我国商业银行数字化发展探究

Research on Digital Development of Chinese Commercial Banks

数字经济时代,大数据、人工智能、云计算等信息科技的应用对金融服务行业产生了巨大的影响,一批新式互联网金融公司发展势头强劲,传统商业银行为与之抗衡,也纷纷成立信息科技部,以提高信息科技对银行业务的助力作用,并将银行的数字化转型提上日程。因此,对我国传统商业银行的数字化发展进行研究具有重要意义。分析商业银行数字化发展进程和数字化金融服务的特点,以2016—2020年沪深A股上市银行的年报为基础,使用内容评析法对每年各家银行的数字化发展进行分析,探究我国商业银行数字化发展现状,结合我国国情,提出促进商业银行数字化发展的建议,以期提高银行业务信息化程度,促进我国商业银行数字化发展。

In the era of digital economy,big data,artificial intelligence,the application of the information technology such as cloud computing has a huge impact on the financial services industry,a number of new Internet financial companies have a strong momentum of development,in order to compete with it,tradi-tional commercial banks have also set up information technology departments to improve the role of infor-mation technology in helping the banking business,and put the digital transformation on the agenda.There-fore,it is of great significance to study the digital development of traditional commercial banks in China.After analyzing the digital development process of commercial banks and the characteristics of digital fi-nancial services,based on the annual reports of Shanghai-Shenzhen A-share listed banks from 2016 to 2020,the digital development of each bank is analyzed by using content evaluation method,and the digital development status of China's commercial banks is explored.Finally,combining with Chinese national con-ditions,the paper proposes suggestions to promote the digital development of commercial banks,in order to improve the information degree of bank business and promote the digital development of China's com-mercial banks.