Make full use of financial technology empowerment to solve the management pain points of commercial banks.

Financial technology refers to new business scenarios, emerging business models, innovative products and services that have a significant impact on financial market products and financial services with blockchain technology as the core and modern scientific and technological means such as cloud computing, big data, artificial intelligence and Internet of Things. The purpose is to reduce operating costs, improve transaction efficiency, enhance enterprise efficiency and improve customer experience. Empowering financial technology to solve the pain points of commercial bank management is mainly reflected in the following aspects:

1. Use blockchain technology to develop a DAO organization and management platform for bank customers, and build a customer service platform by developing a bank old customer maintenance and mining system to provide customers with high-quality, efficient and point-to-point services.

The second is to establish a "7S" risk control model by using big data, cloud computing and other technologies, and develop a bank's full-process risk control system to control the non-performing rate of credit assets within a specified proportion, effectively reducing operational risks.

Third, make full use of the combination of artificial intelligence and big data technology, build a loan collection platform, and quickly solve the customer's loans overdue problem.

Four, make full use of financial technology, develop the bank's "meta-universe" human training platform, effectively solve the training problems of new and old employees, improve efficiency and reduce costs, and constantly improve the quality of employees at all levels.

5. Use blockchain and other technologies to develop a product marketing service platform system, so that customers can enjoy banking services anytime, anywhere and by anyone.

6. In view of the digital transformation of banks, on the one hand, we should do a good job in top-level design from the strategic level, on the other hand, we should strengthen the awareness of employees' financial technology to empower banks, effectively help enhance competitiveness, reduce risks, improve efficiency, and actively support and promote the digital reform of the banking industry.

7. With the deepening of the application of financial technology, it has brought great impact to the traditional management mode and mechanism of banks. The banking business has gradually shifted from offline to online to realize "cloud", intelligent services, digital products, virtual management and functional mechanisms. Commercial banks should make full use of financial science and technology innovation in order to remain invincible in the fierce market competition.