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| 金融科技在我国商业银行中的应用研究 摘 要 随着我国科学技术的飞速发展，金融业也发展了新兴的科学技术，例如大数据技术， 人工智能，区块链技术，支付技术等，这些都是新兴的金融技术。 它们在改善金融服务并进一步促进金融服务的 不断创新和发展中发挥着越来越重要的作用。 在这种趋势下，我国的商业银行增加了对金融技术研发的投资。 因此，通过使用金融技术获得的竞争力对于银行业务至关重要。 商业银行可以把握金融技术的双赢局面，发展机遇将是银行提高竞争力， 实现业务转型和增强业务活力的关键。 本文以首先对金融科技相关概念进行概述， 然后了解金融科技在商业银行中的应用情况， 了解金融科技在我国商业银行应用中存在的问题，最后针对问题， 提出有效的解决对策。 关键词：金融科技 商业银行 人工智能 ABSTRACT With the rapid development of science and technology in my country, the financial industry has also developed emerging science and technology, such as big data technology, artificial intelligence, blockchain technology, payment technology, etc. These are all emerging financial technologies. They are playing an increasingly important role in improving financial services and further promoting the continuous innovation and development of financial services. Under this trend, my country's commercial banks have increased their investment in financial technology research and development. Therefore, the competitiveness obtained through the use of financial technology is essential for banking business. Commercial banks can grasp the win-win situation of financial technology, and development opportunities will be the key for banks to improve their competitiveness, achieve business transformation and enhance business vitality. This article first outlines the related concepts of financial technology, then understands the application of financial technology in commercial banks, understands the problems in the application of financial technology in commercial banks in my country, and finally proposes effective solutions to the problems. Keywords: financial technology, commercial bank, artificial intelligence |
