浅析金融科技对金融业发展的思考.doc

广州大学松田学院2020届毕业论文（设计） PAGE 浅析金融科技对金融业发展的思考 摘要：金融科技发展已经成为时势所趋，如今各传统金融机构为了开拓市场，满足消费者的不同需求，它们纷纷加入到金融科技发展的浪潮中，利用区块链、大数据、人工智能等科技手段提高服务质量，扩大服务覆盖范围，对业务进行优化，提高资产配置效率。为了适应金融资源的对接、金融产品的创新和多元化的发展趋势，针对金融行业发展存在的问题提出整治措施，提升金融行业的综合效能，优化金融系统、金融模式和金融业务等。基于此，本文通过金融科技对金融业发展的思考，对发展现状和面临的问题进行详细研究和分析，研究旨在提出发展金融科技的重要性以及金融业在金融科技发展中存在问题和应对措施，期望推动金融业健康发展。 关键词：金融科技，金融业，银行，金融风险，金融监管 Analysis On The Thinking Of Financial Technology To The Development Of Financial Industry Abstract：The development of fintech has become the trend of the times. Nowadays, in order to expand the market and meet the different needs of consumers, various traditional financial institutions have joined the wave of fintech development, using blockchain, big data, artificial intelligence and other technological means to improve Service quality, expand service coverage, optimize business and improve asset allocation efficiency. In order to adapt to the integration of financial resources, the innovation of financial products and the diversified development trend, it proposes rectification measures for the problems in the development of the financial industry, improves the overall efficiency of the financial industry, and optimizes the financial system, financial model and financial business. Based on this, this article uses financial technology to think about the development of the financial industry, and conducts detailed research and analysis on the current status of development and the problems it faces. The research aims to propose the importance of the development of financial technology and the problems and countermeasures in the development of the financial industry , Looking forward to promoting the healthy development of the financial industry. Keywords：Fintech， Financial industry， Bank，Financial risk，Financial supervision 目 录 TOC \o 1-3 \h \u 30621 第1章 绪 论 1 25898 1.1 研究背景及意义 1 19564 1.1.1 选题背景 1 28055 1.1.2 研究意义 2 4398 1.2 国内研究现状 2 11598 1.3 课题研究方法和内容 3 12211 1.3.1 研究方法 3 8681 1.3.2 研究内容 3