摘 要
金融科技的快速发展正在深刻改变银行业的传统运营模式和服务方式，本研究旨在探讨金融科技对银行业的影响与挑战，并提出相应的应对策略。基于国内外相关文献和行业数据，本文采用定性分析与定量研究相结合的方法，从技术创新、市场竞争、风险管理及客户体验四个维度展开深入分析。研究表明，金融科技通过推动数字化转型、优化服务效率以及拓展业务边界，显著提升了银行业的整体竞争力；然而，其也带来了诸如技术依赖、数据安全及监管合规等多重挑战。本文创新性地构建了金融科技影响评估框架，为银行业在新时代背景下的战略调整提供了理论依据。此外，研究发现金融科技的应用效果因银行规模和资源禀赋的不同而存在显著差异，中小银行面临更大的适应压力。基于此，本文建议银行业应加强技术创新投入，完善风险管理体系，并注重与金融科技企业的合作协同。总体而言，本研究不仅揭示了金融科技对银行业的深远影响，还为相关政策制定和实践探索提供了重要参考，具有较强的学术价值和现实意义。
关键词：金融科技；银行业；数字化转型；风险管理；技术创新
Abstract
The rapid development of fintech is profoundly transforming the traditional operational models and service approaches of the banking industry. This study aims to explore the impacts and challenges posed by fintech on banking and propose corresponding strategies for response. Based on relevant domestic and international literature as well as industry data, this research employs a combination of qualitative analysis and quantitative methods, examining the subject from four dimensions: technological innovation, market competition, risk management, and customer experience. The findings indicate that fintech enhances the overall competitiveness of the banking sector by driving digital transformation, improving service efficiency, and expanding business boundaries. However, it also introduces multifaceted challenges such as technological dependency, data security concerns, and regulatory compliance issues. This paper innovatively constructs an evaluation fr amework for assessing the influence of fintech, providing theoretical support for strategic adjustments in the banking industry under the new era context. Additionally, the research reveals that the application effects of fintech vary significantly depending on the scale and resource endowments of banks, with smaller institutions facing greater adaptation pressures. In light of these insights, this study recommends that the banking sector increase investment in technological innovation, enhance risk management systems, and emphasize collaboration with fintech enterprises. Overall, this research not only elucidates the profound impact of fintech on the banking industry but also offers valuable references for policy formulation and practical exploration, demonstrating strong academic significance and practical relevance.
Keywords: Fintech; Banking; Digital Transformation; Risk Management; Technological Innovation
目 录
一、绪论 1
（一）研究背景与意义 1
（二）国内外研究现状综述 1
（三）研究方法与技术路线 2
二、金融科技对银行业的影响分析 2
（一）金融科技提升银行服务效率 2
（二）数字化转型优化客户体验 3
（三）数据驱动的精准营销策略 3
（四）风险管理能力的增强 4
三、金融科技带来的挑战与风险 4
（一）技术依赖导致系统性风险 4
（二）数据隐私与安全问题加剧 5
（三）监管合规压力的增加 5
（四）人才短缺与技能升级需求 6
四、银行业应对金融科技的策略研究 6
（一）构建开放银行生态体系 6
（二）加强技术创新与研发投入 7
（三）推动数字化人才培养计划 7
（四）完善风险管理与内部控制 8
结论 8
参考文献 10
致 谢 11
