Experts talk about the digital transformation of banks: the core point is offline and intelligent, and the shortcomings should be supplemented from six aspects

Cover Journalist Ouyang Hongyu

"At this stage, the transformation of traditional financial services into a relatively simple digital financial service is the direction of banking together." On July 30, at the 2022 China Wealth Forum, experts and industry insiders surrounded by traditional banks how digitized and developed the development of traditional banks. Building a new financial format shared their views. Some experts said that the digital transformation of banks needs to be achieved through the six aspects of strategy, organization, talent, technology, data, application, and ecology.

In the digital age, digitalization is the needs of bank development and even survival, but the collaboration between technology and business has always been a problem. If technology goes too slowly, it will not help the business to improve the efficiency; on the contrary, only inputs and output in a short period of time are not sustainable. So, what angles should digital transformation be cut into the banking business first?

"The digitalization of the banking industry is online and intelligent." In the view of Golden Lao, chairman of Jiangsu Suning Bank, measuring the level of digitalization of a bank, mainly depends on whether the entire process of business can be online and automated. accomplish. "At present, the digital transformation and upgrading of traditional financial services is to allow users and bank employees to easily use and operate digital financial services. Among them, they can be realized that they are relatively high digital banks."

Earlier, the China Banking Regulatory Commission issued the "Guiding Opinions on the Digital Transformation of the Banking Insurance Industry", which requested to use the promotion of bank insurance institutions to take digital transformation as one of the key driving forces to achieve high -quality financial development. Public information shows that large banks such as Gongnong China Construction and Everbright have already opened digital transformation; Among them, ICBC has obtained a total of more than 1,300 digital transformation -related patents, and the investment in the China Bank in the past year has increased by 11% year -on -year. So, how can small and medium banks that cannot bear high technology inputs to develop digital transformation?

Huang Runzhong, Secretary -General of the Internet Finance (Shenzhen) Alliance (Shenzhen) Alliance, believes that small and medium -sized banks can choose strategic investment, technical paths and business integration demands according to their own characteristics and reality, and then find the appropriate talent and digital transformation of scene ecology. "In the past three years, the six dimensions of small and medium -sized banks have made great progress in the six dimensions including strategy, organization, talent, technology, data, application, and ecology, but there are still many shortcomings to be supplemented."

In this regard, Golden Lao believes that for banks, the most important challenge is that national stock data is still lacking, or it cannot be fully acquired. "In the future, the digital operations of banks need to be continuously adapted in this framework to correct yourself."

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