摘要
近年来，传统金融与新兴技术不断融合，推动了金融科技飞速发展，催生了以支付宝、
余额宝、微众银行、京东金融等为代表的新型金融业态，也引发了传统商业银行加速发展
金融科技的浪潮。在金融科技的驱动下，传统商业银行的管理模式、服务方式和竞争格局
正在发生着深刻变革。村镇银行作为以服务“三农”为宗旨设立的银行业机构，对丰富和
完善农村金融体系，缓解农村金融供给不足、竞争不充分等问题，意义重大。然而，在金
融科技驱动下，大中型商业银行业务逐步下沉，严重压缩了村镇银行的发展空间，增加了
其发展压力。面对新的市场竞争挑战，如何运用金融科技对传统经营管理进行解构和重塑，
增强自身竞争力，是村镇银行面临的一个重要课题。
文献回顾发现，当前研究主要关注国有商业银行、股份制银行的金融科技发展问题，
对村镇银行这类成立时间短、规模较小的银行机构，专家学者对其关注度不高，尤其对村
镇银行在金融科技驱动下如何进行发展的研究成果比较缺乏，难以对该类银行的金融科技
发展形成有效指导。本文以NY村镇银行为研究对象，描述了该银行金融科技发展现状，揭
示了其金融科技发展中存在的问题，并在综合分析该银行发展金融科技内外部因素的基础
上，有针对性地提出了NY村镇银行发展金融科技的对策。具体来说，本文结合我国金融科
技发展进程分析NY村镇银行金融科技发展情况，引入蜂巢模型深入分析该银行金融科技发
展中存在的问题及成因。研究表明，NY村镇银行将金融科技的关注点聚焦于应用层面，而
对基础架构和底层系统关注不足，导致金融科技转型方向不明确、发展不稳定；此外，由
于自身定位、战略规划不清晰，金融科技发展路径陷入“盲从”大中型银行业机构的路径
依赖，而不适宜村镇银行这类小型银行的发展。在此基础上，运用 SWOT分析法，分析该
银行金融科技发展的内外部因素，提出该银行应从战略、组织、人才、数据、应用、生态
六个维度推进金融科技发展，建立以用户为中心的金融科技发展体系。
本文的研究成果丰富了农村金融理论研究的内容，对NY村镇银行发展金融科技具有一
定的指导意义，对其他农村小型银行机构的金融科技发展也可以提供一定的借鉴。
关键词：金融科技；村镇银行；创新发展
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ABSTRACT
With the integrated development of new-generation information technology and finance, it has triggered
profound changes in commercial banks’ service methods, management models, and competitive landscape, and
has spawned a wave of transformation and upgrading of commercial banks. As a bank established with the
original intention of serving "agriculture, rural areas and farmers", under the current background of the
country’s comprehensive implementation of the rural revitalization strategy, the Country Banks have a great
effect and far-reaching significance in enriching and improving the rural financial system, solving the problems
of insufficient rural financial supply and insufficient competition. At present, under the combined effect of the
basic urban and rural coverage of the Internet, the popularization of smart phones, and the impact of the new
crown pneumonia epidemic, the financial consumption habits of Chinese residents have been transformed
online, some large commercial banks have successfully implemented the transformation and upgrading of their
business strategies as well as promoted the sinking of inclusive finance business through the implementation of
financial technology development strategies, large commercial banks “one rise and one sink” two-way force,
further squeezing the development space of small and medium-sized banks. Facing the pressure of market
competition brought by the transformation of financial technology, how to use new technology to deconstruct
and reshape traditional operation and management, and to enhance their competitiveness through the
application and innovation of financial technology is an urgent problem for the Country Banks to solve.
Reviewing the literature found that current research mainly focuses on the financial technology
development of state-owned commercial banks and joint-stock banks, scholars are not paying much attention to
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