金融科技驱动下商业银行信贷业务数字化转型研究

Research on digital transformation of commercial bank credit business driven by financial technology

随着互联网、大数据、云计算、区块链、人工智能等信息技术与金融业务深度融合,融资模式不断创新和发展,作为商业银行最核心、最基础的信贷业务不可避免地受到剧烈影响。面对信贷业务数字化转型中的困局,商业银行需从强化数据治理、打造强有力的金融科技人才队伍、建立有效的容错纠错机制、持续优化信贷风控模型等方面进行改进,以实现信贷业务的发展转型。

With the rapid development of financial science and technology,information technology such as Internet,big data,cloud computing,blockchain,and AI are deeply integrated with financial services,and the financing model is continuously innovated and developed.As the core and most basic business of commercial banks,the credit business is inevitable to be severely affected.In the face of the difficulties in the digital transformation of credit business,commercial banks need to strengthen data governance,build a strong team of financial science and technology talents,establish an effective fault-tolerant and error correction mechanism,and continuously optimize the credit risk control model to optimize the development and transformation of credit business.