新质生产力下的中小商业银行数字化转型策略与路径  

Research on Digital Transformation Map of Small and Medium-sized Commercial Banks under New Quality Productivity

作　　者：杨丽萍 陆岷峰[1,2] YANG Li-ping;LU Min-feng(Operation Management Department,Head Office of China Minsheng Bank,Beijing 100000,China;Shanghai Institute of Science and Technology Finance,Shanghai University,Shanghai 200000,China)

机构地区：[1]中国民生银行总行运营管理部,北京100000 [2]上海大学上海科技金融研究所,上海200444

出　　处：《天水行政学院学报(哲学社会科学版)》2025年第1期91-97,共7页Journal of Tianshui College of Administration

基　　金：国家社会科学基金一般项目“数字普惠金融促进乡村产业振兴的模式创新与政策研究”(20BJY114)。

摘　　要：文章通过系统综述现有文献,探讨新质生产力的基本特征及其对中小商业银行的影响,分析这些银行在数字化转型中的优势与劣势。文章首先界定了新质生产力的定义,并分析其在现代金融领域的应用,针对中小商业银行特有的资源配置、创新能力和信息技术应用的不足,提出了一系列数字化转型策略,包括明确战略定位、抓住技术创新、强化客户互动、培养数字化人才、建立有效的转型体制与机制及强化风险管理等。Through a systematic review of existing literature,this paper discusses the basic characteristics of new quality productivity and its impact on small and medium-sized commercial banks,and analyzes the advantages and disadvantages of these banks in digital transformation.This paper first defines the new quality productivity and analyzes its application in the modern financial field.Aiming at the deficiency of resource allocation,innovation ability and information technology application of small and medium-sized commercial banks,this paper puts forward a series of digital transformation strategies.It includes clear strategic positioning,grasping technological innovation,strengthening customer interaction,cultivating digital talents,establishing effective transformation system and mechanism,and strengthening risk management.

关 键 词：新质生产力 中小商业银行 数字化转型 金融创新 

分 类 号：D26[政治法律—政治学]