Research On The Design Of Financial Technology Innovation Schemes For CCB Xi'an High-tech Sub-branch

At present,economic situation is undergoing tremendous changes domestic and overseas,and the economic and financial structure and trend is constantly changing.With the acceleration of the interest rate marketization process,the new business of finance industry has been rapidly born and iterated under the development of Internet technology.The new technology of fintech,worked as the main driving force of innovation,together with the deep integration of the technology and business,has spawned an endless stream of business models and financial products.In the past,traditional banks relied mainly on homogenization-level competition.While today,this business model faces enormous challenge as the technology companies are disrupting the traditional financial business.These changes have prompted banks to accelerate the progress to develop the forward-looking and far-sighted and difference strategy,to seek high-quality development of the business,and to complete the transformation quickly.Firstly,this paper describes the definition,development history and development trend of fintech and fintech innovation,and analyzes the advantages and disadvantages of fintech innovation in xi 'an hi-tech sub-branch of CCB by theoretical induction,theoretical deduction and empirical analysis,and puts forward a design scheme.Secondly,it comprehensively introduces the fintech innovation strategic objectives of CCB xi 'an gaoxin sub-branch,including the strategic positioning,basic principles,overall objectives and strategic overview of "TOP+",and details the grand blueprint for CCB xi 'an gaoxin sub-branch to implement fintech strategy.And elaborated the construction bank xi 'an high-tech sub-branch finance strategic goal plan in detail,explained the business goal that achieves the strategic goal through the deepening,the application,the innovation finance technology and the implementation effect,from the governance system and the stage goal two aspects,elaborated the finance technology strategy advancement implementation.Finally,the conclusion is drawn that we should adhere to the customer and market orientation,carry out fintech program design and strengthen guarantee mechanism,so as to serve the real economy.