商业银行产业数字金融发展路径研究  

Research on the Development Path of Industry Digital Finance for Commercial Bank

作　　者：张震冬 王珏帅 ZHANG Zhendong;WANG Jueshuai

机构地区：[1]华夏银行股份有限公司总行,北京市100010 [2]中国工商银行股份有限公司总行,北京市100032

出　　处：《吉林金融研究》2022年第1期34-38,共5页Journal of Jilin Financial Research

摘　　要：目前,数字金融在零售金融领域已经运用已经较为成熟,产业数字金融逐渐成为新风口,商业银行也已经开始思考如何将数字金融应用在产业金融领域。本文主要采用调查研究的方法,选取目前我国主要的6家国有股份制商业银行和8家全国性股份制商业银行作为研究样本,分析14家商业银行产业数字金融发展现状,总结分析其值得借鉴的经验,从而对商业银行产业数字金融发展提出相应的建议。At present,the application of digital fi nance in the fi eld of retail fi nance has been relatively mature,industrial digital finance has gradually become a new outlet,and commercial banks have begun to think about how to apply digital fi nance in the fi eld of industrial fi nance.This paper mainly adopts the method of investigation research,selects 6 major state-owned joint-stock commercial banks and 8 major national joint-stock commercial banks as research samples,analyzes the development status of industrial digital finance of 14 commercial banks,to summarize and analyze its experience worthy of reference,so as to put forward corresponding suggestions for the development of digital fi nance in commercial banking industry.

关 键 词：产业金融 数字化 商业银行 开放银行 供应链金融 

分 类 号：F830[经济管理—金融学]