金融科技背景下传统银行业务的发展机遇与问题—以“无人”银行为例

Opportunities and Problems for the Development of Traditional Banks Business under the Background of Financial Technology—Taking the Self-Service Bank as an Example

摘要: 以金融科技发展为背景，分析了金融科技发展对传统金融业的推动发展作用。同时以传统商业银行业务发展历程为例，进一步分析了在金融科技引领下的传统银行业务的局限和转型发展方向，最后指出了传统银行网点业务转型为“无人银行”的发展中面临的问题及对策。

Abstract: Based on the background of the development of financial technology (fintech), this paper analyzes the role of fintech development in promoting the development of traditional finance. At the same time, taking the business development of traditional commercial Banks as an example, this paper further analyzes the limitation and development direction of the traditional banking business under the guidance of financial technology, and finally points out the problems and countermeasures in the development of the transformation of the traditional banking network business into the “self-service bank”.