基于传统银行迭代升级的商业银行核心竞争力研究

Reasearch on the Core Competitiveness of Commercial Banks Based on the Iterative Upgrading of Traditional Banks

立足数智化发展趋势下传统银行转型进化的迭代升级之变,基于宏微观、全球化、人财物和“三性”原则,以业务发展和价值创造为主线,重点从资本、收益与风险的平衡和全球主流银行发展特征等多维视角,剖析商业银行经营管理变革之“道”和转型之“术”。

This article is based on the iterative upgrading of the transformation and evolution of traditional banks under the development of digital intelligence,with principles of macro and micro,globalization,human property,and the"triple principles."The article takes business development and value creation as the main line.Through the evaluation of the capital,the balance of benefit and risk,and the development traits of mainstream banks,this article aims to analyze the ways of Business Management Reform and Transformation of commercial banks.When facing the uncertainty of subversion and the greater challenges of change,we will explore the core competitiveness of commercial banks from multiple levels and perspectives.It promotes the high-quality transformation and development of commercial banks.