| 摘要: |
| 随着人工智能、云计算、大数据、区块链等信息技术的快速发展，我国数字经济进入高速发展阶段。金融科技运用不断深化，数字银行、手机银行广泛普及，包括数字资产、数字货币、线上交易在内的数字金融发展日新月异。因此，商业银行数字化转型是科技发展、时代进步和适应市场环境的必然要求。研究商业银行数字化转型的最新实践，剖析面临的主要问题与挑战，提出针对性建议，对于推进我国商业银行经营改革发展、提升服务实体经济质效、促进金融业高质量发展具有重要意义。 |
| 关键词: 商业银行；数字化转型；实践；对策 |
| DOI： |
| 分类号:F832.2 |
| 基金项目:基金项目：重庆市金融学会2022年招标课题“商业银行数字化转型理论与实践”（22ZBND25）。 |
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| Research on the Latest Practice，Main Challenges and Countermeasures of Digitalization of Commercial Banks |
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Research Group of Chongqing Branch of China Zheshang Bank
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（China Zheshang Bank，Chongqing Branch）
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| Abstract: |
| In recent years,a number of professional general aviation aircraft financial leasing enterprises have emerged for the development of general aviation businesses.These enterprises have provided financial leasing services for thousands of general aviation fights,showing a sound momentum of development.With an aim to make up for the gaps in the theoretical foundation for the sound development of the industry,the paper focuses on the research of the risks of lease items,the risks to be born by the lessee and the lessor respectively and methods to manage the risks of each party in general aviation aircraft leasing businesses.According to research,in general aviation aircraft leasing businesses,priority should be given to aircraft types with large market volumes in the choice of aircraft for lease items,and it is necessary to ensure that the aircraft is always well-maintained for flight;and the lessee should give priority to enterprises with rich experience in general aviation aircraft operation because clear ownership of lease items are of vital importance besides the balance between the risk and the profit when it comes to leasing schemes.This paper enriches the research literature related to general aviation financial leasing businesses and provides feasible operational guidelines for industry practice. |
| Key words: Commercial Bank；Digitization；Transformation；Theory；Practice |
