【作者】 肖哲；

【导师】 孙耀吾； 蒋利亚；

【作者基本信息】 湖南大学 ， 工商管理硕士（MBA）（专业学位）， 2023， 硕士

【摘要】 随着互联网技术的不断发展,世界经济从工业时代转向数字时代。以大数据、人工智能、5G为代表的数字技术得到了快速发展,以良好的基础设施服务于商业银行的发展,为商业银行实现数字化转型提供了驱动力。当前数字化浪潮持续高涨,数字技术变成了重要的牵引要素,推动银行风险、经营、产品、服务和银行外部合作者之间的关系实现相应的跨越式转型。商业银行高度重视数字技术以及互联网的发展,在全球范围内爆发新冠疫情的情况下,银行也正逐步加快数字化转型的节奏。本文将中行湖南省分行股份有限公司(简称“中行湖南省公司”)作为研究对象,分析中行湖南省公司在“双循环”促进新发展格局形成背景下,如何借助大数据、云平台、人工智能等数字技术积极布局场景建设,快速实现数字化转型发展,最终提升银行竞争力。首先论述了本文的研究背景和研究意义和研究综述,然后分析当前数字化转型的内外部环境,发现该行探索数字化转型过程中存在的问题及产生的相关原因。其次本文对中行湖南省公司数字化转型发展策略的制定原则、定位和策略目标及路径进行了分析。接着本文从建立数字化发展服务体系、创新数字化金融发展模式、推进多元化业务场景营销三个方面制定了发展策略的主要内容。最后本文从五个方面的保障为数字化转型发展策略的实施提供了保障措施,确保策略有效执行。本文以企业战略理论为依托,立足中行湖南省公司的基本状况以及当前探索数字化转型的实践,发现该行在数字化转型中的一系列问题和制约着中行湖南省公司数字化转型的发展的相关问题。为其设计可操作性强的化解策略。这可以指导中行湖南省公司数字化转型建设的实践工作,又可以给商业银行的相关战略分析提供适当的参考。更多还原

【Abstract】 With the continuous development of Internet technology,the world economy has shifted from the industrial era to the digital era.Digital technologies,represented by big data,artificial intelligence and 5G,have developed rapidly,serving the development of commercial banks with sound infrastructure and providing a driving force for commercial banks to realize digital transformation.At present,the digital wave continues to rise,and digital technology has become an important traction factor,which promotes the corresponding leap-forward transformation of the relationship between bank risks,operations,products,services and external partners of the bank.Commercial banks attach great importance to the development of digital technology and the Internet,and are gradually accelerating the pace of digital transformation amid the global outbreak of the novel coronavirus pandemic.This article takes Bank of China Hunan Branch Co.,Ltd.(referred to as "Bank of China Hunan Company")as the research object,and analyzes how Bank of China Hunan Company actively lays out scene construction with the help of digital technologies such as big data,cloud platforms,artificial intelligence,etc.,in the context of promoting a new development pattern through "dual circulation",quickly realizes digital transformation and development,and ultimately enhances bank competitiveness.Firstly,the research background,significance,and review of this article were discussed.Then,the internal and external environment of the current digital transformation was analyzed,and the problems and related reasons that existed in the process of digital transformation were discovered.Secondly,this article analyzes the principles,positioning,strategic goals,and paths for formulating the digital transformation development strategy of Bank of China Hunan Company.Next,this article formulates the main content of development strategies from three aspects:establishing a digital development service system,innovating digital financial development models,and promoting diversified business scenario marketing.Finally,this article provides guarantee measures for the implementation of digital transformation development strategies from five aspects,ensuring the effective implementation of the strategies.Based on the theory of enterprise strategy,based on the basic situation of Hunan Province Company of Bank of China and the current practice of exploring digital transformation,this paper finds out a series of problems in the digital transformation of the bank of China and the relevant problems restricting the development of the digital transformation of Hunan Province company of Bank of China.To design a strong operable solution strategy.This can guide the practical work of the digital transformation construction of the Hunan Province company of the Bank of China and provide appropriate reference for the relevant strategic analysis of commercial banks.更多还原