Practical exploration of digital transformation of commercial banks driven by financial technology
金融科技驱动下商业银行数字化转型的实践探索

摘要

在金融科技的迅猛发展下，商业银行的数字化转型已成为必然选择。央行数据显示，我国移动支付用户达10.7亿，渗透率92.7%，这意味着客户行为模式已发生根本性转变。监管政策的明确导向也进一步加速了这一进程。实践中许多商业银行通过多种创新模式应对转型挑战：打造"5G+智能银行"网点提升业务办理效率；运用机器学习算法准确识别反洗钱可疑交易等等。然而，转型过程中仍面临诸多挑战：数字鸿沟、中小银行科技投入太低、组织管理模式不能与时俱进、信贷风险增加等等问题，都给传统银行带来了巨大压力。本文就数字化转型中的多重挑战，提出了商业银行在转型过程中需要制定的一系列推进策略，以为商业银行数字化转型提供参考与借鉴。

Abstract

Amidst the rapid advancement of financial technology, the digital transformation of commercial banks has become an inevitable choice. Data from the central bank reveals that the number of mobile payment users in China has reached 1.07 billion, with a penetration rate of 92.7%, indicating a fundamental shift in customer behavior patterns. The clear directive of regulatory policies has further accelerated this process. In practice, many commercial banks have adopted various innovative models to address the challenges of transformation: establishing "5G+ smart bank" branches to enhance the efficiency of business processing; utilizing machine learning algorithms to accurately identify suspicious transactions for anti-money laundering, and so on. However, the transformation process still faces numerous challenges: the digital divide, insufficient technological investment by small and medium-sized banks, organizational management models that fail to keep pace with the times, increased credit risks, and other issues that have placed immense pressure on traditional banks. This article proposes a series of strategies that commercial banks need to formulate during the transformation process to address the multiple challenges of digital transformation, providing reference and guidance for the digital transformation of commercial banks.