Research On The Optimization Scheme Of Digital Transformation Of N Bank’s Corporate Business

In recent years,the traditional industry of commercial banks is accelerating differentiation,more and more fierce market competition,is undergoing technological,market-oriented,international changes.N Bank is a city commercial bank based on the southeast coast city.In the face of the technological,market-oriented,international trend of banking changes,as a city commercial banks,how to be in the process of banking differentiation is not eliminated,to maintain sustainable development? Digital transformation is the inevitable choice of N Bank.In this paper,the optimization of the project of N Bank’s corporate business digital transformation of as the object of study.This paper analyzes on the problems of the digital transformation of N Bank’s corporate business,such as the difficulties in product development,the inadequacy of products to meet market demand,the bottleneck of service performance and high availability,etc.,these problems are caused by the need to further improve the digital infrastructure,the backward software infrastructure,the single corporate digital products,the single corporate digital service channels,the immature organizational structure,and the insufficient financial technology investment.According to the theory of digital transformation framework,a systematic optimization scheme is put forward,which includes organization foundation optimization scheme,digital infrastructure optimization scheme,digital technology application optimization scheme,digital product optimization scheme and digital service optimization scheme.After the implementation of the optimized scheme,the effect is remarkable,and the problems in the process of the digital transformation of N Bank’s corporate business can be solved.R & D efficiency is improved,product R & D cycle is shortened,service performance and high availability are improved.In addition to the enterprise online banking,through the new research and development of financial steward,new steward of government affairs and other corporate digital products,digital products have enriched the variety to meet the needs of different corporate customers.Through the open banking,N Bank has provided the omnipresent financial comprehensive service for the enterprise customer.In the scope,to help banks expand the scope of business,in depth,improve the level of banking services to enterprise customers.The digital transformation enables N Bank to develop its business sustainably in the digital era,and to maintain a steady increase in total assets and net profit in the fierce market competition.