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吉林省中小商业银行数字化转型研究

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随着数字经济的发展,商业银行的数字化转型已经成为一种必然趋势.近年来,国内各商业银行的数字化转型发展情况显示:大型商业银行和经济发达地区的中小商业银行的数字化转型进程较快,而吉林省中小商业银行的数字化转型发展相对缓慢.吉林省中小商业银行在数字化转型过程中面临着顶层设计不合理、资源投入不足、数据管理制度不完善等困境.分析吉林省中小商业银行数字化转型的背景、现状及面临的困境,并提出相应的对策,对加快吉林省中小商业银行数字化转型具有一定的现实意义.
Research on Digital Transformation of Small and Medium-sized Commercial Banks in Jilin Province
With the development of digital economy, the digital transformation of commercial banks has become an inevitable trend. In recent years, the digital transformation development of domestic commer-cial banks shows that the digital transformation process of large commercial banks and small and medium-sized commercial banks in economically developed areas is relatively fast, while the digital transformation development of small and medium-sized commercial banks in Jilin Province is relatively slow.In the pro-cess of digital transformation, small and medium-sized commercial banks in Jilin Province are faced with difficulties such as unreasonable top-level design, insufficient resource investment and imperfect data man-agement system.The paper analyzes the background, current situation, and challenges faced by the digital transformation of small and medium-sized commercial banks in Jilin Province, and proposes correspond-ing countermeasures, which has certain practical significance for accelerating the digital transformation of small and medium-sized commercial banks in Jilin Province.

Jilin Provincesmall and medium-sized commercial banksdigital transformation

杨亚萍

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苏州城市建设投资发展(集团)有限公司,江苏 苏州 215006

吉林省 中小商业银行 数字化转型

2024

长春金融高等专科学校学报
长春金融高等专科学校

长春金融高等专科学校学报

影响因子:0.258
ISSN:1671-6671
年,卷(期):2024.(2)
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