城市商业银行零售业务数字化转型对策研究——以吉林银行为例

Research on the Retail Business Digital Transformation Strategy of Urban Commercial Banks--Taking the Bank of Jilin as an Example

近年来,全球经济增速放缓、金融脱媒、利率市场化进程加快等多种因素持续深刻地影响着银行业。银行不良率贷款居高不下,经营利润进一步减少,银行净息差收窄,盈利能力受到巨大挑战。与此同时,数字经济蓬勃发展,互联网商业巨头充分利用自身平台和大数据优势在金融领域加速布局,运作模式更加注重互联网技术与金融服务的深度融合,金融产品更加丰富,服务更加高效,给传统商业银行带来较大冲击。分析城市商业银行零售业务在数字化转型中所面临的挑战,并探索有效的突破路径,具有重要的现实意义。

In recent years,various factors such as the slowdown in global economic growth,financial disintermediation,and the acceleration of interest rate marketization have continued to profoundly affect the banking industry.The non-performing loan ratio of banks remains high,operating profits further decrease,and the net interest margin of banks narrows,posing a huge challenge to profitability.At the same time,the digital economy is booming,and internet business giants are fully utilizing their platform and big data advantages to accelerate their layout in the financial field.Their operational models pay more attention to the deep integration of internet technology and financial services,making financial products more diverse and services more efficient,bringing a significant impact to traditional commercial banks.Analyzing the challenges faced by urban commercial banks'retail business in digital transformation and exploring effective breakthrough paths is of great practical significance.