【摘要】 在数字化转型浪潮下，城市商业银行财务管理面临全新的机遇与挑战。文章首先对数字化转型及城市商业银行的相关概念进行解释，同时阐述了城市商业银行的财务管理内容，然后分析了数字化转型对城市商业银行财务管理的意义。研究发现，城市商业银行的数字化转型通过引入数字技术，帮助城市商业银行优化财务系统，精细整合财务数据，提升银行的决策水平与风险防控能力。文章提出了相应的优化策略，以期提高城市商业银行的市场竞争力，使其更好地服务地方经济发展。更多还原

【Abstract】 Amid the wave of digital transformation, the financial management of urban commercial banks faces new opportunities and challenges. This paper first explains the concepts of digital transformation and urban commercial banks, outlines the content of their financial management, and then analyzes the significance of digital transformation for their financial management. The study finds that digital transformation helps urban commercial banks optimize financial systems, integrate financial data more precisely, and enhance decision-making and risk prevention capabilities by introducing digital technologies. The article proposes corresponding optimization strategies to improve the market competitiveness of urban commercial banks and better serve local economic development.更多还原