银行数字化转型的本质:探讨与分析

Discussion and Analysis of the Essence of Digital Transformation of Banks

在新经济时代,数字化转型是商业银行的重要战略选择。然而,到目前为止,对银行数字化转型的本质内涵等基础性问题的理解并不完全一致。主要的分歧在于,一方面,商业银行的数字化转型并没有从根本上改变银行的企业属性,还没有跳出企业边界范围内经营管理活动的范畴;另一方面,数字化背景下的银行转型又存在内生的巨大不确定性,非常符合复杂经济的基本特征。银行数字化转型本质上是金融企业全新经营管理生态的构建过程,需要银行管理者在战略管理、机制配套、领导力等方面尽快制定有针对性的创新举措。

In the new economic era,digital transformation is an important strategic choice for commercial banks.However,so far,the understanding of fundamental issues such as the essence and connotation of the digital transformation of banks is not completely consistent.The main differences are as follows:on the one hand,the digital transformation of commercial banks has not fundamentally changed the enterprise attributes of banks,and has not yet jumped out of the scope of operation and management activities within the boundaries of enterprises;on the other hand,the bank transformation under the background of digitalization has huge endogenous uncertainties,which is very consistent with the basic characteristics of complex economy.In essence,the digital transformation of banks is the construction process of a new operation and management ecology of financial enterprises,which requires bank managers to formulate targeted innovative measures in strategic management,mechanism supporting,leadership and other aspects as soon as possible.