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With the rapid development of financial science and technology, the Internet financial industry has attracted a large number of financial customer groups with its advantages of convenience and high income, which has a huge impact on the business of traditional commercial banks in China. But at the same time, financial technology also brings many opportunities for the development of commercial banks. Under the pressure of transformation and development, in recent years, major listed banks have paid more and more attention to the application of financial technology in risk control, product and service innovation, and began to actively explore and realize digital transformation. Based on the overview of the current situation of the development of financial science and technology, this paper mainly analyzes the opportunities and challenges faced by the transformation and development of commercial banks under the background of financial science and technology, summarizes the current situation of the combination of traditional commercial banks and financial science and technology in China, and puts forward reasonable suggestions for promoting its better development.

The Transformation and Development of Traditional Commercial Banks Helped by Financial Technology