Digital Transformation of Commercial Banks:Opportunities,Challenges and Countermeasures of Digital Assets Incorporating into the Balance Sheet
With the continuous advancement of China's financial innovation and digital economy,digital assets,as a new digital financial product,are rapidly integrated into the banking industry,which has a profound impact on the traditional banking business model.On the basis of summarizing the existing theoretical research,this study deeply analyzes the dual impact of digital assets entry on the digital transformation of commercial banks.The study found that on the one hand,the entry of digital assets has expanded the scope of banks'business,provided new sources of income,accelerated the reform and innovation of banks'internal IT systems and management mechanisms,and promoted digital transformation.On the other hand,the high risk of digital assets also poses challenges to the internal management control of banks,and it is urgent to optimize the risk monitoring and early warn-ing system and strengthen customer risk education.In order to deal with the impact of digital assets,this paper puts forward a number of countermeasures and suggestions:(1)Work closely with the reg-ulatory authorities to jointly establish a rule system;(2)Collaborate with third parties to develop re-port specifications;(3)Optimizing integration methods to reduce system upgrade costs;(4)Strengthen security lines and create a trusted digital environment;(5)Seize the opportunity to pro-mote customer education;(6)Take the initiative to guide the response to legal regulatory uncertain-ties;(7)Cultivate innovative talents and build a core team of digital banks.
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