Measurement of development level of digital transformation of banks in Northwest China

Abstract. In the current era, the digital economy has become an important opportunity for commercial banks. In order to keep up with the pace of The Times, build a solid foundation of science and technology finance, and promote the economic development of the Northwest region, this paper adopts the analytic hierarchy process and fuzzy comprehensive evaluation method to explore the influential factors of the digital transformation of banks in the Northwest region. The analysis shows that net capital, operating income and loan-to-deposit ratio have the greatest impact on the digital transformation of banks. In terms of digital transformation of banks in Northwest China, Shaanxi Province and Gansu Province have a better development level, Qinghai Province and Ningxia Hui Autonomous Region are relatively average, and Xinjiang Uygur Autonomous Region Province is relatively backward. Based on this, the paper puts forward suggestions to improve the level of capital management, optimize the structure of deposits and loans, and promote income diversification.