商业银行的管理以“稳健”文化为导向。金融科技是新事物，由于商业银行求稳

Commercial bank's management to "stable" culture-oriented. Financial technology is something new, because the commercial banks wanted stability of the system, there are complex considerations in accepting new things, can not respond fast, easy to miss the opportunity to finance the technological era of innovation and transformation. In addition, under the "prudent" cultural systems, management of the business emphasis on standardization, process more cumbersome. In this management system, financial business long approval process, R & D and design cycle is long, resulting in commercial banks slow reaction to the financial needs of the market, will not be able to timely information technologies into the practice of identifying, obtaining, maintaining customer relations process found market opportunities.

The management of commercial banks is guided by a "robust" culture. Fintech is a new thing, because of the stable system of commercial banks, there are complex considerations in the acceptance of new things, can not be quickly coped with, easy to miss the opportunity of innovation and transformation in the era of fintech. In addition, under the "robust" cultural system, the operation of the various businesses emphasize the standard, the process is more cumbersome. Under this management system, the long approval process and the long development and design cycle of the financial business cause the commercial banks to be slow to respond to the financial needs of the market, and can not apply the relevant information technology to the actual identification, acquisition and maintenance of customer relations in time, and discover market opportunities.

The management of commercial banks is guided by "steady" culture. Financial technology is a new thing. Due to the stability seeking system of commercial banks, there are complex considerations in the acceptance of new things, which cannot be dealt with quickly, and it is easy to miss the opportunity of innovation and transformation in the era of financial technology. In addition, under the "steady" cultural system, all businesses are standardized and complicated. Under this management system, the long process of financial business approval and the long cycle of R & D and design lead to the slow response of commercial banks to the market financial demand, and they are unable to apply the relevant information technology to the actual process of identifying, acquiring and maintaining customer relationship in time to find market opportunities.