MBA教育中心知识库

近些年，我国金融科技以较快速度发展起来，金融科技作为新兴力量，发展趋势良好，创新充满活力，而传统商业银行则具有深厚的市场基础和盈利能力，二者的结合已成为人们关注的热点。我国商业银行金融科技应用也在加速。金融科技的应用被视为一种常态，商业银行试图寻找适当的方法，将其融入自身经营环境。部分银行在金融科技推广应用之后，盈利能力和风险防御能力也在持续提高。一些商业银行也纷纷投身于金融技术的整合，力求找到符合自己发展方向的创新之路，寻求新的发展突破口。

本文基于金融科技应用的理论与文献研究，对平安银行兰州分行的金融科技应用情况展开深入分析。从产品、渠道、模式和技术四个维度展开调研分析，发现平安银行兰州分行金融科技应用存在的问题有金融科技产品缺乏创新且不够丰富、应用模式未取得预期效果、未能有效提高业务审批质量与效率以及对金融科技技术应用不够充分。并进一步分析其可能的原因有忽视客户需求与产品创新、人才储备不足导致渠道创新缓慢、未建立智能风控审批体系、数据信息跟踪与分析能力不足。最后针对平安银行兰州分行金融科技应用存在的问题及其成因，分别从重视客户需求并不断创新产品、加强金融科技人才队伍建设、建立智能风控与审批体系以及充分利用各类技术提高数据分析能力等方面，提出具体的对策建议。

研究为股份制商业银行更好的应用金融科技提供参考，有助于推动金融行业转型升级、提升金融机构的竞争力和创新能力，促进金融科技和金融业的持续健康融合发展。

In recent years, China's financial technology has developed rapidly. As an emerging force, financial technology has a good development trend and innovation is full of vitality, while traditional commercial banks have a profound market foundation and profitability. The combination of the two has become a hot topic of attention. The application of financial technology in China's commercial banks is also accelerating. The application of fintech is seen as the norm, and commercial banks are trying to find appropriate ways to integrate it into their operating environment. After the promotion and application of financial technology, the profitability and risk defense ability of some banks are also continuing to improve. Some commercial banks have also devoted themselves to the integration of financial technology, and strive to find an innovation road in line with their own development direction, and seek new development breakthroughs.

Based on the theory and literature research of the application of financial technology, this paper conducts an in-depth analysis of the application of financial technology in Lanzhou Branch of Ping An Bank. From the four dimensions of product, channel, mode and technology, it is found that the problems in the application of fintech in Lanzhou Branch of Ping An Bank include the lack of innovation and richness of fintech products, the failure to achieve the expected effect of the application mode, the failure to effectively improve the quality and efficiency of business approval, and the insufficient application of fintech technology. Further analysis of the possible reasons include neglect of customer demand and product innovation, lack of talent reserve leading to slow channel innovation, failure to establish intelligent risk control approval system, insufficient data information tracking and analysis ability. Finally, in view of the existing problems and causes of fintech application in Lanzhou Branch of Ping An Bank, specific countermeasures and suggestions are put forward from the aspects of paying attention to customer needs and constantly innovating products, strengthening the construction of fintech talent team, establishing intelligent risk control and approval system, and making full use of various technologies to improve data analysis ability.

The study provides a reference for joint-stock commercial banks to better apply fintech, which will help promote the transformation and upgrading of the financial industry, enhance the competitiveness and innovation ability of financial institutions, and promote the sustainable and healthy integration of fintech and the financial industry.