In recent years, with the rise of digital transformation wave, China's economy is changing from traditional factor driven to innovation driven, especially in the financial field. Today's rapid development of digital information technology has provided unprecedented impacts and severe challenges for our country's commercial investment banks. How to actively respond to these impacts and successfully implement their digital transformation has become a major issue that our country's commercial investment banks must face. The purpose of this article is to analyze the role of digital transformation on the dynamics of the network in the banking financial econoour and expound the great significance of the digital transformation of our country's financial econoour from various aspects. It shows the importance of the digital transformation of our country's financial econoour. The article mainly introduces the concept of digitalization, explains the necessity of digital transformation of banks, and expounds the relationship between the structure of the banking industry and economic development. At the same time, it combines the operation status of commercial banks in this city, the current status of commercial bank electronic financial services and the development status and trends of commercial bank electronic financial services. It analyzes the difficulties of commercial banks in the transformation of Internet financial service models. Among them, it was found that the highest utilization rate of inter-bank transfer business was 46%, followed by intra-bank transfer at 29.1%, and online banking and internet transfer accounted for less than 1%. Moreover, traditional electronic banking functions were lacking and could no longer meet the needs of customers. Therefore, commercial banks must carry out digital transformation and gradually enter Digital Bank 4.0 to improve services by using emerging digital advanced technologies.