招商银行零售业务数字化转型路径研究

Research on the Digital Transformation Path of China Merchants Bank’s Retail Business

摘要: 近几年来，我国数字经济发展迅猛，已成为推动经济增长的重要引擎。中国迎来数字经济时代，这推动了银行业向着更加开放、更加智能、更加数字化的方向发展。作为中国零售银行业的标杆企业，招商银行自2014年启动“轻型银行”战略转型以来，通过持续深化数字化变革，成功实现了从传统银行向数字化银行的跨越式发展。本研究以招商银行作为典型案例，采用案例分析方法，深入探讨了中国银行业在数字经济时代背景下如何通过系统性数字化转型实现零售业务战略突破的发展路径。研究系统考察了招商银行在战略规划层面的顶层设计、金融科技应用的技术路径、零售业务模式创新以及开放生态构建四个关键维度的转型实践，分析招商银行数字化转型形成的“飞轮效应”，并基于详实的经营数据对转型成效进行了量化评估。最后，研究总结出招商银行转型成功的经验启示，为其他商业银行零售业务数字化转型提出相应借鉴。

Abstract: In recent years, China’s digital economy has developed rapidly and has become an important engine to promote economic growth. China has ushered in the era of digital economy, which has pushed the banking industry towards a more open, intelligent and digital direction. As a benchmark enterprise in China’s retail banking industry, China Merchants Bank has successfully achieved leapfrog development from traditional bank to digital bank by continuously deepening digital transformation since it launched the strategic transformation of “light bank” in 2014. Taking China Merchants Bank as a typical case, this study uses the method of case analysis to deeply explore the development path of how China’s banking industry can achieve strategic breakthroughs in retail business through systematic digital transformation in the context of the digital economy era. The research systematically investigates the transformation practice of China Merchants Bank in four key dimensions: top-level design at the strategic planning level, technical path of financial science and technology application, retail business model innovation and open ecological construction, analyzes the “flywheel effect” formed by the digital transformation of China Merchants Bank, and quantitatively evaluates the transformation effect based on detailed operating data. Finally, the study summarizes the experience and Enlightenment of the successful transformation of China Merchants Bank, and puts forward corresponding reference for the digital transformation of retail business of other commercial banks.