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刍议金融科技与银行数字化转型

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金融科技的快速发展迫使银行必须跟上时代步伐并做出变革,将数字化转型作为高质量发展的战略重点,以科技为驱动力、支撑力,推进银行数字化进程.本文从阐述金融科技背景下银行数字化转型的必要性入手,分析银行数字化转型面临的困境,并提出依托金融科技推进银行数字化转型的实践策略,旨在借助科技手段促进金融业的创新发展.
Discussion of Financial Technology and Digital Transformation of Banks
The rapid development of financial technology forces banks to keep up with the pace of the times and make changes,take digital transformation as the strategic focus of high-quality development,and promote the digitalization process of banks with technology as the driving force and supporting force.This paper expounds the necessity of digital transformation of banks in the context of financial technology,analyzes the dilemmas faced by digital transformation of banks,and puts forward practical strategies to promote digital transformation of banks based on financial technology,aiming to promote the innovation and development of the financial industry with the help of scientific and technological means.

financial technologybankdigital transformationdata governance

徐云飞

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浙江农村商业联合银行股份有限公司 浙江 杭州 310016

金融科技 银行 数字化转型 数据治理

2024

科学与信息化

科学与信息化

ISSN:
年,卷(期):2024.(2)
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