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英国Paper代写:The impact of fintech on the development of commercial Banks

2019-09-30 | 来源:51Due教员组 | 类别:Paper代写范文

下面为大家整理一篇优秀的paper代写范文- The impact of fintech on the development of commercial Banks,供大家参考学习,这篇论文讨论了金融科技对商业银行发展的影响。在金融科技领域下,商业银行为客户提供的产品具有不同于传统金融产品的鲜明特点,。就银行基本产品而言,借由金融科技的发展,顾客可以直接在第三方支付软件中享受投资、理财、储蓄、贷款等服务,且第三方支付平台中的储蓄利率较银行储蓄利率更高、贷款利率较银行贷款利率更低,能够让客户享用到更加优质的金融产品。另外,商业银行服务是银行企业通过提供金融产品和相关业务来满足顾客对金融产品需求的活动,是银行的主要业务。

With the continuous development of information technology, the combination of the Internet and the financial industry has become increasingly close. With the support of financial technology, a series of financial products gradually appeared, which greatly promoted the innovation of the development model of commercial Banks. The concept of fintech has different meanings in different countries at home and abroad. As far as China is concerned, fintech mainly refers to the Internet financial technology represented by third-party payment and P2P online loan enterprises.

In recent years, the development of fintech has added a lot of impetus to the social economy and brought about considerable changes to people's lives. Take the third-party payment software as an example, the birth of the third-party payment software has greatly changed people's payment habits, improved the payment efficiency, and brought a lot of convenience to life. As far as commercial Banks are concerned, the innovation of fintech promotes the innovation of commercial Banks' development mode from the aspects of products and services.

According to the official interpretation, fintech is a financial innovation technology that can generate new business models, applications, processes or products, thus having a significant impact on financial markets, financial institutions and the way financial services are provided. The development of fintech first started in the United States. As far as the United States is concerned, fintech covers mobile payment, wealth management and online lending. In recent years, with the continuous development of "Internet finance" and the strong support of government policies, China's financial technology, which is represented by third-party payment and online loan, has also shown a trend of vigorous development. In short, the technologies we usually talk about such as artificial intelligence, big data, security/biometrics, blockchain and cloud computing belong to the category of fintech. The financial industry has the characteristics of large amount of information, involving many aspects and frequent transactions, which requires it to have a high degree of confidentiality and security. With the help of big data and cloud computing technologies, financial enterprises can provide more accurate and fast services for customers. With the help of artificial intelligence technologies, financial enterprises can also improve the intelligence level of financial operations and the comfort level of user experience. It can be said that fintech has subverted the traditional financial business model, brought technological innovation and commercial transformation of the financial industry, and provided guidance for the future strategic development of financial institutions.

Traditional commercial bank products mainly include core products, basic products and extension products. The core product refers to the product provided by the bank to the customer that can meet the specific financial needs and investment returns of the customer, which is mainly to meet the specific needs of the customer and has special economic significance. Basic products are the basic components of bank products. They can provide customers with the most basic banking services, such as deposits and loans. Epitaxial products refer to the products that Banks provide to customers with the functions of expansion and overvalue. They are the optimized business of financial products and can provide comprehensive supporting services for customers' financial problems. In the field of fintech, the products provided by commercial Banks to customers have distinct characteristics different from traditional financial products, such as electronic, remote and virtual banking products. In terms of bank basic product, by the development of financial technology, customers can directly paid by a third party software to enjoy the services such as investment, financing, savings, loans, and the third party payment platform of savings interest rates higher than bank deposit rates, lower loan interest rate the bank loan interest rates, can let the customer enjoy more high quality financial products.

Commercial banking service is an activity that banking enterprises provide financial products and related services to meet customers' demands for financial products. It is the main business of Banks. The benefits brought by the services provided by commercial Banks to customers are usually intangible, that is, the service benefits obtained by bank staff after handling relevant business for customers are delayed and implicit. In the era when financial technology is not developed, customers need to wait in line in the physical bank place to enjoy the services provided by the bank, and then complete a series of complicated service processes such as information filling, signature and verification, which has caused a certain degree of waste of customers' time. With the gradual development of financial technology, the traditional service mode of on-site operation by both parties has been changed. Customers can enjoy real-time online services by using mobile phones, computers and other network devices, and complete transactions through the official website of commercial Banks or relevant software, which is conducive to greatly improving their service experience.

Fintech was the first to develop in foreign countries. Some foreign financial science and technology ideas and practical application methods are worthy of our country's reference and learning. China can actively expand the talent development channels of fintech, continuously optimize and improve the current financial technology means, and promote the deep integration of fintech and commercial Banks by introducing foreign excellent talents and sending Chinese excellent students to study abroad. In addition, while absorbing and drawing lessons from foreign advanced construction experience, science and technology researchers should also pay attention to the actual situation of China's economic market and constantly promote the localization of financial technology.

Although the development of big data, blockchain, cloud platform and artificial intelligence has brought strong impetus to the innovation and development of commercial Banks, the current financial technology still has security loopholes. Due to the highly intensive information, once a deviation or malicious attack occurs in a certain technical link, a large number of bank customer information will be leaked, which will bring serious adverse effects to the whole economy and society. Therefore, commercial Banks should consciously abide by industrial laws and norms, and actively use legal weapons to solve fintech risks, so as to maintain an orderly environment for the development of commercial Banks.

In short, fintech has brought a positive influence that cannot be ignored for the innovation and development of commercial Banks. However, technology is not omnipotent. Both commercial Banks and citizens should consciously abide by relevant laws and regulations to provide a good environment for the further development of fintech.

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