHUDU, BINGHEJINRONGKEJIDANGXIAZHENGLIUXINGDEFANGSHIXIANGJIEHE, ZHONGSHIZAIMIANBU、HONGMOSHIBIEYUJIAMISHISUANFASHANGDEYUNYONG, ZAIJIAQIANGYIDONGZHIFUANQUANXINGHEKUAIJIEXINGSHANGDAXIAJICHU。

                  星云棋牌官网下载   3.2 JINYIBUJIADACHUANGJIAN“SHUZIHUAYINXING”DELIDU

                    SHANGYEYINXINGZAIWEILAIFAZHANGUIHUAZHONGXUYAOGENGJIADUODIYUNYONGDICHENGBENQIEGAOXIAOLVDE“SHUZIHUAQUKUAILIAN”DEZIDONGMOSHI, YICILAIYOUHUADANGQIANSHANGYEYINXINGJINRONGYEWUTIXINEIJIAOZHANGDEQIANHOUTAIYEWUBANLILIUCHENG、JIAODUODEYEWUCAOZUOBUZHOUDENGDUOLEIXIANSHIWENTI, TONGSHIYUNYONGQUKUAILIANSHUZILEIXINGKEJIZHIDAOYIJIGOUJIANYINXINGYEWUDONGZUODEXINFANGSHI, JINYIBUSHENRUTUIJINJIANSHE“SHUZIHUAYINXING”YINXINGSHUZIHUAJIANSHE。SHANGYEYINXINGKEYISHIYONGGAIFANGFALAITISHENGYINXINGNEIBUMEIGECENGJIZHIJIANDEHUXIANGLIANXI, TIGAOYINXINGYEWUTONGGUKELIANGZHEJIANDESHUZIHUALIANXIYUHUDONG, ZHEIZHONGYUNZUOLIUCHENGJUNKEYIYOUZHUYUYINXINGJINXINGYEWUDEYOUHUADIAOJIE、DIAOJIEHUOBIJIAGEYIJIANXUJINXINGCHANPINYOUHUAPEIZHIDENG。

                    3.3 SHENRUJIANQUAN“ZHIHUIHUAYINXING”DEFUWUXITONGTIXI

                  星云棋牌官网下载   YIRENGONGZHINENGKEJIWEIGENJIDEZHIHUIHUAYINXINGFUWUXITONGHUIZAIJIANGLAIFAZHANWEIXINSHIDAISHANGYEYINXINGQUANFANGWEIFAZHANDEGUANJIANDIAN, XINGYEYINXINGYAOQIUJIADAYENEIZIYUANDEZHENGHELIDU, QUANFANGWEI、SHENRUDIDUISHUZIHUA、ZHINENGHUAJIANZAOLINGYUJINXINGTANSUO, KAOLVDAOZAIYEWULIUCHENGTIAOJIANXIASUOCHANSHENGDEDUOWEIDUSHEJIZHONGXINGOUZAO, CHUANGXINGENGNENGSHIHEYONGHUYEWUSUOXUBINGKEDACHENGGONGNENGSHISHIZHUANBIANDE“ZHIHUIHUAYINXING”。SUOYI, SHANGYEYINXINGXUYAOQUANFANGWEI、DUOJIAODUDIPUJIZHINENGSHESHI, JIAQIANGJINRONGJISHUDUIYUZHIHUIHUAYINXINGGOUJIANDEZHICHILIDU, JIAQIANGYUTISHENGJINRONGKEJIBEIJINGXIADERENJIJIAOLIUYUHUDONGFANGSHI, YOUHUAJINRONGKEXUEJISHUTIAOJIANXIADERENJIJIAOHUFANGSHI, JIYINXINGJILEICHUDAPIDEYONGHU。

                    3.4 JIADA“XINXIHUAYINXING”DETOUZIJIANSHELIDU

                    BANSUIJINRONGKEJIGUANNIANDEJINYIBUSHENHUA, YINXINGYELIYONGDUOZHONGXINXIHUALUJINGHUOQUSHUJUDEFANGSHIYIZAIZHUBUKUODA。SHOUDAOJISHUCHUANGXINMOSHIDEYINGXIANG, SHANGYEYINXINGBIXUJIASURONGHEYINXINGYEWUCAOZUOGUOCHENGZHONGSUOYONGDAODEDUOZHONGSHUJUZIYUAN, GONGJIGENGYOUZHIDEFUWU, JIASUYINXINGJINRONGFUWULINGYUCONGSHUJUXINXIHUADAOGEXINGHUADEFAZHANTAISHI。

                    TONGSHI, SOUJIBINGZHENGHEYINXINGNEIWAIBUDEDUOZHONGSHUJU, JIANSHEYINXINGDASHUJUCHULIZHONGXIN。ZAINEIBUXINXIJISHUTIXIDEJICHUZHISHANG, JIANGYINXINGNEIBUBUTONGYEWUBUMENSUOBAOHANDEYONGHUGUANXIXINXIJINXINGHEBING, BATONGGUOBUTONGQUDAOJINXINGJIAOYIDEQUANBUYONGHUXINXIZHENGLIZHIHOUZHANKAIGEXIANGSHUJUYANJIUHOU, PAOQIYUANYOUDESHUJUBIANJIE, GUIZHENGYUYINGYONGDAPILIANGDESHEHUIXIANGGUANSHUJU。SHANGYEYINXINGBIXUJIASUGOUJIANHULIANWANGYIJIMEITIDENGYIXILIESHUJUJIANDEGONGXIANGJIZHI, DALITISHENGSHEJIAOWANGLUOYIJIWEIXINHUDONGDENGGEZHONGXINMEITIDEGONGNENG, GUIZHENGDANGXIAGUKEJIANJINXINGJIAOLIUDEFANGSHI, TISHENGTONGGUKEJIANHUDONGHEJIAOLIU, YUNYONGQUANFANGWEIDESHUJULAIPOUXITIANBUYINXINGZAIYUANYOUSHUJUKUSHANGDEGUOYUCHENGXUHUAYIJIGUOYUJIANDANHUADEQUEXIAN。

                    4 结论

                  星云棋牌官网下载   ZONGSHANGSUOSHU, WEILAIZAIKEJIJINRONGDEYINLINGXIA, JINRONGYEBIRANXINGCHENGXINDEJINGYINGYETAI, SHANGYEYINXINGXUYAOJINRONGJISHUWEIQIZHUANBIANJINRONGSHENGTAIGEJU, YEXUYAOJIANSHEXINXINGJINRONGSHENGTAIHUANJING。YINCI, SHANGYEYINXINGHAIXUZAIYIDINGCHENGDUSHANGZHONGXINSHIXIANQINEIBUJINRONGXITONGDEKEXUEZUHE, SHIZHONGJIANCHIJINRONGKEJICHUANGXINDEFAZHANQUSHI, CHUANGZAORENGONGZHINENGHUADEQUANXINXINGJINRONGJUMIAN。

                  星云棋牌官网下载   ZUOWEIXINSHIDAIDEJIANZHENGZHE、QINLIZHEHETUIDONGZHE, WOMENYAOBAWOSHIDAIJIYU, YONGDANSHIDAISHIMING, BINGCHENGSHIDAIJINGSHEN, GONGZHUJINRONGKEJISHENGTAIQUAN, ZAIXINSHIDAIGUOJIAJINGJIJIANSHEZHONGFAHUIGENGDADELISHIXINGZUOYONG, WEIZHICHISHITIJINGJIHEFUWUBAIXINGMINSHENGZUOCHUGENGDADEXINDEGONGXIAN。

                    参考文献
                    [1]巴曙松, 慈庆琪, 郑焕卓.金融科技浪潮下, 银行业如何转型[J].当代金融研究, 2018 (2) :11-12.
                    [2]金玉芳.基于商业银行的科技金融发展现状及创新策略研究[J].经贸实践, 2018 (4) :22.
                    [3]翟迪.互联网+时代网络科技发展对银行业务的推动作用[J].商场现代化, 2018 (2) :23-25.

                    任晨晨.浅谈金融科技创新与商业银行创新发展趋势[J].中国市场,2018(34):36-37.
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