联系我们

论文查询结果	返回搜索

论文编号：	12822
作者编号：	2320190389
上传时间：	2021/12/9 14:33:19
中文题目：	金融科技背景下A银行信贷业务优化研究
英文题目：	Research on the Optimization of Bank A''''s Credit Business under the Background of Fintech
指导老师：	张国萍副教授
中文关键字：	国有商业银行；信贷业务；金融科技
英文关键字：	State-owned commercial bank；Credit business；Fintech
中文摘要：	随着现代信息技术迅速发展，互联网、人工智能、区块链等分支领域均实现了技术突破，呈现出快速进步和普及的态势，在此背景下，金融与科技的融合进一步加深，金融科技呈现迅猛发展态势。国家2014年正式批准5家互联网银行成立运行，宣告了金融科技彻底被市场认同。金融科技凸显出的经营优势，加速了传统商业银行进行金融科技再造，优化和转型的决心。 A银行为我市大型国有商业银行，是传统商业银行的典型代表，作为其业务核心的信贷业务，近些年出现了信贷市场容量趋于饱和，优质信贷客户同业竞争压力加大，市场份额竞争愈加激烈，利润空间被压缩等情况；传统被视为优势及业务触手的物理网点，人力成本和经营成本在不断提高；信贷产品存在准入门槛较高，经营辐射范围有限，业务流程复杂等问题，不能满足客户日益增长的信贷需求，信贷业务亟待优化和转型。 基于此，本文结合众多金融科技相关研究文献，首先对其经营情况、信贷业务现状和内外部优化必要性进行对比阐述分析；其次以金融科技工具为基础，从信息整合、运作模式、产品设计等角度，分三个方面，包括信息技术、信贷业务模式和产品、信贷业务风险，提出对其信贷业务优化的策略；最后为保障优化能顺利开展，提出了三方面的保障措施，分别为：组织实施保障、信息化建设保障、人力资源保障，以推进和确保优化策略的顺利实施。通过本文的上述分析，一方面可以给予A银行信贷业务优化一定现实指导意见，另一方面也可以此为例，给予商业银行整体优化转型提供一定的借鉴和参考。
英文摘要：	With the rapid development of modern information technology, the Internet, artificial intelligence, blockchain and other branches have achieved technological breakthroughs, showing a trend of rapid progress and popularization. In this context, the integration of finance and technology has further deepened, and financial technology has emerged Rapid development trend. The state formally approved the establishment and operation of 5 Internet banks in 2014, declaring that financial technology has been thoroughly recognized by the market. The operational advantages of financial technology have accelerated the determination of traditional commercial banks to reengineer, optimize and transform financial technology. Bank A is a large state-owned commercial bank in our city and a typical representative of traditional commercial banks. As the core credit business of its business, in recent years, credit market capacity has become saturated, high-quality credit customers have increased competition in the same industry, and market share competition. Increasingly fierce, profit margins are compressed, etc.; traditional physical outlets that are regarded as advantages and business tentacles, labor costs and operating costs are constantly increasing; credit products have high entry barriers, limited business coverage, and complex business processes. , Unable to meet the growing credit demand of customers, credit business urgently needs to be optimized and transformed. Based on this, this article combines numerous financial technology-related research documents. First, it compares and analyzes its operating conditions, credit business status, and the need for internal and external optimization; Secondly, based on financial technology tools, it focuses on information integration, operation mode, and product design. from a similar perspective, it is divided into three aspects, including information technology, credit business models and products, and credit business risks, and proposes strategies for optimizing its credit business; Finally, to ensure that the optimization can be carried out smoothly, three safeguard measures are proposed, namely: Organize and implement safeguard measures, informatization construction safeguards, and human resources safeguards to promote and ensure the smooth implementation of optimization strategies. Through the above analysis of this article, on the one hand, it can give bank A certain practical guidance on the optimization of credit business, on the other hand, it can also be used as an example to provide a certain reference and reference for the overall optimization and transformation of commercial banks.
查看全文：	预览  下载(下载需要进行登录)