数字技术引领商业银行零售业务发展新阶段数字化转型路径研究

Research on the Path of Digital Transformation in the New Stage of Retail Business Development of Commercial Banks Led by Digital Technology

推动企业数字化转型是数字经济发展的必经路径。作为特殊企业的商业银行,其零售业务转型可以为企业数字化转型提供借鉴和样本。商业银行零售业务产品线多、客户多元、需求复杂,应用数字技术可以实现零售业务的可持续发展与创新融合多元目标。数字技术与商业银行的业务经营关系经历了工具功能、互融功能、引领功能三个发展阶段。目前,商业银行的零售业务转型已步入数字技术引领业务发展的新阶段,数字技术的引领性定位对商业银行零售业务的转型提出新的要求,不再简单地将数字技术应用到零售业务当中,而是要从战略定位、体制和机制等所有涉及到零售业务发展的方面均要体现数字技术的引领作用和引领思路。坚持目标导向原则,按照数字技术引领商业银行零售业务发展的一般性逻辑关系,选准转型的切入点,构建数字化转型模式。全面提升零售业务的线上化、智慧化,实现人员、技术、产品、服务、渠道等全面的数字化转型,以高质量的零售业务增长推动高质量的商业银行可持续发展目标的实现。

Promoting the digital transformation of enterprises is a necessary path for the development of the digital economy.As a special enterprise,commercial banks'retail business transformation can provide reference and samples for enterprises'digital transformation.The retail business of commercial banks has multiple product lines,diverse customers,and complex needs.The application of digital technology can achieve the goal of sustainable development and innovative integration of retail business.The business operation relationship between digital technology and commercial banks has gone through three stages of development:tool function,integration function,and leading function.At present,the retail business transformation of commercial banks has entered a new stage of digital technology leading business development.The leading positioning of digital technology poses new requirements for the transformation of commercial bank retail business.It is no longer simply to apply digital technology to retail business,but to reflect the leading role and ideas of digital technology in all aspects related to retail business development,such as strategic positioning,system,and mechanism.Adhere to the goal oriented principle,follow the general logic of digital technology leading the development of retail business of commercial banks,select the right entry point for transformation,and build a digital transformation model.Comprehensively improve the online and intelligent retail business,realize the comprehensive digital transformation of personnel,technology,products,services,channels,etc.,and promote the realization of high-quality sustainable development goals of commercial banks with high-quality retail business growth.