摘要
本文旨在探讨商业银行在数字普惠金融领域发展中所面临的困境，并提出相应的优化对策。随着数字技术的迅猛发展，商业银行在普惠金融领域面临着技术更新换代迅速、业务模式转型困难、金融教育与培训不足以及监管压力与合规风险等挑战。这些困境不仅限制了商业银行数字普惠金融业务的拓展，也影响了其服务质量和效率。针对技术更新换代迅速的困境，商业银行应加大技术研发投入，与金融科技公司建立合作关系，共同研发新技术，确保技术更新与行业发展同步。对于业务模式转型困难的问题，商业银行应明确数字化转型战略，优化内部组织架构，创新金融产品与服务，提升客户体验。同时，加强金融教育与培训，提高公众金融素养，为数字普惠金融的发展提供有力支持。在监管压力与合规风险方面，商业银行应加强风险管理体系建设，关注监管政策动态，确保业务合规性。此外，商业银行还应加强信息技术系统的安全防护，保护客户信息安全。商业银行数字普惠金融发展面临着多方面的困境，但通过加大技术研发投入、明确数字化转型战略、加强金融教育与培训以及强化风险管理等措施，可以优化商业银行数字普惠金融的发展路径，推动其健康、可持续发展。
关键词：商业银行；数字普惠金融；发展困境
Abstract
This paper aims to explore the difficulties faced by commercial banks in the development of digital inclusive finance, and put forward corresponding optimization countermeasures. With the rapid development of digital technology, commercial banks are faced with challenges in the field of inclusive finance, such as rapid technology upgrading, difficult business model transformation, insufficient financial education and training, and regulatory pressure and compliance risks. These difficulties not only limit the expansion of commercial banks' digital financial inclusion business, but also affect their service quality and efficiency. In view of the dilemma of rapid technology upgrading, commercial banks should increase investment in technology research and development, establish cooperative relations with fintech companies, jointly research and develop new technologies, and ensure that technology upgrading is synchronized with the development of the industry. As for the difficulties in business model transformation, commercial banks should clarify the digital transformation strategy, optimize the internal organizational structure, innovate financial products and services, and improve customer experience. At the same time, financial education and training should be strengthened to improve public financial literacy and provide strong support for the development of digital inclusive finance. In terms of regulatory pressure and compliance risk, commercial banks should strengthen the construction of risk management system, pay attention to the dynamics of regulatory policies, and ensure business compliance. In addition, commercial banks should also strengthen the security protection of information technology systems to protect the security of customer information. The development of digital inclusive finance of commercial banks is faced with many difficulties. However, by increasing the investment in technology research and development, clarifying the digital transformation strategy, strengthening financial education and training, and strengthening risk management, the development path of digital inclusive finance of commercial banks can be optimized and its healthy and sustainable development can be promoted.
Keywords：Commercial banks; digital financial inclusion; development difficulties
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景及意义 1
（二）研究目的和内容 1
（三）国内外研究现状 1
二、数字普惠金融概述 3
（一）数字普惠金融的定义 3
（二）数字普惠金融的主要特点 3
（三）数字普惠金融与传统金融的对比 3
三、数字普惠金融的重要性 5
（一）对金融服务普及的推动作用 5
（二）对经济发展的促进作用 5
（三）对社会进步的贡献 5
四、商业银行数字普惠金融发展的困境 7
（一）数字技术更新换代迅速 7
（二）业务模式转型困难 7
（三）金融教育与培训不足 7
五、商业银行数字普惠金融发展的优化对策 9
（一）加大技术研发投入 9
（二）创新金融产品与服务 9
（三）加强金融知识普及 9
结 论 11
参考文献 12
