中文摘要
伴随着“十三五”和“十四五”规划的相继出台与全面落实，我国明确确立了网
络强国的发展思路，坚持以创新、自主为中心，自立自强为国家战略发展目标，将经
济发展工作的重点放在实体经济上，以形成现代金融与实体经济协同发展的现代化产
业链系统。在全面推进互联网强国的建设过程中，积极促进数字经济、数字社会、数
字政府的发展，以数字化转型技术驱动社会生产力、生活方式和治理方式的变革，整
体实现数字中国、互联网强国建设的崭新局面，全面迎接数字时代的来临。
场景金融服务利用新一代信息技术，将金融服务产品与业务无缝地渗透到数字经
济社会的各个环节，是现代金融机构助力实体经济、服务实体经济与社会民生的重要
载体，是防范金融风险、推进金融服务变革的主要责任担当。受贸易摩擦、新冠肺炎
疫情等外界原因影响，场景金融通过互联互通、大数据感知、精准决策等技术优势，
整合资源高效配置、产业融合发展，实现渠道线上化、服务实时化、运营数字化、流
程智能化的全新模式，有望成为经济加速发展的主推力量。
本文以中国工商银行E分行场景金融业务发展为主要研究对象，首先整合了我国
发展网络强国、数字中国等各类关于场景金融建设方面的有关背景资料，分类检索国
内外相关文献，以查找搜集到的国内文献为基础，阐述了场景金融业务的内涵、理论
基础及发展历程。然后以长尾理论、金融共生理论、顾客价值理论为本文研究的理论
基础，运用文献分析法、对比分析法、案例分析法、调查研究法相互结合进行深入剖
析，对我国商业银行场景金融业务目前发展模式、发展情况、存在的问题进行阐述。
其次针对本文的研究对象：中国工商银行E分行，对其基本情况与场景金融业务发展
现状、存在问题进行归纳概述，结合鄂尔多斯市Z医院智慧医疗项目和鄂尔多斯市C
旅游区智慧景区项目作为案例进行深入分析研究，提出中国工商银行E分行场景金融
业务发展中存在以下问题：业务发展落后，介入合作较浅；固有模式繁琐，管理服务
不到位；科技力量薄弱，队伍建设不足；缺少管理体系，风险防范较难等问题。最后
根据中国工商银行E分行场景金融业务发展现状及存在的问题，得出中国工商银行E
分行场景金融业务后续发展要因地制宜选择合作模式、因客所需推进平台建设、因时
而进强化人才培养、因势利导加强风险防控的发展策略。
关键词：场景金融；中国工商银行 E分行；客户需求；客户群体

ABSTRACT
With the implementation of the “13th five-year”and “14th
five-year”plans, the strategic idea of implementing a cyber power was clearly
put forward, the core position of innovation in the overall modernization drive
was upheld, and self-reliance in science and technology was taken as the
strategic support for national development, we will focus our economic
development on the real economy, build a modernized industrial system
featuring the coordinated development of the real economy and modern
finance, meet the digital era, and press ahead with the building of a strong
country through the Internet, we will accelerate the building of a digital
economy, a digital society and a digital government, drive the transformation
of the mode of production, way of life and governance through a digital
transformation, and realize a digital China and a cyber power as a whole.
Scenario finance integrates financial products and services into digital
economy through new technology. It is an important carrier for finance to
support real economy and serve people’s livelihood. It is also the
responsibility of preventing and controlling financial risks and deepening
financial reform. Influenced by external factors such as trade friction and the
epidemic of new crown pneumonia, scene finance integrates the efficient
allocation of resources and the integrated development of industry through the
advantages of interconnection, data perception and accurate decision-making,

the realization of on-line Channel, real-time service, digital operation
and intelligent process is expected to become the main driving force for
accelerated economic development.
This paper takes the development of scenario finance business of ICBC
E Branch as the main research object. Firstly, it integrates all kinds of relevant
background information about scenario finance construction, such as China's
development of network power and digital China, classifies and searches
relevant literature at home and abroad, and expounds the connotation,
theoretical basis and development process of scenario finance business based
on the collected domestic literature. Then, based on the long tail theory,
Financial Symbiosis Theory and customer value theory, this paper makes an
in-depth analysis by using the combination of literature analysis method,
comparative analysis method, case analysis method and investigation and
research method, and expounds the current development mode, development
situation and existing problems of scenario financial business of commercial
banks in China. Secondly, aiming at the research object of this paper: ICBC of
E Branch, this paper summarizes its basic situation, the development status
and existing problems of scene financial business, makes an in-depth analysis
and research combined with the smart Medical Project of Z hospital in Ordos
and the smart scenic spot project of C tourist area in Ordos, and puts forward
the following problems in the development of scene financial business of
ICBC E Branch: business development is backward, Shallow involvement
。。。以下略