title: ÐÐ»Ð¸ÑÐ½Ð¸Ðµ ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð½Ð° ÑÐ¾ÑÐ¼Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾Ð¹ Ð±Ð¸Ð·Ð½ÐµÑ-Ð¼Ð¾Ð´ÐµÐ»Ð¸ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¹ ÐÐ¸ÑÐ°Ñ
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¼Ð°Ð³Ð¸ÑÑÑÐ°
titleType: Subtitle
title: Impact of digitalization on the formation of a competitive business model in credit organizations in China
Creators: name: Ð¦Ð·ÑÐ½ Ð¡Ð¸Ð½ÑÐ¸
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2023
Subjects: ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ñ
ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐµ ÑÑÑÐµÐ¶Ð´ÐµÐ½Ð¸Ñ
Ð±Ð¸Ð·Ð½ÐµÑ-Ð¼Ð¾Ð´ÐµÐ»Ð¸
ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
ÐÐ¸ÑÐ°Ð¹
digitalization
credit organization
business model
competitiveness
China

description: Ð¦ÐµÐ»Ñ ÐÐÐ  â Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ðµ Ð°Ð½Ð°Ð»Ð¸Ð·Ð° ÑÐ²Ð¾Ð»ÑÑÐ¸Ð¸ Ð¿ÑÐ¾ÑÐµÑÑÐ¾Ð² ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¹ ÑÐ¸ÑÑÐµÐ¼Ñ ÐÐ¸ÑÐ°Ñ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐ°ÑÑ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¸ Ð¿Ð¾ ÑÐ¾ÑÐ¼Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾Ð¹ Ð±Ð¸Ð·Ð½ÐµÑ-Ð¼Ð¾Ð´ÐµÐ»Ð¸ ÐºÐ¸ÑÐ°Ð¹ÑÐºÐ¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð². ÐÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ðµ Ð²ÑÐ¿Ð¾Ð»Ð½ÑÐ»Ð¾ÑÑ Ð½Ð° Ð±Ð°Ð·Ðµ ÐºÐ¸ÑÐ°Ð¹ÑÐºÐ¾Ð³Ð¾ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ ÑÐµÐºÑÐ¾ÑÐ°, Ð¿Ð¾ Ð¼Ð°ÑÐµÑÐ¸Ð°Ð»Ð°Ð¼ Ð½ÐµÑÐºÐ¾Ð»ÑÐºÐ¸Ñ ÐºÐ»ÑÑÐµÐ²ÑÑ Ð±Ð°Ð½ÐºÐ¾Ð² ÐÐ¸ÑÐ°Ñ. ÐÑÐµÐ´Ð¼ÐµÑ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ â Ð¿ÑÐ¾ÑÐµÑÑÑ ÑÐ¸ÑÑÐ¾Ð²Ð¾Ð¹ ÑÑÐ°Ð½ÑÑÐ¾ÑÐ¼Ð°ÑÐ¸Ð¸ Ð±Ð¸Ð·Ð½ÐµÑ-Ð¼Ð¾Ð´ÐµÐ»ÐµÐ¹ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¹ ÑÐ¸ÑÑÐµÐ¼Ñ. ÐÐµÑÐ¾Ð´Ñ: Ð² Ð¿ÑÐ¾ÑÐµÑÑÐµ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð»Ð¸ÑÑ Ð¾Ð±ÑÐµÐ½Ð°ÑÑÐ½ÑÐµ Ð¼ÐµÑÐ¾Ð´Ñ, Ð° ÑÐ°ÐºÐ¶Ðµ Ð¼ÐµÑÐ¾Ð´Ñ Ð°Ð½Ð°Ð»Ð¸Ð·Ð°, Ð½Ð°Ð±Ð»ÑÐ´ÐµÐ½Ð¸Ñ. ÐÑÐ½Ð¾Ð²Ð½ÑÐµ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÑ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: - Ð¸Ð·ÑÑÐµÐ½Ñ ÑÐµÐ¾ÑÐµÑÐ¸ÑÐµÑÐºÐ¸Ðµ Ð¾ÑÐ½Ð¾Ð²Ñ ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ ÑÐµÐºÑÐ¾ÑÐ°; - Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½Ð° ÑÐ²Ð¾Ð»ÑÑÐ¸Ñ ÑÐ¸ÑÑÐ¾Ð²Ð¾Ð¹ ÑÑÐ°Ð½ÑÑÐ¾ÑÐ¼Ð°ÑÐ¸Ð¸ Ð² ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ñ Ð±Ð°Ð½ÐºÐ°Ñ; - ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐ°Ð½Ñ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¸ Ð¿Ð¾ Ð¿Ð¾Ð²ÑÑÐµÐ½Ð¸Ñ ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð±Ð¸Ð·Ð½ÐµÑ-Ð¼Ð¾Ð´ÐµÐ»ÐµÐ¹ ÐºÐ¸ÑÐ°Ð¹ÑÐºÐ¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð². ÐÐ°ÑÑÐ½Ð°Ñ Ð½Ð¾Ð²Ð¸Ð·Ð½Ð°Â Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: Ð² ÑÑÑÑÐºÐ¾ÑÐ·ÑÑÐ½Ð¾Ð¹ Ð»Ð¸ÑÐµÑÐ°ÑÑÑÐµ Ð²Ð¿ÐµÑÐ²ÑÐµ ÐºÐ¾Ð¼Ð¿Ð»ÐµÐºÑÐ½Ð¾ Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÑÐµÑÑÑ Ð²Ð»Ð¸ÑÐ½Ð¸Ðµ ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð½Ð° ÑÑÐ°Ð½ÑÑÐ¾ÑÐ¼Ð°ÑÐ¸Ð¾Ð½Ð½ÑÐµ Ð¿ÑÐ¾ÑÐµÑÑÑ Ð±Ð¸Ð·Ð½ÐµÑ Ð¼Ð¾Ð´ÐµÐ»ÐµÐ¹ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ ÑÐµÐºÑÐ¾ÑÐ° ÐÐ¸ÑÐ°Ñ. ÐÑÐ²Ð¾Ð´. ÐÐ°Ð´Ð°ÑÐ¸ ÐÐÐ  ÑÐµÑÐµÐ½Ñ, ÑÐµÐ»Ñ Ð´Ð¾ÑÑÐ¸Ð³Ð½ÑÑÐ°, Ð¾Ð¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ð° Ð¾Ð±Ð»Ð°ÑÑÑ Ð¿ÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ¾Ð², ÑÐ°ÐºÐ¶Ðµ ÑÑÐ¾ÑÐ¼ÑÐ»Ð¸ÑÐ¾Ð²Ð°Ð½Ñ Ð¿ÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ñ Ð´Ð»Ñ Ð´Ð°Ð»ÑÐ½ÐµÐ¹ÑÐµÐ³Ð¾ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ Ð½Ð°Ð¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ.
description: The purpose of the WRC is to develop recommendations on the formation of a competitive business model for Chinese banks based on an analysis of the evolution of the digitalization processes of the Chinese banking system. The study was carried out on the basis of the Chinese banking sector, based on materials from several key banks in China. The subject of the research is the processes of digital transformation of business models of the banking system. Methods: in the course of the study, general scientific methods were used, as well as methods of analysis and observation. The main results of the study: - the theoretical foundations of digitalization of the banking sector were studied; - analyzed the evolution of digital transformation in commercial banks; - recommendations were developed to improve the competitiveness of Chinese banks business models. Scientific novelty of the study: for the first time in the Russian-language literature, the impact of digitalization on the transformational processes of business models of the Chinese banking sector is analyzed in a comprehensive manner. Conclusion. The tasks of the WRC have been solved, the goal has been achieved, the scope of the results has been determined, and prospects for further research of the direction have been formulated.