Research on Digital Transformation Development Strategy of GX Branch of China Construction Bank

Abstract

Banking is the main body of modern finance and the hub of national economy. At the same time, the digital innovation boom also provides new development ideas and opportunities for the traditional financial industry. Digitalization not only brings new vitality to commercial banks, but also has an unprecedented impact on them. How to actively cope with the impact of digitalization on commercial banks and smoothly carry out digital transformation has become an urgent problem for all commercial banks to face. On the basis of summarizing the characteristics of digital development and the research results of its impact on commercial banks, this paper takes GX Branch of China Construction Bank as the research object, and analyzes the existing problems in its digital transformation and development from the perspectives of corporate business, retail business and internal management from the perspective of its overall situation and digital development status. The main reasons lie in the lack of differentiation of digital strategy, the lack of fit between business needs and digital technology, and the difficulty of organizational structure to adapt to the agile culture of digital enterprises. Finally, the paper puts forward corresponding countermeasures and suggestions from the aspects of building differentiated digital transformation development strategy and improving business operation capability. Theoretically speaking, it is beneficial to enrich the research of bank digital development and promote the continuous enrichment and development of digital transformation theory. In the practical sense, through the in-depth analysis of China Construction Bank GX Branch, combined with the current problems in the digital transformation of China Construction Bank GX Branch, put forward the corresponding countermeasures and suggestions. This is not only conducive to the continuous improvement of the digitization level of the GX branch of China Construction Bank, but also provides experience for the digital transformation and development of interbank banks under the new situation.