| With the development of Internet information technology,the technology of financial science and technology products is constantly updated,Mobile payment,cloud computing,big data,artificial intelligence,block chain and other new financial technology penetrates into the financial industry,which leads to the change of financial industry operation mode and the change of financial industry management pattern.From Ant Financial Services,an Internet financial company owned by Alibaba in 2013,Yu' e Bao,to a new virtual currency,Bitcoin,The rapid development of financial technology has attracted the attention of the whole world.People are sighing that financial technology has brought innovation and convenience.At the same time,they are also thinking about the impact of the coming financial technology,The traditional dominant commercial banks in the financial industry need to make a response,and because financial technology has affected the most basic payment and settlement business and credit financing business of commercial banks,commercial banks have been living on the network of business model has also met new challenges.This paper is based on financial technology,commercial bank operation management,network management and other related theory,This paper analyzes the present situation of commercial banks using financial technology,and combines the actual situation of Hubei Agricultural Bank's operation and management,expounds in detail the influence of financial technology on commercial banks by SWOT analysis,and analyzes the transformation scheme of Hubei Agricultural Bank's network under the financial science and technology background,This paper sums up the countermeasures of commercial banks under the financial science and technology,and analyzes the development of business outlets in the financial science and technology background according to the actual operating conditions of Hubei Agricultural Bank,and puts forward some corresponding suggestions. |
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