摘要
如何以数字化转型带动服务实体经济能力提升,是当前商业银行面临的重要挑战。虽然大型商业银行在行业占据主导作用,但是从促进经济高质量发展和推动普惠金融创新等方面来看,中小银行的意义更重大。因此中小银行更加迫切地需要通过加快数字化转型,既实现可持续发展,又在金融供给侧改革中发挥更大作用。论文从研究背景、文献梳理、现状与挑战、战略重点、外部保障等多视角对此展开深入分析。
How to promote the ability to serve the real economy with digital transformation is an important challenge for commercial banks.Although large state-owned commercial banks play a leading role in the industry,small and medium-sized banks are of greater significance in promoting high-quality economic development and inclusive financial innovation.Therefore,it is more urgent to realize sustainable development and play a greater role in financial supply-side reform by accelerating digital transformation.This paper makes an in-depth analysis from the perspectives of research background,literature review,current situation and challenges,strategic focus and external guarantee.
出处
《农村金融研究》
2022年第7期29-37,共9页
Rural Finance Research
关键词
金融科技
中小银行
数字化
Fintech
Small and Medium-sized Banks
Digitization
