城市商业银行数字化转型问题与对策研究
摘 要
数字化转型在当前全球范围内的企业中具有重要意义和挑战。本研究旨在探讨城市商业银行数字化转型问题，并提出对策。具体而言，本文首先界定了数字化转型的概念和特点，以及城市商业银行的定义和挑战。随后，通过国内外研究综述，总结了目前城市商业银行数字化转型的研究现状和进展。接着，分析了城市商业银行数字化转型中存在的问题，如技术落后、组织架构刚性、风险管控体系不完善以及企业文化和员工能力不适应转型需求等。最后，提出了解决这些问题的对策，包括加强技术投入和信息化建设、优化组织架构和管理模式、健全风险管控体系、以及培养适应转型需求的企业文化和员工能力。本研究对于帮助银行理解数字化转型的意义和价值，明确转型的目标和方向，促进银行的可持续发展具有重要的意义。
关键词：数字化转型 城市商业银行 挑战
Abstract
Digital transformation is of great significance and challenge in enterprises on a global scale today. The purpose of this study is to explore the digital transformation of city commercial banks and put forward countermeasures. Specifically, this paper first defines the concepts and characteristics of digital transformation, as well as the definitions and challenges of urban commercial banks. Then, through the domestic and foreign research review, the current research status and progress of the digital transformation of urban commercial banks are summarized. Then, it analyzes the problems existing in the digital transformation of urban commercial banks, such as backward technology, rigid organizational structure, imperfect risk management and control system, and corporate culture and staff ability can not adapt to the transformation needs. Finally, the paper puts forward countermeasures to solve these problems, including strengthening technology investment and information construction, optimizing organizational structure and management mode, improving risk management and control system, and cultivating enterprise culture and staff ability to meet the needs of transformation. This study is of great significance to help banks understand the significance and value of digital transformation, clarify the goal and direction of transformation, and promote the sustainable development of banks.
Key words: Digital transformation city commercial banks challenges
目 录
摘 要 I
Abstract II
1 绪论 1
1.1 研究背景 1
1.2 研究目的 1
1.3 研究内容 2
1.4 研究意义 3
2 相关概念及理论基础 3
2.1 数字化转型概念及特点 3
2.2 城市商业银行相关概念 4
2.3 国内外研究综述 5
3 城市商业银行数字化转型问题 5
3.1 技术落后与信息化程度不高 5
3.2 组织架构刚性与管理模式滞后 6
3.3 风险管控体系不完善 7
3.4 企业文化与员工能力不适应数字化转型需求 7
4 城市商业银行数字化转型对策研究 8
4.1 加强技术投入与信息化建设 8
4.2 优化组织架构与改进管理模式 9
4.3 健全风险管控体系与提升风控能力 10
4.4 培养数字化转型需求的企业文化和员工能力 10
5 结论 11
参考文献 13
致 谢 14
摘 要
数字化转型在当前全球范围内的企业中具有重要意义和挑战。本研究旨在探讨城市商业银行数字化转型问题，并提出对策。具体而言，本文首先界定了数字化转型的概念和特点，以及城市商业银行的定义和挑战。随后，通过国内外研究综述，总结了目前城市商业银行数字化转型的研究现状和进展。接着，分析了城市商业银行数字化转型中存在的问题，如技术落后、组织架构刚性、风险管控体系不完善以及企业文化和员工能力不适应转型需求等。最后，提出了解决这些问题的对策，包括加强技术投入和信息化建设、优化组织架构和管理模式、健全风险管控体系、以及培养适应转型需求的企业文化和员工能力。本研究对于帮助银行理解数字化转型的意义和价值，明确转型的目标和方向，促进银行的可持续发展具有重要的意义。
关键词：数字化转型 城市商业银行 挑战
Abstract
Digital transformation is of great significance and challenge in enterprises on a global scale today. The purpose of this study is to explore the digital transformation of city commercial banks and put forward countermeasures. Specifically, this paper first defines the concepts and characteristics of digital transformation, as well as the definitions and challenges of urban commercial banks. Then, through the domestic and foreign research review, the current research status and progress of the digital transformation of urban commercial banks are summarized. Then, it analyzes the problems existing in the digital transformation of urban commercial banks, such as backward technology, rigid organizational structure, imperfect risk management and control system, and corporate culture and staff ability can not adapt to the transformation needs. Finally, the paper puts forward countermeasures to solve these problems, including strengthening technology investment and information construction, optimizing organizational structure and management mode, improving risk management and control system, and cultivating enterprise culture and staff ability to meet the needs of transformation. This study is of great significance to help banks understand the significance and value of digital transformation, clarify the goal and direction of transformation, and promote the sustainable development of banks.
Key words: Digital transformation city commercial banks challenges
目 录
摘 要 I
Abstract II
1 绪论 1
1.1 研究背景 1
1.2 研究目的 1
1.3 研究内容 2
1.4 研究意义 3
2 相关概念及理论基础 3
2.1 数字化转型概念及特点 3
2.2 城市商业银行相关概念 4
2.3 国内外研究综述 5
3 城市商业银行数字化转型问题 5
3.1 技术落后与信息化程度不高 5
3.2 组织架构刚性与管理模式滞后 6
3.3 风险管控体系不完善 7
3.4 企业文化与员工能力不适应数字化转型需求 7
4 城市商业银行数字化转型对策研究 8
4.1 加强技术投入与信息化建设 8
4.2 优化组织架构与改进管理模式 9
4.3 健全风险管控体系与提升风控能力 10
4.4 培养数字化转型需求的企业文化和员工能力 10
5 结论 11
参考文献 13
致 谢 14
