Research On The Development Mode Of Scenario Finance In Commercial Banks

Scenario is an important trend of financial development in the future.Since 2015,after the traditional financial business overlaps with big data,cloud computing,mobile Internet and other elements,the financial Internet has been accelerated.The financial business is more and more closely embedded in people's daily life,and the concept and application of scenario finance have been born.Alibaba,Tencent,Jingdong and other Internet Company rely on their accumulated resources advantages,and have established a strong leading edge in the financial development of the scene.For example,Alipay,WeChat payment,Jingdong white bar and so on have been deeply integrated into the lives of the residents.Comparatively speaking,due to the scale,system and other reasons,the scene finance of commercial banks started late.However,in recent years,driven by Internet finance,5G,blockchain,mobile Internet and big data technology,more and more domestic commercial banks have begun to explore the construction of scenario finance.Through self built scenarios,integrating scenarios,sharing scenarios and other ways,they connect financial products and services with various scenarios,reform their organizational structure,marketing system,etc.,and improve the stickiness of high customers to commercial bank scenario finance,establish competitive advantages with banks and Internet finance companies gradually.The development of scenario finance has a great impact on the operation of commercial banks.Finance is more personalized,scientific and living,which directly promotes the transformation and development of commercial banks' business,greatly improves the efficiency and quality of commercial banks' financial services,and also changes consumers' cognition and consumption habits of finance.On the other hand,the development scenario finance of commercial banks is also facing many risk challenges and difficulties,which need to be paid attention by the financial regulatory authorities and commercial banks.This Article first analyzes the research of domestic and foreign experts and scholars on scenario finance,then analyzes the concept and characteristics of scenario finance,summarizes the development environment of scenario finance in China,as well as the impact of scenario Finance on the business operation of commercial banks;by summarizing the current development of scenario finance,introduces the participants of current scenario finance and four kinds of construction models of scenario finance;analyses models of China Construction Bank and China Merchants Bank specially,and compares the advantages and disadvantages of the two construction models;analyses the main problems and potential risks of scene finance of China's commercial banks.Finally,from the perspective of promoting the healthy development of scenario finance in China,this paper puts forward some suggestions,such as innovating the organizational structure and scenario finance symbiosis platform to adapt to the development of scenario finance,focusing on building a closed-loop scenario finance ecology,reshaping the marketing system of commercial banks,developing personalized and characteristic financial products,introducing and cultivating financial science and technology talents,and strengthening the control of scenario financial risks.Finally,it is suggested that the financial supervision department should vigorously support the development of scenario finance for commercial banks,and commercial banks should select their own construction mode based on their own reality,realize financial empowerment,and promote the coordinated development of the main business and scenario finance of commercial banks.