摘要
摘要
近年来人工智能、大数据、区块链及“云”的广泛应用，使得科技在金融服务中
的作用逐渐凸显，互联网金融如雨后春笋般出现，对传统商业银行业带来了巨大
的冲击。客户对于金融产品的需求和消费习惯逐渐发生了变化，一些新型线上的
余额理财产品以其便捷、直观、灵活的优势，令人们对金融产品和服务有了更多
的选择，传统银行金融产品和服务模式已逐步被市场淘汰；其次，大量金融科技
公司的涌现使得传统商业银行的竞争对手发生了变化，从银行间的竞争演变为金
融科技公司与传统商业银行之间的博弈，且竞争愈发激烈；国有银行和大型商业
银行及时觉醒，凭借优良的背景及其雄厚的资产实力率先开始了转型之路，他们
加大了与互联网公司、金融科技公司的合作，不断摸索“互联网+金融”的运营新
模式，如今已逐渐凭借新的“互联网+金融”运营模式在新兴的金融市场上占有了
一席之地，这进一步导致 X商业银行这样的中小型商业银行的生存空间愈来愈窄。
X商业银行充分的意识到金融与科技的融合发展已是大势所趋，在2017-2019
年进行了战略转型发展与尝试。X商业银行通过冷静的进行 PEST分析，利用政治、
社会、技术、经济环境变化来剖析公司所面临背景，结合 SWOT剖析企业的优势
和劣势，抓住金融科技发展机遇的同时，顺应金融科技的发展趋势，借势互联网
平台、依托金融科技、数字化等技术，主动地自我变革，转“危”为“机”，通
过应用大数据、区块链、云计算等新兴技术，结合外部资源和自身优势制定转型
战略决策，大力发展金融生态银行，开创了新的局面。
X商业银行转型成功的案例，为传统的中小型商业银行树立了一个范例，使
得待转型的商业银行可参考其转型经验，同时结合自身情况进行创新转型。
关键词：战略决策；商业银行；金融科技；生态银行；转型
Abstract
Abstract
In recent years, the extensiveapplication of artificial intelligence, big data,
blockchain and"cloud" has madethe roleof technology infinancial services
increasingly prominent. Internet finance has sprung up like mushrooms, bringing a huge
impact on the traditional commercialbanking industry. Customers' demands and
consumption habits for financial products are gradually changing. Some new online
balance financialproducts, withtheir advantages ofconvenience, intuitionand
flexibility, provide people with more choices for financial products and services.
Traditional bank financial products and services have been gradually phased out of the
market. Secondly, the emergence of a large number of fintech companies has changed
the competitors of traditional commercial banks, from the competition among banks to
the game between fintech companiesand traditional commercial banks, and the
competition is increasingly fierce. State-owned banks and large commercial banks woke
up in time and took the lead in the transformation with their excellent background and
strong asset strength. They increased the cooperation with Internet companies and
financial technology companies and continuously explored the new operation mode of
"Internet + finance". Nowadays, it has gradually gained a place in the emerging
financial market by virtue of the new "Internet + finance" operation mode, which further
leads to the increasingly narrow living space of small and medium-sized commercial
banks like X Commercial Bank.
Fully aware that the integration of finance and technology has become the trend, X
Commercial Bank has carried out strategic transformation development and attempts
from 2017 to 2019. X commercial Banks through the calm PEST analysis, using the
political, social, technology, to analyze the company facing economic environment
changebackground,combinedwiththe SWOTanalysistheadvantagesand
disadvantages of the enterprise, seize financial technology development opportunities at
the same time, comply with the financial trend of the development of science and
technology, the Internet platform to borrow, relying on the financial science and
technology, digital technology, such as the initiative to change myself, By applying
Abstract
emerging technologies such as bigdata, block chain and cloud computing, and
combining external resources and its own advantages, it has made strategic decisions for
transformation and vigorously developed financial ecological banks, thus creating a new
situation.
The successful transformation case of X Commercial Bank sets an example for
traditional small and medium-sized commercial banks, so that commercial banks to be
transformed can refer to their transformation experience and carry out innovative
transformation according to their own situation.
Keywords:Strategic decision making,Commercial banks,Fintech,
Ecological bank,Transformation