Research On Cooperation Mode Between Traditional Commercial Banks And Fin-tech Enterprises

In recent years,emerging technologies such as big data,cloud computing,artificial intelligence,and block-chain have continued to develop,showing a hot trend,which is an opportunity and a challenge for traditional commercial banks.Emerging technologies diversify information dissemination channels,reduce information asymmetry in the past,reduce intermediate links,and reduce the cost of banking services.Both parties can directly trade online,breaking through the limitations of traditional financial services in terms of time and space.Improve the efficiency of banking services;Big Data technology provides a new means for the collection,processing and analysis of customers' vast amounts of information for evaluation,forecasting and product and model innovation,enhancing bank risk control capabilities and accurate marketing capabilities for customers.Financial technology is not only an innovative tool for traditional commercial banks to achieve leap-forward development,but also a key factor in further narrowing the gap between traditional commercial banks.However,thanks to the advantages of financial technology,some companies are involved in the financial sector,and cross-border financial services make the financial market entities diversified.For example,many technology companies use their technological advantages to obtain financial licenses and engage in financial services;some traditional enterprises use large-scale users to combine financial technology with data resources to provide financial services.These forced the traditional commercial banks' various businesses to be strongly impacted,and the profits showed a downward trend.The transformation of traditional commercial banks is imperative.This paper takes the cooperation mode between traditional commercial banks and financial technology enterprises as the research object,mainly analyzes the relevant content of the cooperation mode between traditional commercial banks and financial technology enterprises,such as the reasons for cooperation,the type of cooperation mode,the problems in cooperation and risk control.This paper first introduces the research background and research status of the cooperation mode between traditional commercial banks and financial technology enterprises,and points out the theoretical and practical significance of this paper.Secondly,it introduces the characteristics of new technologies such as big data,cloudcomputing,artificial intelligence,block-chain and its application in the financial industry.It analyzes the development status of various commercial banks' various businesses and the huge impact under the tide of financial technology,and points out the opportunities and challenges faced by traditional commercial banks in the background of financial technology.Then it analyzes the reasons for the cooperation between traditional commercial banks and financial technology enterprises,the types of cooperation,the problems of cooperation and the characteristics of cooperation,such as innovation mode,co-construction mode and authorization mode.Finally,from the perspectives of the government,traditional commercial banks and financial technology enterprises,they propose how to do well in risk prevention and control measures to promote the long-term development of the financial industry and predict the inevitable trend of cooperation between traditional commercial banks and financial technology companies.