银行数字化转型的现状、难点及路径

Current Difficulties and Paths of Bank Digital Transformation

伴随着数字经济的快速发展,国内经济模式的快速转变也促进新的金融服务功能的更新换代,金融科技赋能的数字化转型成为驱动现代金融业升级换代的重要引擎。新的金融服务模式、产品不断丰富金融市场选择,金融科技已成为商业银行的核心竞争力。从总体来看,我国商业银行的数字化转型呈加速状态,但仍然存在不少问题,战略执行缺乏配套顶层设计、协同机制欠缺、创新人才不足等方面当前数字化转型面临的主要挑战。

With the rapid development of digital economy,the rapid transformation of domestic economic model also promotes the renewal of new financial service functions.The digital transformation enabled by financial technology has become an important engine driving the upgrading of modern financial industry.New fi nancial service models and products are constantly enriching financial market choices,and financial technology has become the core competitiveness of commercial banks.Generally speaking,the digital transformation of China's commercial banks is accelerating,but there are still many problems,such as the lack of top-level design for strategic implementation,the lack of collaborative mechanism,and the shortage of innovative talents.