摘要
新质生产力赋能商业银行数字化发展,是实现商业银行高质量发展的有力手段,对于全面推进金融强国建设、持续振兴区域经济意义重大。在概述新质生产力赋能商业银行数字化发展的基本特征、价值与内容的基础之上,分析目前新质生产力赋能商业银行数字化发展存在的商业银行内部运营模式转变受阻、商业银行数字化发展风险加剧、商业银行数据治理能力有待提升等现实困境,最后从强化顶层设计、夯实新质生产力赋能的科技内核,培育数字基因、推进新质生产力赋能的模式建设,加强主体合作、消解新质生产力赋能的风险隐患三大方面,提出新质生产力赋能商业银行数字化发展的创新路径。
New quality productivity enables the digital development of commercial banks,which is a powerful means to realize the high-quality development of commercial banks,and is of great significance for comprehensively promoting the construction of financial power and the sustainable revitalization of regional economy.On the basis of summarizing the basic characteristics,value and content of the digital development of commercial banks enabled by the new quality productivity,Analyzing the practical difficulties of the digital development of commercial banks,such as the transformation of the internal operation mode of commercial banks,the risk of digital development of commercial banks,and the data governance ability of commercial banks need to be improved,Finally,to strengthen the top-level design,Consolidate the core of science and technology enabling new quality productivity;Fostering the digital genes,Promote the construction of new quality productivity;Strengthen the subject cooperation,To eliminate the three potential risks of enabling new quality productivity,Put forward the innovative path of new quality productivity to enable the digital development of commercial banks.
作者
崔育久
CUI Yu-jiu(School of Economics,Dalian Vniversity of Finance and Economics,Dalian 116622,China)
出处
《哈尔滨师范大学社会科学学报》
2025年第2期78-82,共5页
Journal of Social Science of Harbin Normal University
关键词
新质生产力
商业银行
数字化发展
治理能力
new quality productivity
commercial banks
digital development
governance capacity
