Evaluation Of Technological And Financial Innovation Ability Of Commercial Banks

The rapid development of global science and technology has driven the wave of financial technology innovation.Financial technology has become a strategic force for the transformation and upgrading of traditional commercial banks.The deep integration of traditional commercial banks and financial technology has become an irreversible development trend.Under the background of rapid development of financial technology and rapid realization of a win-win situation with banks,whether commercial banks can seize the opportunity of win-win development with financial technology and realize the application of financial technology will be the bank's operational competitiveness and realization.The key to business transformation and injecting business vitality.How to evaluate and analyze the scientific and technological innovation ability of commercial banks is also worthy of further discussion.This paper probes into the development of science and technology finance in China's commercial banks,and finds out the problems in the development of commercial banks' technology finance business.Taking 16 commercial banks in China's technology finance business as the research object,this paper uses factor analysis to analyze the technology of China's commercial banks.Innovate the ability to evaluate and point out the future development strategies and recommendations for commercial banking technology finance business.The conclusions of the study are as follows:(1)To find out the problems in the evaluation of the ability of science and finance innovation of commercial banks in China,to assess the immaturity of the environment,to establish an evaluation system,and to set up a special evaluation agency.(2)Constructing the index system for assessing the innovation ability of commercial banks' science and technology finance,and taking the panel data of 16 commercial banks as the research object,and evaluating the technological innovation ability of commercial banks in China.(3)Identifying countermeasures to enhance the ability of commercial banks to innovate in science and technology,reshape the main body of technology finance market,enhance the level of innovation in science and technology finance,promote the development of technology finance business,transform the business model of technology finance,and better realize the technology finance business of commercial banks.Transformation of development.This paper studies the innovation ability of China's commercial banks in science and technology finance,which is not only beneficial to the development of China's commercial banks,but also has a positive effect on the development of China's science and technology finance industry.