金融科技背景下银行零售业务发展研究

Research on the Development of Banks’ Retail Business in the Context of Financial Technology

摘要: 随着金融科技的崛起，银行传统的零售业务模式受到了前所未有的冲击和挑战，但同时也为银行零售业务的智能化升级带来了全新的机遇。金融科技的力量正在重塑银行零售业务的面貌，使其更加智能、高效，满足了客户日益多样化的金融需求。本文以金融科技为研究背景，首先对银行的零售业务现状发展概况进行了分析；其次，分析了金融科技对银行零售业务的影响；再次，提出了银行业务在金融科技背景下遇到的问题；最后，探索金融科技背景下银行零售业务的发展策略。

Abstract: With the rise of financial technology, the traditional retail business model of banks has been impacted and challenged like never before, but at the same time, it has also brought new opportunities for the intelligent upgrading of banks’ retail business. The power of fintech is reshaping the face of banks’ retail business, making it smarter, more efficient, and more diverse to meet the increasingly diverse financial needs of customers. This article takes financial technology as the research background, and first analyzes the current development overview of the retail business of banks; Secondly, the impact of financial technology on bank retail business was analyzed; Once again, the problems encountered by banking business in the context of financial technology were raised; Finally, the development strategies of bank retail business under the background of financial technology was explored.