摘 要
金融科技作为现代金融与先进科技融合的产物，正在深刻改变银行业的运营模式和服务方式。金融科技通过引入人工智能、区块链、大数据和云计算等核心技术，不仅提高了银行业的服务效率，降低了运营成本，还推动了银行业务的创新和竞争力的增强。金融科技的特点在于其创新性和颠覆性，它打破了传统金融的界限，为银行业带来了全新的服务模式和商业模式。其中，人工智能技术在风险评估、欺诈检测等方面发挥了重要作用；区块链技术提供了安全、透明的交易记录，有助于实现智能合约和跨境支付；大数据技术使得银行能够深度分析和挖掘客户需求，提供个性化服务；云计算则为银行提供了灵活、可扩展的IT资源，降低了IT成本。然而，金融科技在银行业数字化转型中也面临着诸多挑战，如技术需要不断更新、信息安全风险、思维模式转变困难以及客户需求变化快速等。为了应对这些挑战，银行需要加大技术研发投入，加强信息安全体系建设，明确数字化转型战略，并建立客户反馈机制，以确保数字化转型的顺利进行。金融科技在银行业数字化转型中扮演着重要角色，银行应积极探索和应用金融科技，以适应市场变化和客户需求，提升自身的竞争力和可持续发展能力。
关键词：金融科技；银行业；数字化转型
Abstract
Financial technology, as a product of the integration of modern finance and advanced technology, is profoundly changing the operation mode and service mode of the banking industry. By introducing core technologies such as artificial intelligence, blockchain, big data, and cloud computing, fintech not only improves the service efficiency of the banking industry, reduces operating costs, but also promotes innovation and competitiveness in banking business. The characteristic of fintech lies in its innovation and disruptive nature, breaking the boundaries of traditional finance and bringing new service and business models to the banking industry. Among them, artificial intelligence technology has played an important role in risk assessment, fraud detection, and other aspects; Blockchain technology provides secure and transparent transaction records, which helps to achieve smart contracts and cross-border payments; Big data technology enables banks to deeply analyze and mine customer needs, providing personalized services; Cloud computing provides banks with flexible and scalable IT resources, reducing IT costs. However, financial technology also faces many challenges in the digital transformation of the banking industry, such as the need for continuous technological updates, information security risks, difficulties in changing thinking patterns, and rapid changes in customer needs. To address these challenges, banks need to increase investment in technology research and development, strengthen the construction of information security systems, clarify digital transformation strategies, and establish customer feedback mechanisms to ensure the smooth progress of digital transformation. Financial technology plays an important role in the digital transformation of the banking industry. Banks should actively explore and apply financial technology to adapt to market changes and customer needs, enhance their competitiveness and sustainable development capabilities.
Keywords: Financial technology; Banking industry; Digital transformation
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的及内容 1
1.3 国内外研究现状 2
第2章 金融科技概述 3
2.1 金融科技的定义 3
2.2 金融科技的特点 3
2.3 金融科技的核心技术 4
2.3.1 人工智能 4
2.3.2 区块链 4
2.3.3 大数据 5
2.3.4 云计算 5
第3章 金融科技在银行业数字化转型中的作用 6
3.1 提升服务效率 6
3.2 降低运营成本 6
3.3 推动银行业务创新 7
3.4 增强银行竞争力 7
第4章 金融科技在银行业数字化转型中面临的挑战 8
4.1 技术需要不断更新 8
4.2 存在信息安全风险 8
4.3 思维模式转变困难 8
4.4 客户需求变化快速 9
第5章 金融科技在银行业数字化转型中的应对策略 10
5.1 加大技术研发投入 10
5.2 加强信息安全体系建设 10
5.3 明确数字化转型战略 10
5.4 建立客户反馈机制 11
结 论 12
参考文献 13
