商业银行数字化转型:特征事实、进展趋势与外部效应

The Development of Digital Transformation in Banks:Characteristics,Trends and Externality Analysis

数字化转型成为驱动商业银行转型升级和高质量发展的重要引擎,也是防范化解金融风险的关键环节。本文首先结合金融科技的已有研究和现实实践,系统梳理中国商业银行的数字化转型沿革情况,并和其他典型国家发展经验进行国际比较。通过分析国内外银行数字化转型发展的差异,剖析我国银行数字化转型发展的特殊性和不足之处。其次,本文构建银行数字化发展的测度指标,并结合学术界较为权威数字化转型测度、银行专利研发、科技投入等多维数据综合分析银行数字化转型的特点和趋势。最后,本文从信贷供给、系统性风险和新质生产力三大维度分析了银行数字化发展的潜在外部效应,并在此基础上提出防范金融风险,稳妥运用数字化技术推动商业银行高质量发展和提升服务实体经济的具体路径。

Digital transformation has become an important engine driving the transformation and upgrading of commercial banks and high-quality development,and it is also a key link in preventing and resolving financial risks.First of all,based on the existing research and practical practice of financial technology,we systematically review the digital transformation evolution of Chinese commercial banks,and makes comparison with the development experience of other typical countries.By analyzing the differences of the digital transformation development of domestic and foreign banks,we analyze the particularity and shortcomings of the development of the digital transformation of Chinese banks.Second,we construct the measurement indicators for the digital development of banks,and comprehensively analyze the characteristics and trends of the digital transformation of banks by combining the more authoritative digital transformation measurement in academia,bank patents'research and development,science and technology investment and other multidimensional data.Finally,we analyze the potential external effects of banks'digital development from the three dimensions of credit supply,systemic risk and new quality productivity,and then put forward specific paths to prevent financial risks,properly use digital technology to promote commercial banks'high-quality development and improve service to the real economy.