金融科技在商业银行中的发展与应用——以招商银行推进金融科技发展为例

The Development and Application of Financial Technology in Commercial Banks—Taking China Merchants Bank’s Promotion of Financial Technology Development as an Example

摘要: 本文通过分析金融科技发展的阶段与内容，结合金融科技相关的理论与已有的研究成果，总结金融科技发展的特点、工具及其对商业银行的影响，以招商银行运用金融科技促进发展的案例，分析得出金融科技对商业银行带来的发展变革与创新，提高了商业银行的经营能力与营业效率，促进传统业务更新升级，同时关注到了金融科技发展对银行业的部分冲击，案例分析总结得出当前银行业发展的建设性意见，注重金融科技发展存在的经营风险，提升银行业经营稳定性与安全性。

Abstract: This article analyzes the stages and contents of the development of financial technology, combined with relevant theories and existing research results of financial technology, and summarizes the characteristics, tools, and impact of financial technology development on commercial banks. Taking the case of China Merchants Bank using financial technology to promote development, it analyzes the development changes and innovations brought by financial technology to commercial banks, improves their operational capabilities and efficiency, promotes the upgrading of traditional businesses, and pays attention to the partial impact of financial technology development on the banking industry. The case analysis summarizes constructive opinions on the current development of the banking industry, focuses on the operational risks of financial technology development, and enhances the stability and safety of banking operations.