Fintech Helps the Bank of Changsha to Build An Ecological Banking Paradigm

Abstract

The wind of science and technology has violently impacted the financial ecology and gradually overturned the traditional business model of commercial banks, so that banks have promoted fintech to a strategic height, in order to realize the multiplication of customer base, the doubling of benefits and the doubling of cost. In addition, the traditional lending financial model has been out of time, and what customers need is no longer breakpoint services. People's daily life and business behavior of enterprises have already been networked and systematized, which has become a node on the whole social ecological network, and financial services must be platform and ecological. In this context, The Bank of Changsha has made rapid countermeasures. On the basis of always focusing on the "three positioning" of urban commercial banks, it puts forward the development concept of building financial tech ecology, local living ecology, industrial investment ecology, industrial investment banking ecology and market investment ecology. Under the guidance of precise strategy and clear system, the construction path of ecological bank has become more clear, and the balanced growth of operating value, quality and scale has been realized, and the business structure has been continuously optimized. This paper analyzes the specific measures of the Bank of Changsha, and puts forward some suggestions for the construction of ecological bank, in order to have certain reference value for small and medium-sized banks to break through the difficulties.