商业银行推进普惠金融数字化转型的SWOT分析

SWOTAnalysis of Commercial Banks Promoting Digital Transformation of Inclusive Finance

随着数字技术的不断发展,我国商业银行正在积极进行普惠金融数字化转型,尝试开发出新的数字普惠金融业务和产品来服务大众。从商业银行目前取得的成果来看,未来普惠金融的数字化转型有着巨大的发展前景。基于SWOT模型,可对我国商业银行推进普惠金融数字化转型的内外部环境进行详细分析,并提出在四种不同条件下具体的发展策略,包括提供个性化金融服务、创新营销和经营模式、完善风险防范机制、加强人才队伍建设、普及数字普惠金融知识、加强信息共享平台建设、降低交易成本、提供决策支持等。

With the continuous development of digital technology,China's commercial banks are actively carrying out the digital transformation of inclusive finance,and trying to develop new digital inclusive fi-nance businesses and products to serve the public.Judging from the current achievements of commercial banks,the future digital transformation of inclusive finance has great development prospects.Based on the SWOT model,we can carefully analyze the internal and external environment of inclusive finance by com-mercial banks in China,and propose specific development strategies under four different conditions,it in-cludes providing personalized financial services,innovating marketing and business mode,improving the risk prevention mechanism,strengthening the construction of talent team,popularizing the knowledge of digital inclusive finance,strengthening the construction of information sharing platform,reducing transac-tion costs,and providing decision support.