Intelligent Evaluation Method for the Credibility of Bank Digital Transformation from the Perspective of Artificial Intelligence

Abstract

AbstractThe application of artificial intelligence technology has become increasingly widespread and has penetrated into all areas of life. Based on artificial intelligence technology, based on the high-quality development connotation of macro-economy, enterprises and banking, this article maps the high-quality development of the three levels of macro, medium and micro to commercial banks, and explains the connotation and levels of high-quality development of commercial banks. Based on the obtained logical framework for the high-quality development of commercial banks, construct a high-quality development evaluation system for commercial banks. Research shows that the rising trend in recent years is because commercial banks have improved their own efficiency and innovation capabilities, and strengthened their shared functions with society, shareholders, and employees. Different types of commercial banks have different high-quality development status. Joint-stock banks are the best, followed by state-owned banks. City commercial banks and rural commercial banks have a tendency to differentiate, and regional banks in economically developed areas have developed better. Chinese commercial banks need to grasp the two key points of innovation and sharing, and use financial technology and sharing mechanisms as the starting point to promote the improvement of commercial banks' innovation capabilities and efficiency levels, enhance their ability to serve the real economy, and achieve high-quality development of themselves and the macro economy.KeywordsArtificial intelligenceCommercial banksHigh-quality developmentEvaluation system