产业互联网时代商业银行转型发展研究

Research on theTransformation and Development of Commercial Banks in the Industrial Internet Era

产业互联网是数字经济重要的发展方向,是支持我国产业升级的创新性解决方案。商业银行通过前瞻性布局切入产业互联网构建,适应产业互联网特性,既是提升金融服务实体经济能力的要求,也是抓住机遇实现自身发展、改变竞争格局的需要。目前我国产业互联网已经呈现出蓬勃发展的态势,商业银行在战略布局过程中应注意将自身特点与产业特征相结合,提升数据运营能力,力争成为产业互联网时代的数据运营单位,同时要着重革新组织构架和运营模式,培育创新氛围和数字化运营理念,全面提升自身服务实体经济发展的能力,力争在产业互联网时代形成全新金融服务业态。

Industrial Internet is an important development direction of the digital economy and an innovative so⁃lution to support China's industrial upgrading.Commercial banks cut into industrial Internet construction through a forward-looking layout,adapting to the characteristics of the industrial Internet,which is not only a requirement to enhance the ability of financial services to the real economy,but also a need to seize opportunities to realize their own development and change the competitive landscape.At present,China's industrial Internet has shown a vigor⁃ous development trend.During the strategic layout process,commercial banks should pay attention to combining their own characteristics with industrial characteristics,improve data operation capabilities,and strive to become a data operation unit in the era of industrial Internet.At the same time,commercial banks should focus on reforming the organizational structure and operating model,cultivating an innovative atmosphere and digital operation con⁃cepts,comprehensively improving their ability to serve the development of the real economy,and strive to form a new financial service format in the era of industrial Internet.