Analysis of the Current Situation of Digital Transformation in Chinese Commercial Banks

2017年以来，我国经济进入高质量发展阶段，对商业银行的发展质效、创新动能和竞争能力等都提出了更新更高的要求，为把握新发展阶段，贯彻新发展理念，数字化转型已成为当今商业银行的当务之急。本文基于此，针对我国商业银行的发展现状进行分析，对行业在数字化转型期间出现的问题提出相应的对策和建议，思考如何使得数字化转型的潜能充分激发。Since 2017, China’s economy has transitioned into a high-quality development stage, imposing renewed and elevated demands on commercial banks regarding operational efficiency, innovation momentum, and competitive capabilities. To adapt to this new developmental phase and implement the new development philosophy, digital transformation has become an imperactive for commercial banks. This paper analyzes the current status of Chinese commercial banks, identifies challenges arising during their digital transformation journey, and proposes targeted strategies and recommendations. It further explores how to fully unleash the potential of digital transformation to align with national strategic goals and foster sustainable financial innovation.