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摘要
论文题目:渤篟惺只偷穆肪堆芯?
学科:工商管理硕士
研究生:余放签名:
指导教师=赵欣教授名:
签
摘要
“”
当前,新型冠状病毒肺炎(以下简称新冠肺炎)对我国的冲击还未完全褪去、俄罗
、
斯和乌克兰的战争陷入僵局美国等西方国家不断加息导致的通胀压力多重因素下,全球政
治经济形势仍然不明朗。我国在对新冠疫情三年的防控后于2023年1月8日将新型冠状病
“”“”
由,
毒肺炎乙类甲管正式调整为乙类乙管,中国经济最困难的时候已经过去中国经
、、、
济开始筑底反弹,展现出了强大的生命力和軔劲,在社会经济文化消费领域推动绿色
健康高质量发展。
5
在数字化时代,以区块链技术、人工智能、大数据、云计算、G技术、物联网等为代
表的数字化技术正在打破原有的社会经济机构,数字经济己经在全中国的各个领域达成广泛
、
,、。
的共识未来企业要发展国家要发展民族要发展,发展数字经济刻不容缓与此同时,
金融与科技紧密结合,对传统银行的业务流程、服务模式、管理机制、使用价值传动链条和
行业格局产生了前所未有的挑战,也为传统银行数字化转型提供了足够的施展空间,孕育了
更多新的商业机遇。银行数字化转型不单单是某个银行业应对跨界金融科技公司的竞争的必
,
业乃至融业型的更2035设
然举措也是促进银行整个金转重要抓手,是年我国要建成数字
一
强国,我国。
的重要环是经济未来高质量持续展力
可健康发的有支撑
、、
本文通过对咨询公司科技企业商学的方,对化和
业银行以及界多观点数字数字化转
,
型世
这个概念进行分析讨论并上型践例行总,
对界优秀的银行数字化转实案进结分析融合
一
二、、
理论长理能论和论础论,
第曲线尾论动态力理战略致性理等有关基理为银行数字化
、
型的。
转重要性必要性供理论研究方面的支海为,为
提撑本文选取渤银行研究对象作全国
,
业无论和型国
股份制商银行是大中有制银行还是和其他全国股份制商业银行和城市商业银
位,
比,其发展都处在中下游部国。
行对选取渤海银行作为研宄对象对全其他银行有参考意义
ST
p E方、
首先,本文应用析法波的和
分特五力分析模型对渤海银行外部环境行业竞争环境
了现。
,剖析阶段渤海银行字型后,融
进行分析数化转的必要性和急迫性然合渤海银行数字
型的发状以到的,
化转现阶段展现及遇挑战海析为渤海型
对渤银行内部进行分银行数字化转
一
一一
:型
出战略转架构型。、
提了转型途径转型,提出了加用
技术转业务转型最终强信建设
、强设施以
加基础型相的。
提高数据安全更好地推动化关工作与实
潮海银行数字转开展落
一
:
第,
下列结论通过,
本文产生对渤海析字化的发确实为
银行的外部进行分数展渤海
I 西安理工大学工商管理硕士专业学位论文
银行创造了机会,同时国内其他银行和金融科技的快速发展,也为渤篟形蠢捶⒄勾戳?
巨大的挑战;第二,通过对渤篟心诓拷蟹治觯澈R凶魑昵岬墓煞葜粕桃狄杏?
着技术后发优势。但也存在着数字化应用水平低、科技人员占比低和组织结构老化等问题;
第三,为渤篟惺只吞岢隽耸导首屯揪叮⑶掖有庞媒ㄉ琛⑹莅踩⒒∩枋?
建设三个方面提出了渤篟惺只偷耐獠勘U咸逑怠?
关键词:数字化;渤篟校蛔吐肪禔b s t r a c t
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i西安理工大学工商管理硕士专业学位论文
dynamic capability theory and the strategic coherence theory.To provide theoretical research
support for the importance and necessity of bank digital transformation.In this paper,BohaiBank
is selected as the research object.As a national joint-stock commercial bank,its development is in
the middle and lower reaches,whether compared with large and medium-sized state-owned banks
or other national joint-stock commercial banks and city commercial banks.Choosing BohaiBank
as the research object has reference significance for other banks in the country.First of all,this
paper applies PESTanalysis method and Porters Five forces analysis model to analyze the
external environment and industrial competition environment of BohaiBank,and analyzes the
necessity and urgency of digital transformation of BohaiBank at the present stage.Then,
combining the current development status and challenges of BohaiBanks digital transformation,
the internal analysis of BohaiBank is made,and the transformation approach is proposed for the
digital transformation of BohaiBank:strategic transformation →structural transformation →
technical transformation →business transformation.Finally,it is proposed to strengthen credit
construction,improve data security and strengthen infrastructure in order to better promote the
development and implementation of the digital transformation of BohaiBank.
This paper draws the following conclusions:First,through the external analysis of Bohai
Bank,the development of digitalization has indeed created opportunities for BohaiBank.
Meanwhile,the rapid development of other domestic banks and fintech has also brought huge
challenges to the future development of BohaiBank.Secondly,through the internal analysis of
BohaiBank,BohaiBank,as a young joint-stock commercial bank,has the advantage of
technological backwardness.However,there are some problems,such as the low level of digital
application,the low proportion of scientific and technological personnel and the aging of
organizational structure.Thirdly,it puts forward the practical transformation approach for the
digital transformation of BohaiBank,and puts forward the external security system for the digital
transformation of BohaiBank from three aspects:credit construction,data security and
infrastructure construction.
Key words:Digitalize;China BohaiBank;Transformation path 。。。以下略