摘要
银行保险机构应当根据自身定位,科学制定数字化发展战略,紧紧围绕服务实体经济这一根本目标,将数据作为关键生产要素,充分应用金融科技,创新金融产品、经营模式、业务流程等,提升市场竞争能力、风险管理能力和金融服务水平。同时,明确自身风险偏好与数字化转型战略之间的关系,在推进数字化转型的过程中牢牢守住风险底线。
In recent years,the rapid evolution and popularization of digital technology have provided a strong technological impetus for the digital transformation of the banking and insurance industry.Digital transformation has become an important step for our country's bank insurance institutions to actively follow the digital trend,seize digital opportunities,and promote the high-quality development of financial services.But in the process of digital transformation,there are many problems and challenges.The author LIU Chunhang pointed out that at present,the banking and insurance industry should scientifically formulate a digital development strategy based on its own positioning,closely focus on the fundamental goal of serving the real economy,take data as a key production factor,make full use of financial technology,and innovate financial products,business models and business processes,etc.,to enhance market competitiveness,risk management capabilities and financial service levels.
作者
刘春航
Liu Chunhang(the Statistics,IT&Risk Surveillance Department,CBIRC)
出处
《中国银行业》
2021年第11期14-16,29,6,共5页
China Banking
