当代经济管理2025，Vol.47Issue(11)：88-96,9.DOI:10.13253/j.cnki.ddjjgl.2025.11.010
商业银行发展金融科技的正向效能与潜在风险
The Positive Effects and Potential Risks for Commercial Banks to Develop Financial Technology
摘要
Abstract
Financial Technology(FinTech)plays an important role in the construction ofa strong financial nation.For commercial banks,it is an ob-jective requirement to include FinTech in business plans in order to fulfill the national strategy of high-quality development of the financial sector.In re-cent years,the typical facts of development of FinTech in commercial banks include carrying out the strategic plans of FinTech,improving management system of FinTech,increasing the investment of FinTech and promoting deep application of FinTech.On the positive side,development of FinTech in commercial banks could alleviate financing burden,expand business units,improve the efficiency of resource allocation and advance the green transi-tion.On the negative side,commercial banks would encounter potential risks of crowding out of resource,outsourcing of technology,transformation of talent,algorithmic bias and lagging of regulation.In the future,commercial banks should carry out the strategic plans of FinTech in an active yet pru-dent manner,optimize the system of risk management,and create a favorable industrial ecosystem,while government departments should support the development of FinTech,deal with the condition of markets malfunction,and enhance regulations on FinTech.关键词
金融科技/商业银行/正向效能/潜在风险/高质量发展Key words
FinTech/commercial banks/positive effects/potential risks/high-quality development分类
经济学引用本文复制引用
王海兵..商业银行发展金融科技的正向效能与潜在风险[J].当代经济管理,2025,47(11):88-96,9.基金项目
中国社会科学院重大创新项目"发展新质生产力体制机制研究"(2024YZDJ005) （2024YZDJ005）
中国社会科学院工业经济研究所自主创新项目"大国博弈背景下国家规模提升创新效能的机制、路径与政策研究"(2025GJSP07) （2025GJSP07）
中国社会科学院学科建设"登峰战略"资助计划项目"产业经济学"(DF2023YS24). （DF2023YS24）
