摘 要
本文对金融科技对传统金融业的影响与对策进行了研究。首先概述了金融科技的定义和范围，以及其发展历程。接着论述了金融科技对传统金融机构的挑战，包括竞争压力、服务创新等方面。介绍了金融科技创新对传统金融产品和服务的改变，如移动支付、智能投顾等。同时分析了金融科技对传统金融业务流程的影响，例如自动化流程和数据驱动决策。探讨了传统金融机构的数字化转型策略，包括技术升级、人才培养等方面。分析了传统金融机构与金融科技企业的合作模式，如合作共赢和资源整合。提出了传统金融机构与金融科技企业合作的风险管理方法，如合规监管和信息安全。本研究将为传统金融机构了解金融科技的发展趋势和影响，并提供应对策略，以保持竞争力。
关键词：金融科技 传统金融业 影响
Abstract
This study examines the impact of financial technology (FinTech) on traditional finance and explores the corresponding strategies. The paper begins by providing an overview of the definition, scope, and historical development of FinTech. It then discusses the challenges posed by FinTech to traditional financial institutions, including competition and service innovation. The study introduces the transformative effects of FinTech innovation on traditional financial products and services, such as mobile payments and robo-advisory. Furthermore, it analyzes the influence of FinTech on traditional financial business processes, such as automation and data-driven decision-making. The research also delves into the digital transformation strategies for traditional financial institutions, including technological upgrades and talent development. The paper examines the collaborative models between traditional financial institutions and FinTech companies, such as win-win partnerships and resource integration. Additionally, it proposes risk management approaches for the collaboration between traditional financial institutions and FinTech firms, such as regulatory compliance and information security. This study aims to assist traditional financial institutions in understanding the development trends and impacts of FinTech, and provides strategies to maintain competitiveness.
Keywords: FinTech traditional finance impact
目 录
一、引言 1
二、金融科技的发展概述 1
（一）金融科技的定义和范围 1
（二）金融科技的发展历程 2
三、金融科技对传统金融业的影响 2
（一）金融科技对传统金融机构的挑战 2
（二）金融科技创新对传统金融产品和服务的改变 3
（三）金融科技对传统金融业务流程的影响 4
四、传统金融业应对金融科技的对策 4
（一）传统金融机构的数字化转型策略 4
（二）传统金融机构与金融科技企业的合作模式 5
（三）提出传统金融机构与金融科技企业合作的风险管理方法 6
五、结论 6
致 谢 8
参考文献 9
