人工智能与我国中小银行数字化转型

Artificial Intelligence and digital transformation of small and medium banks in China

以38家上市银行为分析样本,运用文本挖掘技术读取样本银行近十年中的数字化、智能化行为,在此基础上,对当前中小银行数字化转型的重点业务领域进行总结,并归纳出人工智能融合中小银行数字化转型的优势,提出依靠人工智能实现中小银行数字化转型的针对性建议。

Taking 38 listed banks as the analysis samples, the paper uses text mining technology to read the digital and intelligent behaviors of sample banks in the past decade. On this basis, it summarizes the key business areas of current digital transformation of small and medium-sized banks, summarizes the advantages of integrating AI with digital transformation of small and medium-sized banks, and puts forward targeted suggestions on relying on AI to achieve digital transformation of small and medium-sized banks.