摘要
当前，新一代信息技术发展迅猛，移动互联网、大数据、云计算、物联网、虚拟现实和人工智能深度融合了经济社会的各个产业，促进了数字经济的迅速发展。新信息技术的应用使得金融科技快速兴起并迅速发展，商业银行传统的理财、信贷、支付等业务不断被侵蚀，商业银行进行数字化转型已经成为一种趋势。因此，研究商业银行数字化转型与其经营绩效的关系，对促进商业银行健康可持续发展，具有重要意义。
关键词： 商业银行；数字化转型；经营绩效
Abstract
At present, the new generation of information technology is developing rapidly. Mobile Internet, big data, cloud computing, Internet of Things, virtual reality and artificial intelligence have deeply integrated various industries of the economic society, promoting the rapid development of the digital economy. The application of new information technology has led to the rapid rise and development of financial technology. Traditional wealth management, credit, payment and other businesses of commercial banks are constantly being eroded, and digital transformation of commercial banks has become a trend. Therefore, studying the relationship between digital transformation of commercial banks and their operational performance is of great significance for promoting the healthy and sustainable development of commercial banks.
Key words： Commercial bank; Digital transformation; Business performance
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