后疫情时代银行数字化转型的机遇、挑战与策略

Opportunities,Challenges and Strategies of Bank Digital Transformation in Post COVID-19 Era

数字化转型已成为银行顺应时代发展和应对竞争压力的必然选择。后疫情时代,银行数字化转型面临着前所未有的政策与技术机遇,但仍然存在着经营环境变化、不良贷款风险攀升、信息识别风险突显和新业务合规风险加剧等诸多挑战。基于创新驱动发展战略理论与经济长远发展趋势,结合疫情后对我国西南地区银行业实地调研成果,对上述机遇和挑战进行了深入阐释和系统剖析。最后从平衡创新和风控关系的视角,提出了后疫情时代助推银行数字化转型的策略体系和举措建议。

Digital transformation has become an inevitable choice for banks to respond to the development of the times and coping with competitive pressure.In the post COVID-19 era,banks face unprecedented policy and technology opportunities for digital transformation,but there are still many challenges such as changes in the business environment,rising risks of non-performing loans,prominent risks of information identification and increased risks of new business compliance.Based on the theory of innovation-driven development strategy and long-term economic development trend,the article combines the results of field research on the banking industry in Southwest China after the epidemic and provides an in-depth explanation and systematic analysis of the above opportunities and challenges.Finally,from the perspective of balancing the relationship between innovation and risk control,the article proposes a strategic system and initiatives to facilitate the digital transformation of banks in the post COVID-19 era.