摘要
随着新一轮科技浪潮的兴起,新技术与金融的深度融合催生了金融科技时代。实现数字化经营转型是金融科技时代下商业银行的必然选择。一方面,金融科技正深刻改变着市场环境和客户需求方式,对商业银行业务经营模式和管理方式形成巨大挑战。另一方面,商业银行应积极拥抱金融科技,顺势而为,通过实现数字化转型牢牢掌握竞争主动权。未来,商业银行通过转变数字化思维方式,明确战略定位、重塑组织架构、构建全面数据治理体系、促进线上线下协调发展等措施来推进数字化经营转型。
With the rise of a new wave of science and technology,the deep integration of new technology and finance gave birth to the era of Fintech.Realizing the transformation of digital operation is the inevitable choice of commercial banks in the era of Fintech.On the one hand,Fintech is profoundly changing the market environment and customer demand mode,which poses a great challenge to the business operation mode and management mode of commercial banks.On the other hand,commercial banks drive digital transformation by formulating Fintech strategy,introducing Fintech talents,adjusting organizational structure and other measures,so as to actively adapt to the new environment and needs.In the future,commercial banks should improve and change digital thinking,clarify strategic positioning,reshape organizational structure,build a comprehensive data governance system,and promote the coordinated development of online and offline to promote the transformation of digital operation.
作者
谭中明
周盼
TAN Zhong-ming;ZHOU Pan
出处
《农村金融研究》
2022年第6期24-31,共8页
Rural Finance Research
