摘要
本文站在商业银行的立场,从数字生态视角对银行数字化转型评价思路进行了设计,并针对四家大型银行给出了一个可供参考的评价结果。虽然该评价体系仍有不足之处,但与已有的评价方法相比,本文考虑了数字生态体系中银行自身转型期望达到的结果以及对银行的关联主体产生的积极效益,即银行数字化的溢出效应。评价体系整体分成了内部和外部两个维度:内部指标考虑了技术、业务、管理、链接、风险五个层次,外部指标不仅考虑了经济效益还考虑了社会效益。本文认为,数字化转型评价需要进一步与实践相结合,通过科学评价引导数字化效益全面释放,从而推动我国银行业的数字化纵深发展。
From the standpoint of commercial banks,this paper designs the evaluation ideas of digital transformation of banks from the perspective of digital ecology,and gives a reference evaluation result for four large banks.Although the evaluation system still has some shortcomings,compared with the existing evaluation methods,this paper considers the expected results of banks'own transformation in the digital ecosystem and the positive benefits generated for banks'related entities,namely the spillover effect of bank digitization.The evaluation system is divided into two dimensions:internal and external.Internal indicators considers five levels:technology,business,management,link and risk.External indicator considers not only the economic benefits but also the social benefits.The conclusion is that the evaluation of digital transformation needs to be further combined with practice,guiding the comprehensive release of digital benefits through scientific evaluation,in order to promote the deep digital development of China's banking industry.
出处
《投资研究》
北大核心
2023年第11期4-13,共10页
Review of Investment Studies
关键词
数字化
银行效益
数字经济
效益评估
Digital transformation
Banking efficiency
Digital economy
Efficiency evaluation
