Research on the Business Operation and Effect of Financial Technology Empowering Agricultural Bank of China_Vol. 2 No. 5 (JSE 2025)_Journal of Statistics and Economics (ISSN: 3005-5733)

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Research on the Business Operation and Effect of Financial Technology Empowering Agricultural Bank of China

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DOI: https://doi.org/10.62517/jse.202511511

Author(s)

Jianguo Zhou*

Affiliation(s)

School of Economics, Guangzhou College of Commerce, Guangzhou, Guangdong, China *Corresponding Author

Abstract

Technologies such as big data, blockchain and artificial intelligence are widely used in the financial industry, giving birth to the rise of financial technology. As one of my country's four largest state-owned banks, Agricultural Bank of China has always been committed to the innovation and development of financial technology. This paper mainly studies the problems of financial technology empowering the business and effectiveness of Agricultural Bank of China and uses a comparative analysis method to analyze the business operation of Agricultural Bank of China from 2016 to 2021. The research results show that financial technology empowers the business of Agricultural Bank of China to achieve good results, including optimization of income structure, innovation of business model using financial technology, improvement of bank customer relationship management capabilities, improvement of risk management capabilities, and growth of operating performance. At the same time, the research results also show that Agricultural Bank of China still faces many challenges in the development of financial technology, such as shortage of talents, poor integration of traditional businesses and new technologies, fierce market competition and low customer acceptance, and put forward corresponding countermeasures. The research in this paper aims to expect that the experience of the development of financial technology of the Agricultural Bank of China can provide certain reference and reference significance for the development of financial technology of other commercial banks.

Keywords

Financial Technology; Agricultural Bank of China; Business Operation; Effect

References

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