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下面为大家整理一篇优秀的paper代写范文- The impact of fintech on the innovation and 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创新发展的影响。金融科技是一种新型的金融方式，一种新兴的技术，可以通过使用各类的过程或者产品，对金融市场进行调控的技术。金融科技技术的出现改变了传统的金融模式，首先是对商业银行的产品创新。现阶段，商业银行新推出了网上产品，产品趋向于虚拟化，这类产品的出现方便了有关的操作，用户可以直接在第三方平台上进行操作，节省了银行员工的工作流程，提升了用户的商业体验，在一定程度上推动了金融领域的进步。另外，金融科技对商业银行的服务也有一定的创新。金融科技产品的出现，使得银行用户可以直接在网络上进行业务的办理，银行员工为客户提供在线服务，节省了双方的时间，大大的提升了工作的效率，提升了商业银行的服务质量。

In recent years, China's economic level has shown a trend of rapid development. The continuous improvement of Internet technology has promoted the development of all walks of life in China to some extent. The integration of finance and science and technology indicates that China's financial industry has entered a stage of rapid development. At present, the development of commercial Banks has attracted more and more people's attention. According to relevant data, China's financial technology is mainly based on third-party platform payment and P2P, and alipay has become one of China's four new inventions, which facilitates people's life. This article mainly takes the development of fintech as the entry point to discuss the impact of fintech on the development of commercial Banks, hoping to attract people's attention and solve the troubles of relevant personnel.

Financial science and technology development to a certain extent, the convenient people's life, the rapid development of the financial products to promote the progress of the industry of our country economy, our third-party payment, for example, at present, most of the cities and areas in China began to implement the WeChat or pay treasure payment, the payment of a has facilitated people's lives, to a certain extent promoted the industry of our country economy and the development of science and technology industry. Next, we discuss the development of commercial Banks.

Fintech is a new type of finance. Through investigation of relevant materials, we can know that at present, fintech means an emerging technology that can regulate the financial market through the use of various processes or products. The development of this technology has attracted extensive attention since it emerged. This technology first appeared in the United States, which developed its economy through market regulation and improved its economic system. In recent years, Chinese government or relevant departments have paid more attention to the technology of fintech and developed various fintech products, the main products of which are third-party system and taobao. Fintech products cover a wide range of fields, not only financial products, but also artificial intelligence products and cloud computing.

The emergence of financial technology changed the traditional mode of financial, can say, the emergence of financial technology open another door of the financial industry, financial technology compared with traditional financial technology has more advantages, for example, information is abundant, the transaction is more convenient, in addition, the financial technology also has strong secrecy performance and safety performance, the development of financial industry in China has a certain role in promoting.

Based on the analysis of relevant data, we can know that at present, the application of fintech has a certain impact on the innovation of commercial Banks. Next, we analyze it from two aspects:

The first is the product innovation of commercial Banks. Through the analysis of relevant materials, we can know that the products of traditional commercial Banks mainly have three types, namely core products, basic products and extension products. These three kinds of products have different characteristics, we then it analyzes the types of the three products, the first is the analysis of core products, core product mainly bank reform according to the customer's opinions, to meet customer requirements of products, among them, the core products are mainly composed of investment products, can bring a certain level of income for the customer, this kind of product mainly has the meaning is the meaning of the economy; Secondly, basic products are the most basic components of a bank, including deposit and loan service systems. Through the analysis of relevant information, we can know that basic products are one of the products that are mainly adopted by bank customers at the present stage. In addition to the above two products, the other one is the extension product. This kind of product is the optimized business in financial products, which is mainly carried out to solve the problems existing in customers. The emergence of the financial industry of science and technology, making the financial products also tend to science and technology, at present, new commercial Banks launched online products, products tend to be virtualized, related to the occurrence of this kind of product is convenient for operation, the user can operate directly on the third-party platform, saves the bank employee working process, improve the user experience of business, to a certain extent, promote the development of China's financial sector.

The second is the service innovation of commercial Banks, which is also the key. Improving the user's experience is one of the main focuses of commercial Banks at the present stage. According to the investigation on the relevant materials, we can know that in the traditional business processing mode, the relevant users need to queue up in the bank for processing, the work efficiency is not high, and a large number of bank employees are needed. At the present stage, the appearance of fintech products enables bank users to conduct business directly on the Internet. Bank employees provide online services for customers, which saves time for both parties, greatly improves the efficiency of work and improves the service quality of commercial Banks. The innovation of the service quality to a certain extent, embodies the financial industry in China has entered a new stage of development, through the analysis of related information, we can know, now most of the commercial Banks to carry out online business to deal with the process, this to a certain extent, also reflects the relevant institutions and government departments in our country in financial technology products.

At the present stage, China's fintech products are still facing some problems in the process of development. How to solve these problems and improve the efficiency of work handling is one of the main concerns of the relevant staff. We chose several development modes mainly adopted by commercial Banks at the present stage for analysis, hoping to solve the problems of relevant personnel:

First of all, the first method is to draw lessons from the successful experience of foreign enterprises, strengthen financial products and technology integration, through the analysis of related information, we can know, financial technology products mainly originated from abroad, because our country financial technology compared with the developed countries there is a certain space for development, as far as possible in order to shorten the gap, the relevant staff should improve their skills, the development of science and technology level, strengthen technology and the concept of financial integration. Financial innovation Banks should learn from the advanced experience of foreign countries and develop their own technical level. They can employ external experts or send overseas students for experience learning. In addition, while drawing lessons from foreign advanced experience, we should pay attention to the combination with the domestic situation, on the basis of the domestic concept of innovation. How to improve the integration of financial products and technology? This is related to one of the main consideration of the current problems, to promote financial products and the depth of the philosophy of science and technology integration, promoting the localization of the financial industry development, develop financial technology products suitable to China's national conditions, in addition, governments and relevant institutions should also improve the attention to the related concept, the appropriate policy and law, promote the development of relevant industries.

The second method is to respect the development environment of the market and develop in accordance with relevant laws and regulations. At the present stage, China's science and technology field has developed rapidly and various new products have emerged, such as cloud computing, artificial intelligence technology and big data. To some extent, the development of these technologies has promoted the development of science and technology in China. Through the analysis of relevant data, we can know that at the present stage, there are still some problems in the integration of China's financial sector and scientific and technological products, especially the safety performance, and there is still a lot of room for improvement. Due to the rapid development of Internet technology in China in recent years, the speed of information dissemination is very fast, so it is very important to improve the security performance of technology and financial integration. Once a link in the security loophole, would bring huge losses to the bank's economic system, also will lose the customer information, reduce the service quality of commercial Banks, affect bank user's daily life, reduce the safety performance of information, therefore, commercial Banks in the process of development must be raised awareness of information security, reduce the happening of the risk situation. Commercial Banks should strengthen cooperation and exchange skills to jointly maintain the environmental stability of China's financial industry and promote the long-term development of the financial industry. In addition, in the process of development, commercial Banks should follow relevant laws and regulations and develop on the basis of abiding by discipline and law.

Through the analysis of relevant materials, it can be seen that commercial Banks in China are gradually developing towards diversification at the present stage. How to improve the progress of development and work efficiency is one of the main concerns of relevant staff at the present stage. If traditional commercial Banks want to achieve rapid development in a short time, they should develop the value of non-financial services, improve communication and cooperation with customers, and increase the application of Internet technology. Through the relevant personnel of the survey, we can know that China construction bank as early as 2017 to carry on the business development work, put forward the cooperation with alibaba, the Internet technology application in the development of commercial Banks to promote the progress of the related industries, not only raised the speed of the commercial bank's own development, has also made innovation to the related products pattern, in recent years, the construction bank has been leading the development of China's commercial Banks. Other commercial Banks should learn from their successful experience. The fundamental meaning of cross-border cooperation is that both parties sign relevant agreements and cooperate on the basis of law to develop each other's advantages and promote the long-term development of both sides. In addition to China construction bank, jingdong finance and industrial and commercial bank of China signed relevant agreements to jointly develop fintech related products. Taking asset management as the main premise of cooperation, the two sides carried out cooperation in various aspects, which not only promoted the development of both sides, but also laid a foundation for the improvement of China's financial concept. "Bank of China - tencent financial technology joint laboratory" was also established.

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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