我国中小银行数字化转型问题研究

Research on Digital Transformation of Small and Medium-sized Banks in China

随着数字经济时代的到来,银行业的经营模式也经历了革新。大数据、人工智能、云计算等技术被广泛运用于金融领域,银行业向数字化转型的趋势日益凸显。2020年新冠疫情暴发后,国内银行界通过积极引入数字化手段,显著提升了运营效率和服务质量。然而,中小银行在数字化转型方面进展缓慢。因此,分析中小银行数字化转型的现状及存在的问题,并提出相关建议,对促进和推动中小银行的数字化转型,具有重要的现实意义。

With the rapid development of China's digital economy,the progress of science and technology has changed the traditional mode of financial services.As big data,cloud computing,artificial intelligence and other emerging technologies are widely used in the financial field,the digital transformation of banks has become an inevitable trend.After the outbreak of the COVID-19 in 2020,the domestic banking indus-try has significantly improved operational efficiency and service quality by actively introducing digital means.However,small and medium-sized banks have a slow development speed of digital transformation.Therefore,analyzing the current situation and existing problems of digital transformation in small and me-dium-sized banks,and proposing relevant suggestions,is of significant practical importance for promoting and advancing the digital transformation of small and medium-sized banks.