《保险研究》20250401-《银行保险机构数字化转型：功能、困境及前瞻》（龚明华）

［摘   要］数字化转型是银行保险机构适应数智时代要求、满足迭代市场需求的必然选择。本文首先进行银行保险机构数字化转型的理论分析，然后剖析其在创新产品和服务、促进精准营销、优化管理和风控、发展普惠金融等方面的功能，探索转型机构在数据能力、信息安全、外部合作、组织建设、权益保护、人才缺失、风险控制、主体平权、金融监管等方面面临的困境，最后，在借鉴国际转型经验的基础上，对未来我国银行保险机构数字化转型的重点方向进行展望。

［关键词］银行保险机构；数字化转型；功能；困境；前瞻

［作者简介］龚明华，中国保险学会党委副书记、副会长，研究员，对外经济贸易大学博士生导师。

Digital Transformation in Banking and Insurance Institutions：Functionalities，Challenges，and Prospects

GONG Ming-hua

Abstract：Digital transformation is an inevitable choice for banking and insurance institutions to adapt to the requirements of the digital era and meet the iterative market demands.This paper first conducts a theoretical analysis of the digital transformation of banking and insurance institutions，then analyzes its functions in innovating products and services，promoting precision marketing，optimizing management and risk control，and developing inclusive finance.Next，it explores the challengers faced by transforming institutions in areas such as data capabilities，customer information security，external collaboration，organizational construction，consumer rights protection，talent shortages，risk control，equal rights for market entities，and effective supervision.Finally，drawing on international experiences，it elaborates on the prospects of the key directions for the digital transformation of banking and insurance institutions in China.

Key words：banking and insurance institutions;digital transformation;functions;challengers;prospects