随着信息技术在我国各个领域的深入应用，“金融+科技”在信托行业扮演 着越来越重要的角色，很多信托公司开始着重进行数字化运营的布局与安排，从 而提高金融产品和服务的创新能力和体验水平。面对新形势下内外部的机遇和挑 战，Z信托公司全面启动数字化战略转型，希望借助金融科技的力量推动公司商 业模式创新变革，提升客户服务能力和市场竞争力。金融科技人才是实现数字化 转型的核心资源和重要保障，因此，建立高素质的金融科技人才队伍变得至关重 要。然而，在金融科技人才紧缺的背景下，Z信托公司仅靠外部引进人才远远不 够，还需要构建和优化自身金融科技人才培训体系，尽快占领金融科技创新研发 的竞争制高点，持续为Z信托公司金融科技发展提供创新人才支持动力，提升企 业竞争力。 因此，本文以Z信托公司为研究案例，探讨数字化转型背景下金融科技人才 培训体系的优化与发展，以期能够为Z信托公司和其他信托公司提供有益的参 考和借鉴。本文在梳理和学习了国内外相关研究成果的基础上，对本文研究所涉 及的关键概念和内涵进行了界定，并系统学习了本文的指导理论（培训效果评估 理论、能力素质模型理论、学习型组织理论），从而为本文数字化转型背景下Z 信托公司金融科技人才培训体系的研究奠定了理论基础。随后，本文简要介绍了 Z信托公司金融科技人才及培训体系现状，并探讨了数字化转型对其金融科技人 才的新要求，对数字化转型背景下Z信托公司金融科技人才培训体系现实情况 进行了问卷调查和统计结果分析，从而归纳了培训体系存在的主要问题。最后， 本文针对性地提出了Z信托公司金融科技人才培训体系的优化对策，主要包括： 加强培训需求分析，优化培训课程；强化培训师资的能力提升与供给保障；优化 培训管理体系；健全培训效果评估体系。同时，本文还提出了相应的保障措施： 加强学习型企业培训文化建设；提高管理层对培训优化的重视程度；健全金融科 技人才的职业晋升制度；加强金融科技人才培训的资金支持。 关键词：数字化转型；金融科技人才；培训体系 II Abstract With the in-depth application of information technology in various fields in china, “finance + technology” is playing an increasingly important role in the trust industry. Many trust companies have begun to focus on the layout and arrangement of digital operations, thereby improving the innovation of financial products and services ability and experience level. Facing the internal and external opportunities and challenges under the new situation, Z Trust Company has launched a digital strategic transformation in an all-round way, hoping to use the power of financial technology to promote the innovation and transformation of the company's business model, and enhance customer service capabilities and market competitiveness. Fintech talent is the core resource and important guarantee for digital transformation. Therefore, it is vital to establish a high-quality fintech talents team. However, under the background of the shortage of fintech talents, Z Trust is far from relying on the introduction of talents from outside. It also needs to build and optimize its own fintech talents training system, occupy the highest point of competition in financial technology innovation and R&D as soon as possible, it continues to be Z Trust company's financial technology development and provides support for innovative talents and enhances corporate competitiveness. Therefore, this article uses Z trust company as a research case to explore the fintech talents training system of Z trust company under the background of digital transformation through questionnaire survey methods, in order to provide useful reference and reference for Z trust company and other trust companies. On the basis of combing and studying relevant research results at home and abroad, this article defines the key concepts and connotations involved in this research, and systematically learns the guiding theories of this article (training effect evaluation theory, ability and quality model theory, learning style organization theory), thus laying a theoretical foundation for the research on the fintech talents training system of Z trust company under the background of digital transformation in this article. Subsequently, this article briefly introduces the current status of Z trust’s fintech talents and training system, and discusses the new requirements of digital transformation for its fintech talents. The questionnaire survey and analysis of the Z trust’s fintech talents training system in the context of digital transformation reveals that the main problems in the training system III for scientific and technological personnel. Finally, this article proposes targeted optimization strategies for the fintech talents training system of Z trust company, which mainly include: strengthening training demand analysis, optimizing training courses; strengthening the capacity improvement and supply guarantee of training teachers; optimizing training management system; improving training effects evaluation system. At the same time, this article also puts forward corresponding safeguard measures: strengthening the construction of the training culture of learning enterprises; increasing the importance of management to training optimization; improving the career promotion system for fintech talents; strengthening financial support for fintech talents training. Keywords: digital transformation; fintech talents; training system IV 目录 1 绪论.............................................................. 1 1.1 研究背景 .................................................... 1 1.2 研究意义 .................................................... 1 1.2.1实践意义 ............................................... 1 1.2.2理论价值 ............................................... 2 1.3 国内外研究现状 .............................................. 2 1.3.1 国外研究现状........................................... 2 1.3.2 国内研究现状........................................... 3 1.3.3 研究综述............................................... 4 1.4 研究内容和研究方法 .......................................... 4 1.4.1 研究内容............................................... 4 1.4.2 研究方法............................................... 6 1.5 本文的创新点 ................................................ 7 2 基本概念与理论基础................................................ 8 2.1 主要概念界定 ................................................ 8 2.1.1 数字化转型............................................. 8 2.1.2 金融科技人才........................................... 8 2.1.3 培训体系............................................... 9 2.2 培训体系的模块构成 ......................................... 10 2.2.1 培训需求调查.......................................... 10 2.2.2 培训工作流程.......................................... 10 2.2.3 培训课程管理.......................................... 11 2.2.4 培训效果评估.......................................... 11 2.3 相关理论 ................................................... 11 2.3.1 培训效果评估理论...................................... 11 2.3.2 能力素质模型理论...................................... 12 2.3.3 学习型组织理论........................................ 12 3 数字化转型背景下Z信托公司金融科技人才培训体系现状............... 14 3.1 Z信托公司概况.............................................. 14 3.1.1 公司简介.............................................. 14 3.1.2 组织架构设置.......................................... 14 3.1.3 公司战略目标.......................................... 15 3.2 Z信托公司金融科技人才现状.................................. 16 3.3 Z信托公司金融科技人才培训体系现状.......................... 17 3.3.1 人才培训目标.......................................... 17 3.3.2 培训课程体系.......................................... 18 3.3.3 培训师资建设.......................................... 19 3.3.4 培训管理制度.......................................... 19 3.3.5 培训效果评估.......................................... 19 3.4 数字化转型对金融科技人才培训体系的新要求 ................... 20 V 3.4.1 数字化转型背景........................................ 20 3.4.2 Z信托公司战略目标的调整 .............................. 20 3.4.3 Z信托公司对金融科技人才培训体系的新要求 .............. 21 4 数字化转型背景下Z信托公司金融科技人才培训体系存在问题........... 23 4.1