城商行如何推动交易银行数字化转型

Promote Digital Transformation of Urban Commercial Banks

当前,城商行面临着净利润增幅趋缓、不良压力较大、资本补充渠道不畅、零售业务发展缓慢、负债成本较高等制约,导致其经营发展遇到困境,服务实体经济能力受限。贡献利润占比较高的公司业务转型尤为关键,发展交易银行,向轻资产模式转型,为企业提供综合化金融服务,成为较多城商行的选择。城商行在交易银行发展方面,应着重找准自身定位,增强交易服务能力,搭建丰富的交易服务场景,加大金融科技赋能。

At present,the development of transaction banks to transform into an asset-light model and provide comprehensive financial services to enterprises has increasingly become the choice of many city commercial banks.In terms of the development of transaction banks,city commercial banks should focus on identifying their own positions,enhancing transaction service capabilities,building rich transaction service scenarios,and increasing financial technology empowerment.