中小银行数字化转型之困

Difficulties in Digital Transformation of Small and Medium-Sized Banks

摘要: 深化数字化能力建设、推动数据治理已成为各家银行金融科技下一步发展的重点。本文分析当前金融业数字化转型趋势，综合描述先进同业在数字化转型重点行动，概括中小银行与先进同业在数字化管理上的差距，指出中小银行在规模、认识、技术上的不足，建议通过改革监管机制、优化人才机制、落实重点等策略，从数据架构、数据意识、数据互通、数据风险等方面进行改进。

Abstract: Deepening the construction of digital capacity and promoting data governance have become the focus of the next step in financial technology for banks. This paper analyzes the current digital transformation trend of the financial industry, comprehensively describes the key actions of advanced banks in digital transformation, summarizes the gap between small and medium-sized banks and advanced banks in digital management, points out the shortcomings of small and medium-sized banks in scale, understanding and technology, and suggests that through the reform of regulatory mechanism, optimization of talent mechanism, implementation of key strategies, etc. to improve data architecture, data awareness, data exchange, data risk, etc.