商业银行数字化转型的影响研究
Research on the Impact of Digital Transformation of Commercial Banks

数字化转型赋能金融行业在当下是一种趋势，是时代的要求，它的出现带来机遇的同时也带来了肉眼可见的和隐藏在背后的风险。本文将从商业银行尤其是国有大型商业银行为什么要进行数字化转型，探讨其背后的动机，分析数字技术对整个金融行业的影响以及数字化转型对商业银行的影响，其中重点包括金融产品的创新、金融服务的创新、效率的提高和成本的降低。同时还会分析数字技术和数字化转型对监管机构金融风险管理的冲击和影响。最后给出相关结论以及建议，为金融行业、商业银行的可持续发展提供参考借鉴。
Empowering the financial industry through digital transformation is a trend and a requirement of the times. Its emergence not only brings opportunities, but also brings visible and hidden risks. This article will explore the motivations behind why commercial banks, especially large state-owned commercial banks, need to undergo digital transformation. It will analyze the impact of digital technology on the entire financial industry and the impact of digital transformation on commercial banks, with a focus on innovation in financial products, services, efficiency, and cost reduction. At the same time, it will also analyze the impact and impact of digital technology and digital transformation on the financial risk management of regulatory agencies. Finally, relevant conclusions and suggestions are provided to provide reference and inspiration for the sustainable development of the financial industry and commercial banks.