摘要在我国的金融市场中，商业银行扮演着举足轻重的角色，它对维护国家金融系统的稳定和经济的发展起着举足轻重的作用。商业银行通过资产业务或负债业务为企业或个人融资，从而向社会提供流动性。在过去十几年中，科学技术发生了天翻地覆的变化，同时也变革了金融服务的方式。从数字货币到区块链的应用，金融界正在加速创新，科学技术与金融的系统结合在中国得到了迅猛发展。因此，在一定程度上，金融技术的发展对商业银行的原有各项业务都产生了一定的影响，进而影响到银行的流动性。本文以广发银行郑州分行为例，研究在金融科技背景影响下商业银行的流动性变化。本文先是对金融科技的时代背景做了简单地介绍，以及对商业银行的流动性的含义及特点进行了简述，而且还提及了商业银行的流动性指标和研究金融科技对商业银行流动性影响得必要性。然后对广发银行郑州分行目前的流动性现状进行分析，接下来是在上文的基础上发现该银行目前流动性存在的问题，最后是就发现的问题提出解决的对策。关键词：金融科技，流动性，风险管理AbstractCommercialbanksplayanextremelyimportantroleinChina'sfinancialmarketandareimportantfinancialinstitutionswithstableandeconomicstabilityinChina'sfinancialsystem.Commercialbanksfinancebusinessesorindividualsthroughassetbusinessorliabilitybusiness,therebyprovidingliquiditytosociety.Overthepastdecade,scienceandtechnologyhavechangeddramatically,aswellasthewayfinancialservicesareconducted.Fromtheapplicationofdigitalcurrencytoblockchain,thefinancialcommunityisacceleratinginnovation,andthecombinationofscienceandtechnologyandfinancialsystemshasdevelopedrapidlyinChina,sotheemergenceoffinancialtechnologyhasaffectedvariousbusinessesofcommercialbankstoacertainextent,thusaffectingtheliquidityofbanks.ThisarticletakestheZhengzhouBranchoftheDevelopmentBankasanexampletostudytheliquiditychangesofcommercialbanksunderthebackgroundoffinancialtechnology.Thefirstisabriefdescriptionofthebackgroundoftheeraoffinancialtechnologyandthemeaningandcharacteristicsoftheliquidityofcommercialbanks,mentioningtheliquidityindicatorsofcommercialbanksandtheimpactoffinancialtechnologyontheliquidityofcommercialbanks.ThenthecurrentliquiditysituationofGuangfaBankZhengzhouBranchisanalyzed,followedbytheproblemsexistinginthebank'scurrentliquidityonthebasisoftheabove,andfinallythecountermeasurestosolvetheproblemsfoundareproposed.Keywords:Fintech;Liquidity;RiskManagement目录摘要...........................................................................................................................................IAbstract.....................................................................................................................................II绪论...........................................................................................................................................11金融科技背景与银行流动性概述..........................................................................................21.1金融科技背景简介...........................................................................................................21.1.1金融科技的定义........................................................................................................21.1.2金融科技在银行中的业务应用................................................................................21.2商业银行流动性概述.......................................................................................................31.2.1商业银行流动性的定义........................................................
