Research On The Digital Transformation And Development Of Chinese Commercial Banks Under The Background Of Financial Technology

With the development of information technology,the popularization of big data,cloud computing,AIGC and other technologies,technology companies accelerate their expansion and gradually enter the financial sector,which has an impact on the operation of commercial banks,commercial banks are facing greater pressure to transform.How to change to digital thinking,establish excellent technical system and establish efficient digital financial institutions are common challenges facing the banking industry.In this paper,based on the analysis of G Bank,mainly on the background of the rapid development of financial technology,G Bank Digital Transformation,development strategies and recommendations.This article first elaborates the research background,the research goal and the significance,secondly,analyzes under the financial science and technology development background,our country commercial bank digitization transformation present situation,as well as the existence question,it is found that the commercial banks in our country are actively engaged in digital transformation,which is rapidly promoted in terms of strategy,organizational structure and cross-border cooperation.However,in the application of products,compound talents,and the level of innovation,there is some room for progress.Then,this paper introduces the development of g-bank,and analyzes its technical situation,and finds that g-bank in the context of financial technology,we will actively formulate digital transformation strategy,optimize organizational structure,enhance online channel management capacity,build new version of mobile banking,enhance eco-banking service capacity,build emerging“Cloud network point” channels,and increase digital investment to promote digital transformation.In addition,through SWOT analysis,we get the main indicators that affect the development of G Bank,and then use AHP method to get the digital transformation of G Bank.Specifically,each factor,the final weight of the larger is the opportunity to build a big data information platform,vigorously develop retail finance,clear strategic planning and other factors.Finally,the corresponding countermeasures and suggestions are put forward: building a big data information platform,making clear strategic planning,carrying out service transformation and vigorously developing retail finance.