Research On NC Banking Business Transformation Strategy Under The Background Of Financial Technology

The progress of science and technology promotes the development of financial technology and has a huge impact on the traditional financial industry.Meanwhile,with the help of advanced technology such as big data and cloud computing,financial technology has realized the innovation of financial business.Under the background of continuous progress of financial technology,the financial industry structure dominated by traditional commercial banks is broken.Although in the short term,the development of financial science and technology does not directly take the position of the mainstay of commercial banks,but it has a lot of influence on the traditional payment,settlement,financial management and other business of commercial banks.At present,the total volume of commercial banks is eroded by financial science and technology,and has also diverted many commercial banks' business,which has contributed to the reduction of profit and interest rates of commercial banks.In the long run,the continuous expansion and development of financial technology is bound to pose a serious threat to the core position of commercial banks in the financial industry.Based on the above background,this paper takes NC bank as an example and studies the business transformation of commercial banks under the background of financial science and technology.First,the influence of financial science and technology on commercial banks in China is studied.It is found that the impact of financial science and technology on commercial banks includes the influence of their income sources,the weakening of mediator roles,and the influence of their customer base,Change the traditional business model and other aspects,and combined with the NC bank examples to analyze,respectively from the payment business,deposit scale,loan business,agency business four aspects of the specific impact of financial technology on NC bank,based on the above analysis,and combined with the actual situation of NC bank,put forward NC Silver The strategy of business transformation under the background of financial science and technology includes the construction of Internet channels,the strengthening of information construction,the competition relationship between the development and the financial science and technology companies,the Internet thinking that pays attention to the customer experience,the change of the business model,and the strengthening of the talent construction,so as to think that the NC bank is in the Internet financial background.The next successful business transformation provides a reference.