摘要
摘要
近年来伴随着网络技术的快速发展，使得各行各业与互联网金融联系日趋
密切，进而伴随着开放银行概念的提出，使我国开放银行战略在应用过程当中
借助人工智能程序、编程等多项技术，能够更好的使商业银行的传统服务范围
得到提升，进而对客户的体验感得到增强，可让客户随时随地的获得银行服务。
因此，在开放银行战略实施过程当中，开放银行战略会需要与第三方机构和客
户三者进行结合，银行与第三方机构之间既存在着竞争，又存在着合作关系。
基于此，本文采用文献研究法、实地调研法、调查统计法等展开研究，论
文首先对浦发银行开放银欧亿·体育（中国）有限公司务的现状进行分析，运用 SWOT分析法对浦发银
行的开放银行战略的实施进行全面的阐述；其次，本文提出在开放银行环境下
浦发银行面临的风险包括外部风险和内部风险两个部分；最后结合美国、加拿
大、德国、法国以及国内其他商业银行的开放银行战略经验作为依托，提出本
文对浦发银行开放银行市场下所面临的各项风险防控措施。
本文认为，在外部风险防控方面，浦发银行应有效规避国际政治形势带来
的风险、加强内部控制体系的构建，实现自我监管、提高API端技术研发投入、
加强数据安全管理、关注互联网金融市场，创新改革；在内部风险防控方面，
浦发银行应做到重塑企业文化，拓展银行开放程度、强化科技支撑，加强产品
个性化、制定准入标准，加快制定规范性文件、加强安全管理，提高风险防控
能力。通过对浦发银行开放银行风险防控措施的实施，能够更好的将开放银行
研究理论应用到实际案例当中，使开放银行在发展过程当中所面临的各项风险
能够得到全面分析，更好地将自身优势与外部风险相结合，提高浦发银行开发
银行的整体能力。
关键词：浦发银行；开放银行战略；风险分析；对策研究
I

Abstract
Abstract
In recent years, with the rapid development of network technology, all walks of
life have become increasingly close to Internet finance, and then with the proposal of
the concept of open banking, China's open banking strategy can better improve the
traditional service scope of commercial banks with the help of artificial intelligence
program, programming and other technologies in the application process, Further,
the customer's sense of experience is enhanced, allowing customers to obtain
banking services anytime and anywhere. Therefore, in the process of implementing
the open banking strategy, the open banking strategy will need to be combined with
third-party institutions and customers. There is both competition and cooperation
between banks and third-party institutions.
Based on this, this paper uses the methods of literature research, field
investigation and statistics. Firstly, the paper analyzes the current situation of
Shanghai Pudong Development Bank's open banking business, and comprehensively
expounds the implementation of Shanghai Pudong Development Bank's open
banking strategy by using SWOT analysis; Secondly, this paper proposes that the
risks faced by Shanghai Pudong Development Bank under the open banking
environment include external risks and internal risks; Finally, based on the open
banking strategic experience of the United States, Canada, Germany, France and
other domestic commercial banks, this paper puts forward various risk
countermeasures and suggestions faced by Shanghai Pudong Development Bank
under the open banking market.
This paper holds that in terms of external risk prevention and control, Shanghai
Pudong Development Bank should effectively avoid the risks brought by the
international political situation, strengthen the construction of internal control system,
realize self-regulation, improve API end technology R & D investment,
strengthen data security management, pay attention to the Internet financial market,
innovate and reform; In terms of internal risk prevention and control, Shanghai
II

Abstract
Pudong Development Bank should reshape the corporate culture, expand the
openness of the bank, strengthen scientific and technological support, strengthen
product personalization, formulate access standards, accelerate the formulation of
normative documents, strengthen safety management, and improve the ability of risk
prevention and control. Through the implementation of risk prevention and control
measures for open banks of Shanghai Pudong Development Bank, we can better
apply the research theory of open banks to practical cases, comprehensively analyze
the risks faced by open banks in the development process, better combine their own
advantages with external risks, and improve the overall ability of Shanghai Pudong
Development Bank and Development Bank.
Key words: Shanghai Pudong Development Bank; Open banking strategy;
Risk analysis; Countermeasure research
III
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