摘要： 从银行业发展视角提出了对数字化转型定义，分析了市场中有代表性数字化转型模型，描述了银行在数字化转型实践中多种策略特点，并以德意志银行在中国金融科技实践进行具体分析。阐述了德意志银行在中国数字化转型的具体实践内容，分析了BLUE WATER SPACE战略意义与功能，指出升级后的德银金融科技实验室是边缘创新的成功事例。德意志银行(中国)基于发展服务提出的建立开放式银行、提升客户服务水平、拥抱先进数字技术三者协同的数字生态共生发展战略，对于我国国有商业银行的数字化转型具有参考价值。
中圖分類號： F832 文獻標(biāo)識碼： A DOI： 10.19358/j.issn.2096-5133.2021.07.003 引用格式： 王大剛，滕德群. 德意志銀行(中國)數(shù)字化轉(zhuǎn)型：金融科技創(chuàng)新實踐[J].信息技術(shù)與網(wǎng)絡(luò)安全，2021，40(7)：12-18.
Deutsche Bank(China) digital transformation：fintech and innovation
Wang Dagang1，2，Teng Dequn3
(1.Digital Finance Postdoctoral Station，Universit?覿t Bayreuth，Bayreuth 95444，Germany； 2.Center for Digital Finance and Digital Belt and Road Research, Institute of Artificial Intelligence and Change Management，Shanghai University of International Business and Economics，Shanghai 200336，China； 3.Institute for Manufacturing，University of Cambridge，Cambridge CB21TN，the United Kingdom)
Abstract： This paper presents a definition of digital transformation from the perspective of banking industry development, analyzes representative digital transformation models in the market, describes various strategic features of banks in digital transformation practice, and provides a specific analysis of Deutsche Bank(DB)′s fintech practice in China. Additionally, this paper illustrates the specific content of DB′s digital transformation practice in China, analyzes the strategic significance and functions of BLUE WATER SPACE, and points out that the upgraded DB fintech lab is a successful example of edge innovation. The digital ecological symbiosis development strategy of establishing open banking, improving customer service and embracing advanced digital technology, which is proposed by DB China based on development services, has reference value for the digital transformation of state-owned commercial banks in China.
Key words : Deutsche Bank；digital transformation；fintech；marginal innovation；symbiotic strategy
