This paper focuses on the impact of banks'digital transformation on credit allocation and optimization strategies.Starting from the concept of banks'digital transformation,the article analyzes traditional and digital credit allocation methods,focusing on how digital transformation affects banks'information acquisition and analysis,credit allocation efficiency,risk assessment and control,and customer experience and service innovation.The study finds that digital transformation significantly enhances banks'credit allocation efficiency and risk management capabilities,and improves customer experience.The article concludes with targeted optimization strategies that provide theoretical and practical guidance for bank business reform and risk management.
维普
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