摘要
金融科技的快速发展正在深刻改变传统银行业的业务模式与竞争格局，本研究旨在探讨金融科技对传统银行业的影响及其应对策略。基于文献分析与案例研究相结合的方法，本文选取了国内外多家代表性银行及金融科技企业作为研究对象，系统梳理了金融科技在支付结算、信贷服务、财富管理等领域的应用现状及其对传统银行业务模式的冲击。研究发现，金融科技通过技术创新显著提升了金融服务效率，降低了运营成本，同时重塑了客户体验和市场竞争规则。然而，传统银行在数字化转型过程中也面临技术能力不足、数据安全风险以及监管合规压力等诸多挑战。本文提出，传统银行应以开放合作为切入点，加强与金融科技企业的协同创新，构建以客户为中心的服务体系，并通过优化组织架构和人才培养机制提升竞争力。本研究的创新点在于从生态系统视角出发，将金融科技视为推动银行业变革的重要驱动力，提出了兼具前瞻性和可操作性的应对策略，为传统银行在数字化时代实现可持续发展提供了理论支持与实践参考。
关键词：金融科技；传统银行；数字化转型；协同创新；客户服务
Abstract
The rapid development of fintech is profoundly transforming the business models and competitive landscape of traditional banking. This study aims to explore the impact of fintech on traditional banking and propose corresponding strategies for adaptation. By employing a research methodology that combines literature analysis with case studies, this paper selects multiple representative banks and fintech companies from both domestic and international contexts as research subjects. It systematically examines the current applications of fintech in areas such as payment settlement, credit services, and wealth management, as well as its implications for traditional banking business models. The findings indicate that fintech significantly enhances the efficiency of financial services through technological innovation, reduces operational costs, and reshapes customer experiences and market competition rules. However, traditional banks encounter various challenges during their digital transformation, including insufficient technical capabilities, data security risks, and regulatory compliance pressures. This study suggests that traditional banks should adopt open collaboration as a starting point, strengthen co-innovation with fintech enterprises, establish a customer-centric service system, and enhance competitiveness by optimizing organizational structures and talent cultivation mechanisms. The novelty of this research lies in its ecosystem perspective, which views fintech as a critical driver of change in the banking industry. It proposes forward-looking and actionable strategies, providing theoretical support and practical references for traditional banks to achieve sustainable development in the digital era.
Keywords：Fintech; Traditional Bank; Digital Transformation; Collaborative Innovation; Customer Service
目 录
摘要 I
Abstract II
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、金融科技对传统银行业务模式的影响分析 2
(一) 金融科技的核心特征及其发展态势 2
(二) 对传统银行业务模式的冲击与挑战 3
(三) 金融科技驱动下的业务模式转变 3
三、传统银行业务模式面临的机遇与风险评估 4
(一) 金融科技带来的业务创新机遇 4
(二) 数据安全与隐私保护的风险挑战 5
(三) 监管环境变化对银行的影响 5
四、传统银行业的应对策略与转型路径 6
(一) 技术驱动型战略的实施路径 6
(二) 客户体验优化与服务模式升级 7
(三) 合作生态构建与开放银行实践 7
结 论 9
参考文献 10
