摘要
随着中国社会经济的发展和金融科技的迅速发展、扩大内需的长效机制逐步建立，
需求结构已经发生了深刻的变化，传统商业银行的转型面临重大挑战与机遇，金融与科
技的结合逐渐成为必然趋势。金融科技不仅仅是赋予金融本身，也让相对成熟的技术在
金融领域得以应用，进一步推动这些技术在更广的范围服务经济增长和社会发展。大零
售时代是一个重要的方向，金融科技不断迭代更新，当前国内经济增长动力逐渐向消费
过渡，人口红利向消费红利转变，消费升级态势愈发明显，使得零售业务逐渐成为银行
的核心业务领域，零售业务将为银行发展提供巨大的增量空间，成为银行新的重要引擎。
着重发展零售业务是商业银行产业升级突围的必然选择，同时能够避免系统性风险冲击，
金融科技与银行零售业务的深度融合将是零售银行业务转型发展的趋势。
平安银行零售业务近年来发展态势迅猛，成长性强。始终坚持以科技引领、零售突
破为策略方针，以综合金融和科技创新为抓手，注重科技创新能力提升，致力于建设世
界领先智能化零售银行。依托平安集团核心技术和资源，推动“金融 +科技”双轮驱动模
式，将大数据、区块链、人工智能、云计算、生物识别等新科技赋能零售业务，持续加
大科技力量注入，持续提升服务品质和品牌影响力。
本文通过查阅文献和分析数据，运用长尾理论、负债管理理论等基础理论，通过分
析平安银行零售业务中基础零售、私行财富、消费金融三大模块的持续升级发展，表明
平安银行“金融+科技”模式的应用具有成效。根据零售业务管理中应用大数据、人工智
能+智能服务模式、云计算打造平安云生态圈等“金融 +科技”驱动效应，打造平安银行
独特竞争优势，提出了商业银行要重视金融科技力量、注重客户需求、吸收培养科技人
才等启示。尝试为我国股份制银行科技赋能于金融梳理方向，探求增强我国股份制商业
银行竞争力，对我国其他股份制银行零售业务发展提供借鉴。
关键词：
金融科技；平安银行；零售业务
I

Abstract
With the development of China's social economy, the rapid development of financial
technology and the gradual establishment of a long-term mechanism to expand domestic demand,
profound changes have taken place in the demand structure. The integration of Finance +
technology has gradually become the general trend. The transformation of traditional commercial
banks has ushered in major challenges and opportunities. Financial technology not only endows
finance itself, but also applies relatively mature technologies in the financial field to further
promote these technologies to serve economic growth and social development in a wider range.
The era of big retail is an important direction. Financial technology is constantly updated. At
present, the driving force of domestic economic growth is gradually transitioning to consumption,
and the demographic dividend is changing to consumption dividend. The rising trend of
consumption is becoming more and more obvious, which makes retail business gradually become
the core business field of banks. Retail business will provide huge incremental space for the
development of banks and become a new important engine of banks. It is pointed out that the
development of retail industry is a necessary condition for commercial banks to overcome
industrial upgrading. At the same time, avoid systemic risk impact. The deep integration of fintech
and Banking Retail business will be the trend of retail banking business transformation and
development.
Ping An Bank's retail business has developed rapidly in recent years. Always adhere to the
strategic policy of science and technology leading and retail breakthrough, pay attention to the
comprehensive innovation of Finance and science and technology, and attach great importance to
the ability of scientific and technological innovation, and seek to build a world leading intelligent
retail bank. Relying on the core technologies and resources of Ping An Group, promote the
"Finance + technology" two wheel drive mode, empower the retail business with cutting-edge
technologies such as big data, block chain, artificial intelligence, cloud computing and biometrics,
continue to increase the injection of scientific and technological power, and continuously improve
the service quality and brand influence.
II
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