MBA教育中心知识库

受互联网信息技术的发展以及新冠肺炎疫情的影响，在消费市场当中，客户线上化交易的趋势越来越明显。在这一背景下，对于金融科技的应用以及标准化要求也越来越高，尤其是金融科技在商业银行战略发展中的数据获取、数据分析以及数据应用等。现阶段，商业银行金融科技发展的实质不仅是线下业务的线上化，更是要以此为契机实现商业银行的整体科技化,包括业务流程、经营模式、风险控制、管理成本等。在经济新常态以及疫情控制环境下，基于金融科技背景的商业银行战略优化不仅是应对疫情危机的有效手段，也是加快商业银行转型升级的重要路径。

基于此，本文以甘肃银行为研究对象，综合分析甘肃银行当前面临的内外部环境，从甘肃银行业务发展现状出发，分析目前业务发展过程中存在的问题并进行成因分析，根据分析对甘肃银行战略进行总体优化设计，具体从客户管理优化措施、业务管理优化措施、渠道设计优化措施、资源管理优化措施和市场定位优化措施五个方面进行优化。并从组织与制度保障、技术保障、财务保障、人力资源保障四个方面阐述了具体的保障措施。该研究利于促进甘肃银行经营水平的提升，也能够为城商行在新形势下战略优化提供经验借鉴。

Affected by the development of Internet Information Technology and covid-19, the trend of customer online transaction is becoming more and more obvious in the consumer market. In this context, the application and standardization requirements of financial technology are also getting higher and higher, especially the data acquisition, data analysis and data application of financial technology in the strategic transformation of commercial banks. At this stage, the essence of the development of financial technology of commercial banks is not only to develop the online business, but also to take this opportunity to realize the overall scientific and technological development. Specifically, it includes these aspects, such as business process, business model, risk control, management cost, etc. Under the new normal of the economic development and the environment of epidemic control, the strategic transformation of commercial banks based on the perspective of financial technology is not only an effective means to deal with the epidemic crisis, but also an important path to accelerate the transformation and upgrading of commercial banks.

With the background mentioned above, this thesis takes the Bank of Gansu as the research subject, comprehensively analyzing the current internal and external environment faced by the Bank of Gansu. Starting from the current situation of the Bank of Gansu, the writer analyzes the problems existing in the current business development process and the causes, and optimizes the overall design of its strategic transformation. It is optimized mainly from five aspects: customer management strategy, business management strategy, channel design strategy, resource strategy and market strategy. And from the organization and the system safeguard, the technical safeguard, the financial safeguard, the human resources safeguard four aspects elaborated the concrete safeguard measures.In practical significance, it can help promote the improvement of the financial technology level of the Bank of Gansu, and provide reference for the transformation and development of urban commercial banks under the new situation.