金融学院知识库

    随着信息化技术的快速发展，金融科技不断创新，对传统商业银行产生了颠覆式影响，银行业积极寻求变革以适应新的发展环境。科技的发展对人们的生产、生活方式以及消费习惯产生了较大影响，人们对金融服务、产品以及业务的需求越来越趋向便捷化、智能化、多元化，这对金融机构提出了较高的要求。金融领域一直是各类先进科技较先实践与运用的地方，金融业随着科技的创新而不断创新，智慧金融在此背景下产生。由于金融行业竞争日趋激烈，其他金融机构以及非金融机构开始动摇商业银行在金融市场的主导地位，传统商业银行面临着比较严峻的生存环境，主要表现为：部分大型的第三方支付平台主动创新，为金融服务需求者提供更加便捷的支付、筹资等服务，削弱了商业银行的功能，使商业银行的经营面临较大困境，迫切需要借助智慧金融提升核心竞争力，在竞争激烈的金融市场中保持健康的发展。另外，商业银行的金融产品与服务同质化严重，客户粘性较差，商业银行需要创新产品和服务模式，以建立满足客户需求的多层次、多样化的产品和服务体系，而智慧化转型是增强商业银行竞争力的重要方式。 
    近年来，平安银行凭借智慧金融的建设在竞争激烈的金融市场中脱颖而出，分别在金融科技、零售转型方面取得了一定成效，获得了业界内的一致好评。本文以平安银行为研究对象，研究其智慧金融模式的发展如何提升其竞争力，并为其他商业银行智慧金融的发展提供一定借鉴意义。本文运用案例分析法、文献研究法以及银行再造理论、互联网金融理论和交易费用理论梳理智慧金融相关内容，通过对平安银行智慧金融“科技+业务”双轮驱动的模式分析，认为高效的智慧金融发展模式一定程度上提升了平安银行的服务效率与服务质量，推动了数字化、智慧化转型，使平安银行的核心金融业务更具竞争力、更具活力。因此，通过上述分析得出启示，即商业银行必须借助智慧金融实现稳定、持续的经营，必须充分发挥金融科技助力作用，提升智慧金融服务能力，通过合作来实现共赢。

With the rapid development of information technology and the continuous innovation of financial technology, it has a subversive impact on traditional commercial banks, and the banking industry actively seeks for changes to adapt to the new development environment. The development of science and technology has a great impact on people's production, lifestyle and consumption habits. People's demand for financial services, products and businesses is becoming more and more convenient, intelligent and diversified, which puts higher demands on financial institutions. The field of finance has always been a place where all kinds of advanced technologies are practiced and applied first. With the innovation of science and technology, the financial industry keeps innovating, and smart finance comes into being under this background. Due to the increasingly fierce competition in the financial industry, other financial institutions and non-financial institutions have begun to shake the dominant position of commercial banks in the financial market. Traditional commercial banks are facing a severe living environment, which is mainly manifested in the initiative innovation of some large third-party payment platforms to provide more convenient payment, fund-raising and other services for financial service demanders, which weakens the functions of commercial banks and makes their operations face great difficulties. It is urgent to use smart finance to enhance their core competitiveness and maintain healthy development in the highly competitive financial market. In addition, the homogeneity of financial products and services of commercial banks is serious, and customers' stickiness is poor. Commercial banks need to innovate product and service models in order to establish a multi-level and diversified product and service system to meet customers' needs, and intelligent transformation is an important way to enhance the competitiveness of commercial banks.

In recent years, Ping An Bank stands out in the highly competitive financial market by virtue of the construction of smart finance, and has made certain achievements in financial technology and retail transformation, which has won unanimous praise in the industry. Taking Ping An Bank as the research object, this paper studies how the development of its smart financial model can improve its competitiveness, and provides some reference for the development of smart finance of other commercial banks. This paper uses case analysis, literature research, bank reengineering theory, Internet finance theory and transaction cost theory to sort out the related contents of smart finance. By analyzing the "technology+business" two-wheel drive mode of Ping An Bank's smart finance, it is concluded that the efficient smart finance development mode has improved the service efficiency and service quality of Ping An Bank to some extent, promoted the digital and intelligent transformation, and made the core financial business of Ping An Bank more competitive and dynamic. Therefore, through the above analysis, the enlightenment is drawn, that is, commercial banks must use smart finance to achieve stable and sustainable operation, and they must give full play to the role of financial technology to enhance smart financial service capabilities and achieve win-win through cooperation.