Research on the Dilemmas and Strategies of Digital Transformation in Supply Chain Finance for Commercial Banks

Abstract

With the rapid development of digital technology, digital transformation in supply chain finance has become a crucial avenue for commercial banks to enhance business efficiency and competitiveness. However, this process faces various challenges related to technology, organization, and regulation. This paper aims to explore the major dilemmas encountered by commercial banks during their digital transformation in supply chain finance and propose corresponding strategies. By analyzing the current state of digital transformation, identifying common issues through data analysis, and addressing challenges related to technology, organization, and regulation, this paper presents improvement measures. These strategies include technological innovation, organizational culture adjustment, and regulatory and policy adaptation. The research results provide practical references and theoretical support for commercial banks undergoing digital transformation in supply chain finance and are significant for advancing the digitalization of the banking industry.