Analysis Of The Effectiveness Of The Ecological Construction Of Retail Finance Scenarios In The Bank Of China APP

In 2022,the State Council and People’s Bank of China successively issued the 14 th FiveYear Plan for the Development of the Digital Economy and the Fintech Development Plan(2022-2025),calling for accelerating the digital transformation of the financial sector and building a customer-and scenario-centric financial service system.After a long period of development,Bank of China has made many achievements in the ecological construction of retail financial scenarios,but there are also some shortcomings,so it analyzes all aspects of the ecological construction of retail financial scenarios of Bank of China,aiming to enrich the innovative application of financial scenarios and help the innovative development of commercial banks’ financial scenarios.Through the use of case analysis method,literature research method and comparative analysis method,the retail financial scene of Bank of China is introduced,focusing on the development of four major financial scene ecology of cross-border,sports,silver hair and education,and integrating it into the online platform of mobile banking,and continuously developing mobile banking life scenarios,driving low-frequency scenarios with high-frequency scenarios to form a financial scene ecosystem.Taking the Bank of China mobile banking APP as a case study to analyze and summarize the motivation of Bank of China’s retail finance scene construction,this paper deeply analyzes the construction status of mobile banking scene ecology:scene traffic,user stickiness and user experience,and comprehensively evaluates the achievements of Bank of China mobile banking scenario construction by using the entropy value method.Through analysis,it is found that Bank of China’s mobile banking scenario traffic continues to increase,but the user coverage rate is not comprehensive enough,and user stickiness and user experience need to be further improved.In addition,this paper analyzes the benefits of Bank of China’s retail financial scenarios.From the perspective of the impact mechanism,commercial banks can expand customer coverage through the construction of financial scenarios,increase and tap potential customers,thereby increasing scenario traffic,and using mobile banking monthly activity data The growth rate is used as an explanatory variable,and the explanatory variable selects the growth rate of return on net assets of commercial banks,capital adequacy ratio,non-performing loan ratio,deposit-loan ratio,and GDP growth rate as control variables.ability to have a positive impact.In terms of financial effect analysis,from the analysis of Bank of China ’ s operating profit,business composition and mobile banking transaction volume,the ecological construction of Bank of China’s retail financial scene is conducive to the growth of operating profit,and with the development of retail financial scene construction,China ’ s The bank’s data analysis capabilities are continuously enhanced,customer basic data is more comprehensive,and data sharing among various institutions is more convenient,which has continuously enhanced the risk control capabilities of Bank of China.At the same time,the ecological construction of financial scenarios can promote the inclusiveness of financial services by integrating financial services with financial resources,meet user needs,and protect and improve people’s livelihood.Finally,the full text is summarized and experience enlightenment is put forward,which provides reference for the ecological construction of Bank of China’s retail financial scene and the construction of the whole industry’s financial scene.