地方中小银行数字化转型的温州实践与探索

Practice and Exploration of Digital Transformation of Local Small and Medium sized Banks in WenZhou

中小银行数字化转型对促进金融行业高质量发展具有重大意义。本文立足当前学术研究与实践成果,基于温州实践探讨中小银行数字化转型的发展与困境。具体来看,当前温州地方中小银行依托各类数字化平台深挖市场信息,有效提高金融服务能力和运营质效,尤其是在服务小微主体上成效显著;但依然存在数字化基础不足、激励和容错机制不完善、科技力量薄弱、数据运维体系和管理能力不足、数字治理和风控能力建设存在短板等问题。对此,本文提出促进中小银行数字化转型长效发展的政策建议。

The digital transformation of small and medium-sized banks is of great significance in promoting high-quality development of the financial industry.This article is based on current academic research and practical achievements,and explores the development and challenges of digital transformation of small and medium-sized banks through Wenzhou practice.Specifically,local small and medium-sized banks in Wenzhou rely on various digital platforms to deeply explore market information,effectively improve their financial service capabilities and operational quality and efficiency,especially in serving small and micro entities.However,there are still problems such as insufficient digital foundation,incomplete incentive and fault tolerance mechanisms,weak technological strength,insufficient data operation and maintenance systems and management capabilities,and shortcomings in digital governance and risk control capacity construction.This article proposes policy recommendations to promote the long-term development of digital transformation in small and medium-sized banks.