新时代下商业银行个人金融业务数字化发展路径探究  

Research on the digital development path of commercial banks' personalfinancial services in the new era

作　　者：薛敏[1] Xue Min(Bank of China,Shaanxi branch,Xi'an,Shaanxi,710000)

机构地区：[1]中国银行陕西省分行,陕西西安710000

出　　处：《市场周刊》2024年第9期107-110,共4页Market Weekly

摘　　要：商业银行作为重要的金融机构类型,承担着保护个人金融信息的重要职责。为了顺应行业宏观局势发展,强调个人金融业务实现数字化转型逐渐成为银行的必然路径。基于此,文章针对商业银行个人金融业务发展进行了顶层设计,分为三步,具体包括调研客户需求,布局数字服务新生态;实现全要素经营,布局数字能力新平台;优化全流程服务,布局数字运营新体系等。文章针对商业银行个人金融业务推行数字化转型发展提出科学策略,可供参考借鉴。Commercial banks,as an important type of financial institutions,bear the important responsibility of protecting personal fi-nancial information.In order to comply with the development of the macro situation of the industry,it is gradually becoming an inevitable path for banks to realize the digital transformation of personal financial business.Based on this,this paper makes a top-level design for the development of personal financial services of commercial banks,which is divided into three steps,including investigating customer needs,laying out a new ecology of digital services,realizing all-factor management,laying out a new platform of digital capabilities,optimizing the whole process of services,and laying out a new system of digital operations.The following paper proposes scientific strategies for the implementation of digital transformation and development of personal financial services of commercial banks.For reference.

关 键 词：个人金融业务 数字化 商业银行 

分 类 号：F832.2[经济管理—金融学]