中文摘要：

技术和市场发展趋势表明智能可穿戴设备与移动支付的融合将迎来新一轮浪潮,商业银行探索推进智能可穿戴设备在金融领域的应用在经营管理、集团化一站式服务、供应链金融、互联网平台融合、国际化及银联标准方面具有重要的战略意义。为此,商业银行需要与智能可穿戴设备公司共同开展金融应用研究,为后续推广提供决策支撑;实施优势互补的合作策略,探索建立共赢且可持续的商业模式;依托智能手表的安全和便捷性优势,积极构造商业银行新生态。

英文摘要：

The development tendency of technology and market shows the fusion of smart wearable devices and mobile payment will usher in a new wave. The commercial banks explore and accelerate the application of smart wearable device in the financial sector has important strategic significance in the operation management, one-stop service collectivization, supply chain finance, Internet platform integration, internationalization and unionpay standard. Therefore, commercial banks need to jointly carry out financial application research with smart wearable companies to provide decision support for subsequent promotion; implement the complementary cooperation strategy and explore a win-win and sustainable business model; actively construct the new ecology of commercial banks relying on the safety and convenience of smart watches.