Research On The Comprehensive Evaluation Of The Effectiveness Of The Digital Transformation Of Retail Finance In Bank A

With continuous adjusting economic structure,transformation and upgrading of China’s Banks are in steady progress,the inevitable developing trend of digital transformation into a commercial bank,founded in early 2022 silver and China insurance regulatory commission issued the "guidance" banking insurance digital transformation of,will increase the importance of digital transformation of Chinese commercial Banks to a new level.The digital transformation of commercial banks is a systematic project,which is to reengineer the whole process of bank operation,management and decision-making by using digital thinking and various technical methods of fintech.However,retail financial business is increasingly becoming the focus of the digital transformation of commercial banks,which is characterized by extensive customer coverage,relatively dispersed risks and strong customer stickiness.In the wave of digital transformation of China’s commercial banks,Bank A has also carried out corresponding exploration,developed digital transformation strategy of retail finance,and carried out project construction and application.However,in the process of transformation promotion and implementation,there is a lack of systematic measurement and comprehensive evaluation on the application effect and how to rank and compare among branches within the system,which makes it difficult to meet the management needs.Therefore,Bank A needs to construct A comprehensive evaluation scheme for the effectiveness of retail finance digital transformation that is adapted to the actual situation of Bank A.This paper takes the digital transformation of retail finance of Bank A as the background and takes the comprehensive effectiveness evaluation as the research object.First through digital transformation of commercial Banks and comprehensive evaluation of relevant theory and research results of analysis,combining the reality of Bank A,choose specific evaluation indexes,and by using Delphi method several rounds of survey,to supplement and subtract,the index system,build A set of contains six dimensions of 16 indicators of retail financial digital transition effect comprehensive evaluation index system.Furthermore,the importance level difference of each index is comprehensively considered,the subjective and objective weight is measured by analytic hierarchy process and entropy weight method,and the index weight is effectively optimized by the combination of game theory,so as to obtain a more scientific and reasonable evaluation index weight.TOPSIS method was used to rank,and A comprehensive evaluation model for the effectiveness of Bank A’s retail finance digital transformation was formed.Then combine Bank A data into the evaluation model practice and test.Empirical analysis is made on the effect of Bank A’s retail finance digital transformation.Evaluate the branches within the jurisdiction of Bank A,compare the improvement situation,and put forward suggestions for improvement according to the evaluation results.Through verification,it is concluded that the evaluation model constructed in this study has certain practical value in Bank A system.This paper meets the needs of BANK A for the comprehensive evaluation system of the effectiveness of retail finance digital transformation.The research results can provide reliable and comprehensive evaluation conclusions for the digital transformation of retail finance of Bank A,and support the needs of refined management and supervision promotion.At the same time,it provides some reference for the digital transformation and development of retail finance of commercial banks in China.