I 摘要 互联网金融的蓬勃发展全方位冲击了传统商业银行的经营模式，为应对互联网金 融的冲击，国内商业银行已陆续展开智慧化转型的探索，并已取得一定成效。JS银行 是国内龙头商业银行，在智慧化转型方面走在全国同行前列，在实践中出现了不少智 慧化转型的经典案例，对这些智慧化转型的案例进行研究有助于深化学界和业界对于 商业银行智慧化转型的理解，并为未来我国商业银行持续而深入地推动智慧化转型发 展提供启示。 本文研究的主要问题是JS银行在互联网金融的冲击下是如何进行智慧化转型的， 转型过程中会遇到什么困难和阻碍，应当如何克服并提升转型效果。本文是立足于JS 银行智慧化转型的经营实践撰写的案例研究，主要的研究内容是JS银行智慧化转型的 方式、特点和效果，并就案例研究结合互联网金融理论分析不足，提出转型的建议。 本文首先归纳总结了国内商业银行智慧化转型的一般策略，即将科技元素嵌入传统业 务、设置应用场景与提升大数据分析能力、建设金融科技子公司和账户出海。其次， 研究分析了三个JS银行智慧化转型的具体案例，分别是面向居民群体的YJ花园智慧 社区云平台建设项目、面向大型制造业企业客户的FT智慧园区构建项目和面向中小商 户的LST专业市场云平台项目，阐述了JS银行面对不同客户群体具体的智慧化转型方 式，对比分析了以客户需求为导向的智慧化转型中技术应用的区别和特点，以及不同 项目的经济效益，并指出商业银行智慧化转型对于发展普惠金融的重大意义是能够数 字化为银行获客，并通过物联网设备获取客户的相关信息，通过云计算系统使用大数 据技术挖掘这些数据的价值。最后，本文就互联网金融对商业银行的冲击所造成的影 响和JS银行的三个智慧化转型经典案例从技术层面和经济层面进行总结，并建议银行 需要在获客的基础上活客，加快推动账户出海，加速实现全方位风险管理和基于大数 据分析应用的客户精细化管理。 关键词：商业银行；智慧化转型；互联网金融；金融科技 广东工业大学硕士学位论文 II Abstract ThevigorousdevelopmentofInternetfinancehasimpactedthebusinessmodelof traditionalcommercialbanksinanall-roundway.InresponsetotheimpactofInternet finance,domesticcommercialbankshavesuccessivelystartedtoexploreintelligent transformationandhaveachievedcertainresults.JSBankisaleadingdomesticcommercial bank.Itleadsthecountryintermsofsmarttransformation.Manyclassiccasesofsmart transformationhaveappearedinpractice.Researchonthesesmarttransformationcaseswill helpthedeepchemicalindustryandtheindustrytoTheunderstandingoftheintelligent transformationofcommercialbankswillprovideinspirationforthecontinuousandin-depth promotionofthedevelopmentofintelligenttransformationbyChinesecommercialbanksin thefuture. ThemainproblemstudiedinthisarticleishowJSBankhasundergoneintelligent transformationundertheimpactofInternetfinance,whatdifficultiesandobstaclesitwill encounterduringthetransformationprocess,andhowtoovercomeandenhancethe transformationeffect.ThisarticleisacasestudybasedonthebusinesspracticeofJSBank's intelligenttransformation.Themainresearchcontentisthemethod,characteristicsand effectsofJSBank'sintelligenttransformation,andproposestransformationsuggestionson thecasestudycombinedwiththeinsufficientanalysisofInternetfinancialtheory.This articlefirstsummarizesthegeneralstrategyfortheintelligenttransformationofdomestic commercialbanks,thatis,embeddingtechnologyelementsintotraditionalbusinesses, settingapplicationscenariosandimprovingbigdataanalysiscapabilities,andbuilding financialtechnologysubsidiariesandaccountstogooverseas.Secondly,theresearchand analysisofthreespecificcasesofJSbank'ssmarttransformation,namelytheYJgarden smartcommunitycloudplatformconstructionprojectforresidents,theFTsmartpark constructionprojectforlargemanufacturingenterprisecustomers,andtheLSTmajorfor smallandmediummerchantsThemarketcloudplatformprojectelaboratesonthespecific smarttransformationmethodsofJSBankinthefaceofdifferentcustomergroups, comparativelyanalyzesthedifferencesandcharacteristicsoftechnologyapplicationsin smarttransformationbasedoncustomerneeds,andtheeconomicbenefitsofdifferent projects,andpointsoutThegreatsignificanceoftheintelligenttransformationof commercialbanksforthedevelopmentofinclusivefinanceistobeabletodigitize customersforbanks,andobtainrelevantinformationofcustomersthroughIoTdevices,and usebigdatatechnologytominethevalueofthesedatathroughcloudcomputingsystems. 摘要 III Finally,thisarticlesummarizestheimpactofInternetfinanceontheimpactofcommercial banksandthethreeclassiccasesofJSBank’ssmarttransformationfromthetechnicaland economiclevels,andsuggeststhatbanksneedtobebasedoncustomeracquisition,and acceleratethepromotionAccountsgooverseastoacceleratetherealizationof comprehensiveriskmanagementandrefinedcustomermanagementbasedonbigdata analysisapplications. Keywords:CommercialBank;SmartTransformation;InternetFinance;Fintech 广东工业大学硕士学位论文 IV 目录 摘要...........................................................................................................................................I Abstract.....................................................................................................................................II 目录.......................................................................................................................................Ⅳ Contents.................................................................................................................................Ⅶ 第一章绪论.............................................................................................................................1 1.1选题背景与研究意义.................................................................................................1 1.1.1选题背景...........................................................................................................1 1.1.2研究意义...........................................................................................................2 1.2研究内容和研究方法.................................................................................................3 1.2.1研究内容...........................................................................................................3 1.2.2研究方法...........................................................................................................3 第二章理论基础与文献综述.................................................................................................5 2.1理论基础.....................................................................................................................5 2.1.1互联网金融理论...............................................................................................5 2.1.2长尾理论...........................................................................................................6 2.1.3技术溢出理论...................................................................................................7 2.2文献综述.....................................................................................................................8 2.2.1互联网金融发展与长尾理论...........................................................................8 2.2.2互联网金融发展对商业银行的影响研究.......................................................8 2.2.3商业银行智慧化转型研究现状.......................................................................9 2.2.4小结与述评.....................................................................................................11 第三章互联网金融发展与商业银行智慧化转型概况.......................................................12 3.1互联网金融发展现状...............................................................................................12 3.1.1互联网金融实践创新探索与发展.................................................................12 3.1.2互联网金融发展的推动因素.........................................................................13 3.1.3互联网金融发展趋势.....................................................................................14 3.2商业银行智慧化转型概况.......................................................................................15 3.2.1嵌科技元素于传统业务.................................................................................16 3.2.2设置应用场景与提升大数据分析能力.........................................................18 3.2.3建设金融科