| With the continuous development of Internet information technology and the continuous update of fintech product technologies,new financial technology products such as mobile payments,cloud computing,big data,artificial intelligence,and blockchain have penetrated into the financial industry,which has led to the business model of the financial industry The changes have caused changes in the operating pattern of the financial industry.The definition of bank has changed,and the ecology of the financial industry is also being reshaped.The advancement of the times requires banks to establish Internet thinking,use the power of financial technology,and actively integrate into information technology and the Internet wave.People are lamenting the convenience and speed brought by fintech,and they are also thinking about facing the impact of the fierce fintech.This article is based on financial technology,and selected SN Bank as the specific case,and carried out relevant special research.First,the research background and significance are explained,specific research content and overall framework structure are proposed,research methods are clarified,and innovations and deficiencies are pointed out.Then,it analyzes the development status of fintech and introduces the current main models of fintech.Next,it introduces the basic situation of SN Bank,and then discusses the positive and negative impact of FinTech on SN Bank’s daily business and development operations.Next,based on the specific conditions of SN Bank,five development strategies were proposed,including strengthening information construction and innovating operating models.At the same time,SN Bank’s development strategy and corresponding safeguard measures for fintech were put forward.Finally,the research work is summarized and related future prospects are made.The purpose of this study is to systematically study the impact of fintech on commercial banks and how commercial banks can better use fintech to achieve transformation success,with a view to putting forward theoretically and practically in the process of commercial bank optimization reform and pursuit of high-quality development.Some practical policies provide support for future work,and provide relevant experience and suggestions for brother banks of the same nature. |
