我国中小银行数字化转型问题研究

我国中小银行数字化转型问题研究摘要“十四五规划”在2021年正式实施，人们对数字经济的发展前景充满了信心。随着“数字中国”的发展和网络强国的建设，数字技术不断地进行创新和发展，数字化、智能化、网络化不断深入到我们的生活中，以人工智能、云计算、大数据和区块链为代表的新兴技术正在逐渐成熟。在新冠肺炎疫情发生前，由于资金充裕，国有大型银行和股份制银行提前做好了数字化转型的准备，疫情发生后，数字化转型取得了不错的进展。而像城市商业银行、农村商业银行和村镇银行等这些中小银行，受到自身资金不足、人才短缺和技术落后等原因的影响，其数字化转型步伐相对迟缓。本文以我国中小银行为研究对象，通过相关资料的搜集，发现问题并提出相应的解决对策。分析发现我国中小银行在数字化转型过程中存在同质化竞争激烈、复合型人才稀缺、管理体系不健全、缺少数据治理的问题，并针对上述问题提出寻找特色的发展模式、加强人才建设、完善治理体系、强化数据治理的具体对策建议。通过对我国中小银行数字化转型问题研究，有效助推中小银行数字化发展，希望以此对我国中小银行数字化转型提供一些有效借鉴。关键词：中小银行；数字化转型；金融科技我国中小银行数字化转型问题研究Research on Digital Transformation of Small andMedium-sized banks in ChinaAbstractThe 14th Five-Year Plan was launched in 2021 and there is a lot of confidence in the future of the digital economy.With the development of "Digital China"andthe construction of network powerhouses,digital technologies are constantly innovating and developing.Digital,intelligent and networked technologies are constantly penetrating our lives.Emerging technologies such as artificial intelligence,cloud computing,big data and blockchain are maturing.Before the novel coronavirus pandemic,large state-owned banks and shareholding banks were well prepared for the digital transformation due to the availability of funds.The digital transformation made good progress after the pandemic.Small and medium-sized banks such as urban commercial banks,rural commercial banks and village banks have been relatively slow to transitiondigitally due to their own lack of capital,talent shortages and technological backwardness.In this paper,small and medium-sized banks in China as the research object,through the collection of relevant information,find problems and put forward corresponding solutions.It is found that there are some problems in the process of digital transformation,such as fierce homogeneous competition,scarce digital talents,imperfectsystem and lack of data governance.In view of the above problems,specific countermeasures and suggestions are put forward,such as finding characteristic developmentmode,strengthening talent construction,improving governance system and strengthening data governance.By studying the digital transformation of small and medium-sized banks in China,this paper effectively boosts the digital development of small andmedium-sized banks,hoping to provide some effective reference for the digital transformation of small and medium-sized banks in China.Key Words:Small and Medium-sized banks;Digital Transformation;Financial TechnologyII我国中小银行数字化转型问题研究目录摘要…Abstract.....一、绪论…(一)研究背景。..2(二)研究目的与意义(三)研究思路与研究内容.3(四)研究方法与拟创新之处5二、理论基础和文献综述6(一)理论基础.。6(二)文献综述.7三、中小银行数字化转型概述9(一)中小银行的界定…9(二)数字化的理解(三)金融科技…9四、我国中小银行数字化转型现状.11(一)借助金融科技普遍实现数字化..11(二)实行零售数字化的特色银行之路….12五、我国中小银行数字化转型存在的问题13(一)同质化竞争微烈..13(二)复合型人才稀缺.13(三)管理体系不健全14(四)缺少数据治理.….14(五)缺乏风险管控能力..14六、我国中小银行数字化转型解决对策.15(一)寻找特色的发展模式….15(二)加强人才建设.15(三)完善治理体系…16(四)强化数据治理16(五)加强风险防控能力….16结论…18参考文献19-1我国中小银行数字化转型问题研究一、绪论(一)研究背景2021年3月李克强总理在《政府工作报告》中明确提出，加快数字化发展，打造数字经济新优势，协同推进数字产业化和产业数字化转型，加快数字社会建设步伐，提高数字政府建设水平，营造良好数字生态。再往前推进，在2020