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热词推荐: 能源基础设施

商业银行数字化转型探索与实践

文章摘要

“十四五”规划指出,加快数字化发展,建设数字中国。推动企业数字化转型是数字经济发展的必经路径。作为实体经济金融血脉的商业银行,在数字中国的建设中发挥着不可替代的作用,其自身的数字化转型也是数字化发展的典型样本。2013年至今,我国商业银行的数字化转型已经走过了十多个年头,取得了举世瞩目的成绩,然而银行业务产品线多、客户多元、需求复杂,数字化转型还存在诸多不足,面临种种挑战。以零售业务为例,目前,商业银行的零售数字化转型已步入转型引领业务发展的转型深水区,数字化转型的引领性定位对商业银行提出了新的要求,不再是简单地将数字技术应用到业务当中,而是要从战略定位、体制和机制等方面与数字化深入融合。坚持目标导向原则,按照数字化转型引领商业银行业务发展的战略方向,结合银行自身资源禀赋,因“行”制宜地建立数字化转型模式;全面提升银行业务的线上化、体系化、智能化,实现产品、服务、渠道、管理、人员、技术等方面的全面数字化转型,以高质量的业务增长推动高质量的商业银行可持续发展目标的实现。

Abstract

The “14th Five-Year Plan” points out:accelerate digital development and build Digital China. Promoting the digital transformation of enterprises is an inevitable path for the development of the digital economy. As the backbone of the real economy and finance,commercial banks play an irreplaceable role in the construction of Digital China,and their own digital transformation is also a typical example of digital development. Since 2013,the digital transformation of commercial banks in China has been going on for ten years,achieving remarkable results. However,due to the diversity of banking business products,diverse customers,and complex demands,there are still many deficiencies in digital transformation,facing various challenges. Taking retail business as an example,the digital transformation of commercial banks has entered a deep water area where transformation leads business development. The leading position of digital transformation puts forward new requirements for commercial banks,no longer simply applying digital technology to business,but integrating digitalization deeply from strategic positioning,system,and mechanism aspects. Adhering to the principle of goal orientation,according to the strategic direction of leading business development of commercial banks by digital transformation,and combining with the bank’s own resource endowment,establish a digital transformation model that is tailored to the situation. Comprehensive enhancement of the online,systematic,and intelligent aspects of bank business,achieving comprehensive digital transformation in terms of products,services,channels,management,personnel,technology,etc.,and promoting the realization of high-quality business growth to drive the sustainable development goals of high-quality commercial banks.

作者简介
王洪志:王洪志,中国电信集团金融行业首席特聘专家,中国管理科学学会金融研究院特聘金融科技专家,西交利物浦大学行业导师,苏州盈天地资讯科技有限公司董事长兼CEO,研究方向为商业银行、数字化转型、营销科技。
任师迁:任师迁,上海大学专业硕士研究生导师,苏州盈天地资讯科技有限公司副总裁,研究方向为银行数字化转型、消费金融、金融科技、数字化营销与运营。