银行数字化转型：路径与策略
适读人群：银行业监管机构、各类银行机构管理及从业人员、为银行机构提供各种服务/产品的科技企业管理及从业人员、银行及数字化领域研究人员、金融类院校人员。
（1）本书由银行家研究中心银行数字化转型课题组牵头和主导，汇集了工/建/招等33家银行、阿里云等5家科技公司、安永咨询/毕马威管理咨询/德勤中国/波士顿咨询等4大咨询公司的研究成果和实践经验。
（2）从宏观趋势、行业案例、科技赋能、转型策略4个维度全面总结银行业数字化转型的经验和方法。
银行为什么要进行数字化转型？
先行者有哪些经验和方法值得我们借鉴？
银行数字化转型的路径和策略有哪些？
……
本书将从行业研究者的视角、行业实践者的视角、科技赋能者的视角和行业咨询顾问的视角对上述问题进行抽丝剥茧般探讨，汇集了1个银行数字化转型课题组、33家银行、5家科技公司、4大咨询公司的究成果和实践经验，讲解了银行业数字化转型的宏观趋势、行业先进案例、科技如何为银行业数字化转型赋能以及银行业数字化转型的策略。
全书共八篇，从逻辑上可以分为四大部分。
银行业数字化转型调研报告（01~06）
银行家研究中心银行数字化转型课题组
课题组自2017年下半年开始跟踪和研究银行数字化竞争力的构建，调研了大型商业银行、股份制银行、城商行、农商行（农信社）、互联网银行、金融科技公司等30余家机构，从战略规划、组织架构、业务模式、产品设计、营销策略、运营机制、风险管理以及ＩＴ系统等诸多领域入手，从多个视角观察行业动态，聚焦数字普惠金融、金融服务模式变革、运营再造、开放银行、场景金融及生态圈等行业热点话题，与业界共同探讨研究。课题组将搭建一个包括银行、智力服务等机构的合作交流平台，共同推动银行业数字化转型。
篇 银行数字化转型调研报告
01 银行数字化转型调研观察2
02 数字化重塑银行营销新模式8
03 跨界与融合重塑商业价值—交易银行数字化转型与产业互联网生态构建17
04 数字化转型中的数据安全与风险应对23
05 打造银行数字化风控体系长板30
06 企业架构驱动银行数字化转型35
第二篇 大型商业银行转型实践案例
07 中国工商银行：依托金融科技赋能银行新业态44
08 中国农业银行：小微金融数字化转型探索与实践53
09 中国建设银行：构建金融生态，探索数字化经营61
第三篇 股份制商业银行转型实践案例
10 招商银行：数字化转型的“道”与“术”70
中国的金融体系是银行主导型，中国的商业银行系统是的宏观相关部门，在支撑实体经济发展、维护金融稳定、促进国民经济内外循环方面具有举足轻重的作用。自2008年全球金融危机爆发以来，中国商业银行系统在分业监管的框架下坚持为实体经济服务，不断排查和降低系统性金融风险，秉持不断改革开放的理念，在使中国跻身世界第二大经济体方面做出了巨大贡献。2020年，在全世界遭受新冠肺炎疫情冲击、全球性经济衰退的大背景下，中国经济率先复苏，中国的商业银行体系功不可没。
2008年全球金融危机爆发后，国际经济学界关心的问题是，怎样在危机冲击、金融缩表之后让资金对实体经济提供有力支持。本次新冠肺炎疫情中，世界各国经济学家关心的是，怎样在普遍的经济衰退趋势中充分发挥金融部门的作用，让经济不致停摆，让经济循环能够顺畅，让生产、贸易和流通重新焕发活力。中国政府在运用金融部门力量，特别是中国商业银行系统力量复工复产、稳就业、稳增长方面推出了一系列有力度的政策措施，中国的银行体系也成为稳健、有力、能对实体经济提供有效支持的金融力量。
所有金融机构都要抓紧数字化转型，唯有如此，才能切实提高我们服务大众的本领（摘自2020年金融街论坛主题演讲）。
——郭树清 中国人民银行党委书记/中国银保监会主席
数字化转型已成为我国经济社会发展的整体趋势。金融业实现数字化转型，要在做实、做强、做活数据资产上下功夫（摘自第三届数字中国建设峰会主题演讲）。
——陈四清 中国工商银行董事长
数字化经营对于商业银行而言，不是想不想做的附加题，而是必须做好的必答题（摘自2020年金融街论坛主题演讲）。
——刘桂平 中国人民银行党委委员、副行长/原中国建设银行行长
Shipping Overview:
• Shipping: Standard Domestic Shipping within the United States charges USD 4.99. Standard International Shipping from United Kingdom, Germany and Japan to the United States charges 14.99.
• Order Processing: Please allow 1-2 business days for order processing and preparation before shipment.
• Domestic Shipping: Orders within the U.S. are shipped via USPS or FedEx, depending on the origin of the product. The average transit time is 3-7 business days.
• International Shipping: Currently, we only ship within the USA.
• Tracking Information: Every order is trackable. You will receive a tracking number once your order has been shipped. Products may be shipped from various global fulfillment centers.
Shipping Delays:
Please note that shipping times may vary due to factors beyond our control, such as weather conditions, natural disasters, or peak holiday periods. While we strive to ensure timely delivery, the exact arrival time cannot be guaranteed and is managed by the shipping carrier.
Shipping Options:
-
Standard Delivery: Most orders are shipped within 3-7 business days. Larger items may utilize LTL shipping for safe handling.
-
Handling Time: We handle shipments on business days (Monday - Friday), with a preparation time of 1-2 days.
-
Additional Charges: Some items require additional shipping charges due to their size, weight, or special handling. These charges are specified on the product pages and are not eligible for shipping discounts.
-
Exclusions: Gift cards, packaging, taxes, and prior purchases do not count toward the minimum purchase requirement for free shipping. This offer is valid only for shipments to U.S. addresses, including Puerto Rico.
Delivery Details:
-
Estimates: Standard shipping within the US typically takes 3-7 business days. These are estimates and not guarantees.
-
Shipping Restrictions: We ship to all 50 states, Washington, DC, U.S. territories, and APO/FPO/DPO addresses. Shipping options vary based on the delivery address.
-
Remote Areas: Shipments to remote areas may incur additional charges or require pickup from a nearby shipping partner’s location.
Shipping Confirmation:
You will receive a shipping confirmation email with a tracking number as soon as your order is dispatched. If you do not receive this email immediately, please be assured that your items will arrive within the estimated delivery window provided at checkout.
Order Modifications:
If you need to cancel or modify your order, please contact our customer support immediately.
Issues with Delivery:
If your order shows as delivered but you have not received it, please contact the shipping carrier directly to resolve the issue. For persistent problems, contact our customer service at cs@everymarket.com.
Customer Support:
Our team is available 24/7 to assist you with any questions or concerns regarding your order. We are committed to ensuring a smooth shopping experience.
Return & Refund Policy Overview
Please review our return and refund policies below to ensure a smooth transaction process.
Return Policy
-
Duration: You have 30 days from receiving your item to initiate a return.
-
Condition: Items must be unworn, unwashed, with original tags and packaging intact.
-
Shipping Costs: Customers are responsible for return shipping costs.
-
Packaging: Ensure returned items are well-packaged to avoid damage during transit.
-
Tracking: Use a trackable and insured shipping method as we are not liable for items lost or damaged on return.
-
Initiating a Return: Contact us at cs@everymarket.com to start your return. We will provide a return shipping label and instructions upon approval. Returns without prior approval will not be accepted.
How to Return
-
Method: Returns must be sent back by mail to the address provided in the return instructions.
Return Label
-
Defective Products: Return labels are provided for defective items.
-
Non-Defective Returns: Customers are responsible for obtaining their return shipping label.
Product Conditions for Return
-
Eligible Products: Returns are only accepted for items in new condition.
Nonreturnable Items
Certain items are not eligible for return:
-
Electronic devices after 30 days (e.g., computers, laptops, Kindles)
-
Gift cards, prepaid game cards
-
Perishable goods, live insects, some jewelry, some health and personal care items
-
Customized or personalized products
-
Items with special shipping restrictions
Refund Policy
-
Window: Eligible products may be returned within 30 days of delivery for a refund.
-
Refund Method: Refunds are processed to the original payment method or as store credit for items purchased with gift cards.
-
Processing Time: Refunds are processed within 3-5 business days after we receive the return; please allow additional time for shipping and bank processing.
Claims
Inspect your order upon arrival and report any defects, damages, or incorrect items immediately to allow us to address the issue. For claims, contact our support team with details of the issue.
Exchange Policy
For the quickest service, return your original item and place a new order for the desired product once your return is accepted.
Return Address
EveryMarket Customer Service 2101 E Terra Ln, O'Fallon, MO 63366
Customer Support
Available 24/7 for any questions or assistance needed:
-
Phone: +1 636-312-5925
-
Email: cs@everymarket.com
适读人群：银行业监管机构、各类银行机构管理及从业人员、为银行机构提供各种服务/产品的科技企业管理及从业人员、银行及数字化领域研究人员、金融类院校人员。
（1）本书由银行家研究中心银行数字化转型课题组牵头和主导，汇集了工/建/招等33家银行、阿里云等5家科技公司、安永咨询/毕马威管理咨询/德勤中国/波士顿咨询等4大咨询公司的研究成果和实践经验。
（2）从宏观趋势、行业案例、科技赋能、转型策略4个维度全面总结银行业数字化转型的经验和方法。
银行为什么要进行数字化转型？
先行者有哪些经验和方法值得我们借鉴？
银行数字化转型的路径和策略有哪些？
……
本书将从行业研究者的视角、行业实践者的视角、科技赋能者的视角和行业咨询顾问的视角对上述问题进行抽丝剥茧般探讨，汇集了1个银行数字化转型课题组、33家银行、5家科技公司、4大咨询公司的究成果和实践经验，讲解了银行业数字化转型的宏观趋势、行业先进案例、科技如何为银行业数字化转型赋能以及银行业数字化转型的策略。
全书共八篇，从逻辑上可以分为四大部分。
银行业数字化转型调研报告（01~06）
银行家研究中心银行数字化转型课题组
课题组自2017年下半年开始跟踪和研究银行数字化竞争力的构建，调研了大型商业银行、股份制银行、城商行、农商行（农信社）、互联网银行、金融科技公司等30余家机构，从战略规划、组织架构、业务模式、产品设计、营销策略、运营机制、风险管理以及ＩＴ系统等诸多领域入手，从多个视角观察行业动态，聚焦数字普惠金融、金融服务模式变革、运营再造、开放银行、场景金融及生态圈等行业热点话题，与业界共同探讨研究。课题组将搭建一个包括银行、智力服务等机构的合作交流平台，共同推动银行业数字化转型。
篇 银行数字化转型调研报告
01 银行数字化转型调研观察2
02 数字化重塑银行营销新模式8
03 跨界与融合重塑商业价值—交易银行数字化转型与产业互联网生态构建17
04 数字化转型中的数据安全与风险应对23
05 打造银行数字化风控体系长板30
06 企业架构驱动银行数字化转型35
第二篇 大型商业银行转型实践案例
07 中国工商银行：依托金融科技赋能银行新业态44
08 中国农业银行：小微金融数字化转型探索与实践53
09 中国建设银行：构建金融生态，探索数字化经营61
第三篇 股份制商业银行转型实践案例
10 招商银行：数字化转型的“道”与“术”70
中国的金融体系是银行主导型，中国的商业银行系统是的宏观相关部门，在支撑实体经济发展、维护金融稳定、促进国民经济内外循环方面具有举足轻重的作用。自2008年全球金融危机爆发以来，中国商业银行系统在分业监管的框架下坚持为实体经济服务，不断排查和降低系统性金融风险，秉持不断改革开放的理念，在使中国跻身世界第二大经济体方面做出了巨大贡献。2020年，在全世界遭受新冠肺炎疫情冲击、全球性经济衰退的大背景下，中国经济率先复苏，中国的商业银行体系功不可没。
2008年全球金融危机爆发后，国际经济学界关心的问题是，怎样在危机冲击、金融缩表之后让资金对实体经济提供有力支持。本次新冠肺炎疫情中，世界各国经济学家关心的是，怎样在普遍的经济衰退趋势中充分发挥金融部门的作用，让经济不致停摆，让经济循环能够顺畅，让生产、贸易和流通重新焕发活力。中国政府在运用金融部门力量，特别是中国商业银行系统力量复工复产、稳就业、稳增长方面推出了一系列有力度的政策措施，中国的银行体系也成为稳健、有力、能对实体经济提供有效支持的金融力量。
所有金融机构都要抓紧数字化转型，唯有如此，才能切实提高我们服务大众的本领（摘自2020年金融街论坛主题演讲）。
——郭树清 中国人民银行党委书记/中国银保监会主席
数字化转型已成为我国经济社会发展的整体趋势。金融业实现数字化转型，要在做实、做强、做活数据资产上下功夫（摘自第三届数字中国建设峰会主题演讲）。
——陈四清 中国工商银行董事长
数字化经营对于商业银行而言，不是想不想做的附加题，而是必须做好的必答题（摘自2020年金融街论坛主题演讲）。
——刘桂平 中国人民银行党委委员、副行长/原中国建设银行行长
Shipping Overview:
• Shipping: Standard Domestic Shipping within the United States charges USD 4.99. Standard International Shipping from United Kingdom, Germany and Japan to the United States charges 14.99.
• Order Processing: Please allow 1-2 business days for order processing and preparation before shipment.
• Domestic Shipping: Orders within the U.S. are shipped via USPS or FedEx, depending on the origin of the product. The average transit time is 3-7 business days.
• International Shipping: Currently, we only ship within the USA.
• Tracking Information: Every order is trackable. You will receive a tracking number once your order has been shipped. Products may be shipped from various global fulfillment centers.
Shipping Delays:
Please note that shipping times may vary due to factors beyond our control, such as weather conditions, natural disasters, or peak holiday periods. While we strive to ensure timely delivery, the exact arrival time cannot be guaranteed and is managed by the shipping carrier.
Shipping Options:
-
Standard Delivery: Most orders are shipped within 3-7 business days. Larger items may utilize LTL shipping for safe handling.
-
Handling Time: We handle shipments on business days (Monday - Friday), with a preparation time of 1-2 days.
-
Additional Charges: Some items require additional shipping charges due to their size, weight, or special handling. These charges are specified on the product pages and are not eligible for shipping discounts.
-
Exclusions: Gift cards, packaging, taxes, and prior purchases do not count toward the minimum purchase requirement for free shipping. This offer is valid only for shipments to U.S. addresses, including Puerto Rico.
Delivery Details:
-
Estimates: Standard shipping within the US typically takes 3-7 business days. These are estimates and not guarantees.
-
Shipping Restrictions: We ship to all 50 states, Washington, DC, U.S. territories, and APO/FPO/DPO addresses. Shipping options vary based on the delivery address.
-
Remote Areas: Shipments to remote areas may incur additional charges or require pickup from a nearby shipping partner’s location.
Shipping Confirmation:
You will receive a shipping confirmation email with a tracking number as soon as your order is dispatched. If you do not receive this email immediately, please be assured that your items will arrive within the estimated delivery window provided at checkout.
Order Modifications:
If you need to cancel or modify your order, please contact our customer support immediately.
Issues with Delivery:
If your order shows as delivered but you have not received it, please contact the shipping carrier directly to resolve the issue. For persistent problems, contact our customer service at cs@everymarket.com.
Customer Support:
Our team is available 24/7 to assist you with any questions or concerns regarding your order. We are committed to ensuring a smooth shopping experience.
Return & Refund Policy Overview
Please review our return and refund policies below to ensure a smooth transaction process.
Return Policy
-
Duration: You have 30 days from receiving your item to initiate a return.
-
Condition: Items must be unworn, unwashed, with original tags and packaging intact.
-
Shipping Costs: Customers are responsible for return shipping costs.
-
Packaging: Ensure returned items are well-packaged to avoid damage during transit.
-
Tracking: Use a trackable and insured shipping method as we are not liable for items lost or damaged on return.
-
Initiating a Return: Contact us at cs@everymarket.com to start your return. We will provide a return shipping label and instructions upon approval. Returns without prior approval will not be accepted.
How to Return
-
Method: Returns must be sent back by mail to the address provided in the return instructions.
Return Label
-
Defective Products: Return labels are provided for defective items.
-
Non-Defective Returns: Customers are responsible for obtaining their return shipping label.
Product Conditions for Return
-
Eligible Products: Returns are only accepted for items in new condition.
Nonreturnable Items
Certain items are not eligible for return:
-
Electronic devices after 30 days (e.g., computers, laptops, Kindles)
-
Gift cards, prepaid game cards
-
Perishable goods, live insects, some jewelry, some health and personal care items
-
Customized or personalized products
-
Items with special shipping restrictions
Refund Policy
-
Window: Eligible products may be returned within 30 days of delivery for a refund.
-
Refund Method: Refunds are processed to the original payment method or as store credit for items purchased with gift cards.
-
Processing Time: Refunds are processed within 3-5 business days after we receive the return; please allow additional time for shipping and bank processing.
Claims
Inspect your order upon arrival and report any defects, damages, or incorrect items immediately to allow us to address the issue. For claims, contact our support team with details of the issue.
Exchange Policy
For the quickest service, return your original item and place a new order for the desired product once your return is accepted.
Return Address
EveryMarket Customer Service 2101 E Terra Ln, O'Fallon, MO 63366
Customer Support
Available 24/7 for any questions or assistance needed:
-
Phone: +1 636-312-5925
-
Email: cs@everymarket.com
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