摘要
近年来,国内外商业银行纷纷将数字化转型上升至战略层面,不断加大对金融科技的投入,利用金融科技加快转型升级。2021年12月,中国人民银行印发《金融科技发展规划(2022-2025年)》,对商业银行数字化转型提出更高的目标及内在要求。本文系统总结分析了我国商业银行金融科技的最新进展及面临的问题,积极借鉴国外商业银行在科技人才培育、敏捷组织构建、产品渠道创新和风险防控优化等数字化转型方面的先进实践经验,提出政策建议,以期更好地推进我国商业银行金融科技发展和数字化转型。
In recent years, domestic and foreign commercial banks have raised the digital transformation to the strategic level, continuously increasing investment in financial technology, and using financial technology to accelerate the transformation and upgrading. In December, 2021, the people’s Bank of China issued the financial technology development plan(2022-2025), which put forward higher requirements for the digital transformation of commercial banks.This paper systematically summarizes and analyzes the latest progress and problems of financial technology of commercial banks in China, actively draws on the advanced practical experience of foreign banks in digital transformation such as scientific and technological talent cultivation, agile organization construction, product channel innovation and risk prevention and control optimization, and puts forward policy suggestions in order to better promote the development of financial technology and digital transformation of commercial banks in China.
作者
杜鑫星
王玮怡
邢廖菲
Du Xinxing;Wang Weiyi;Xing Liaofei(WenZhou Central Sub-branch,the People's Bank of China;Yueqing City Sub-branch,the People's Bank of China;WenCheng County Sub-branch,the People's Bank of China)
出处
《金融发展评论》
2022年第10期16-28,共13页
Financial Development Review
关键词
商业银行
金融科技
数字化转型
Commercial Bank
Fintech
Digital Transformation