探讨当前商业银行数字化转型下的渠道建设策略

Discussion on the Channel Construction Strategy Under the Current Digital Transformation of Commercial Banks

自进入新时代后,我国社会经济取得迅猛发展,而基于互联网技术的进步,银行业开始朝着数字化方向迈进,也就是人们常常提起的“数字化转型”。银行在开展数字化转型过程中的渠道管理肯定也会发生改变。渠道作为银行的发展战略资源,是其能够成功完成数字化转型的关键。因此,银行必须对数字化转型下的渠道建设问题进行重新审视,要将渠道资源牢牢把控在自己手中,要有效确保银行安全稳定地完成数字化转型。论文以此为研究背景对商业银行数字化转型下的渠道建设展开研究,并提出相关的渠道建设策略,以供参考。

Since entering the new era,China's social economy has achieved rapid development,and based on the progress of internet technology,the banking industry has begun to move towards the direction of digital,which is often referred to as"digital transformation".The channel management of banks in the process of digital transformation will certainly change.As a strategic resource for the development of banks,channel is the key to successfully complete the digital transformation.Therefore,banks must re-examine the issue of channel construction under the digital transformation,firmly control the channel resources in their own hands,and effectively ensure the safe and stable completion of the digital transformation of banks.With this as the research background,this paper studies the channel construction of commercial banks under the digital transformation,and puts forward relevant channel construction strategies,for reference.