Research On The Development Of Middle Platform Model Of Commercial Banks Based On Digital Strategy

The changes in internet business models and the development of new technologies in the digital economy have put forward new requirements for enterprises,which require them to continuously enhance their competitive advantages in a fiercely competitive market environment.Data has become the core asset of the financial industry,and product innovation and operational model optimization based on digital assets have also become key development directions for banks."Zhongtaihua" is considered one of the important models for banks to explore the value of data.The rapid development of new market participants such as fintech companies and internet platforms has had a serious impact on the traditional business,business models,and development strategies of commercial banks.The development of commercial banks faces multiple challenges,and Digital transformation has become the inevitable choice of their development strategy.Based on the digital economy theory and enterprise innovation theory,this paper analyzes the Digital transformation strategy and the middle office model of domestic commercial banks,and uses the case analysis method to analyze the middle office model of Bank A based on the Digital transformation strategy,and puts forward corresponding countermeasures and suggestions.Bank A is one of the first banks to arrange Digital transformation,but its Digital transformation is still in the stage of continuous exploration.By analyzing the actual case of A Bank’s digital platform,it has been confirmed that the platform model has a driving effect on the business development and management of commercial banks based on digital strategy.At the same time,this article also identified some of the problems that exist in the current construction process of A Bank’s digital platform,and analyzed the reasons for the formation of the problems.This paper focuses on the analysis of the research on Digital transformation and digital middle office,highlighting that the construction of digital middle office is an important strategy for commercial banks to build big data service systems.Based on the PEST analysis method,the background of commercial banks’ digital strategy is analyzed,and the necessity of digital strategic transformation of commercial banks in the context of the digital economy is elaborated.It is believed that the construction of bank digital platforms coordinates the technical center,business center,and data center,and links traditional and emerging businesses.The article summarizes the basic development situation of Bank A,analyzes the middle platform model of Bank A based on SWOT analysis method,analyzes the problems in the implementation process of digital middle platforms,as well as the advantages,disadvantages,opportunities,and threats in the implementation process of digital middle platforms.The analysis results indicate that the main problems are weak investment in science and technology,severe product homogenization,low agility of organizational structure,misallocation of human resource allocation,and weak independent innovation ability.From the analysis results of the SWOT matrix,it can be seen that Bank A’s choice of the "WO" turnaround strategy is more suitable for the construction of future data centers.After in-depth analysis of the causes of the problems,targeted suggestions and safeguard measures for the development of A Bank’s digital platform construction under the background of digital strategy are proposed.The main recommendations are to reshape the digital operation and management model,build a digital marketing model,strengthen the research and development of digital center services,deepen support for technological innovation,and strengthen policy regulatory adaptability.Specific guarantee measures include organizational guarantee,talent guarantee,risk prevention ability guarantee,and product research and development guarantee.The research helps Bank A to re-examine its strategic positioning in the digital center,clarify the implementation path of the strategy,and promote the experience to other banks and the financial industry;Research also helps to enrich theories related to the digital economy and improve its universality in financial industry analysis.The research has reference and significance for the next development of digital platforms in banking business.