中小银行敏捷转型难点分析及改进建议

Analysis of Difficulties in Agile Transformation of Small and Medium-Sized Banks and Suggestions for Improvement

摘要: 商业银行数字化转型的核心就是要以客户为中心，敏捷组织则是快速响应市场变化和客户需求的基础保障。对大多数中小银行来说，尚需结合实际情况对敏捷转型的方向路径进行优化调整。本文分析中小银行敏捷转型的难点，概括中小银行敏捷转型中架构及团队的调整方向，提出中小银行敏捷转型的执行路径，以实际案例验证路径的可行性。

Abstract: The core of digital transformation of commercial banks is to be customer-centric, and agile organization is the basic guarantee for rapid response to market changes and customer needs. For most small and medium-sized banks, the direction and path of agile transformation need to be optimized and adjusted in combination with the actual situation. This paper analyzes the difficulties of the agile transformation of small and medium-sized banks, summarizes the adjustment direction of the structure and team in the agile transformation of small and medium-sized banks, puts forward the implementation path of the agile transformation of small and medium-sized banks, and verifies the feasibility of this path with practical cases.