CURRENT PROBLEMS AND CONSTRAINTS IN THE DEVELOPMENT OF CORPORATE BANKING SERVICES

This study examines the current problems and constraints in the development of corporate banking services in the context of rapid digital transformation and financial innovation. The research highlights the dual impact of emerging technologies, which enhance efficiency and service quality while simultaneously introducing new risks related to cybersecurity, operational stability, and data management. Additionally, the study analyzes the role of regulatory frameworks, legacy systems, and increasing competition from FinTech firms as key limiting factors. Particular attention is given to the challenges faced by banks in adapting to evolving market demands and technological advancements. The findings suggest that a balanced approach integrating innovation, risk management, and regulatory compliance is essential for ensuring the sustainable development and competitiveness of corporate banking services.本研究考察快速数字化转型与金融创新背景下公司银行业务发展面临的现存问题与制约因素。研究揭示了新兴技术的双重影响：其既可提升运营效率与服务质量，同时也会催生网络安全、运营稳定性与数据管理领域的新型风险。此外，本研究还剖析了监管框架、遗留系统（legacy systems）以及金融科技（FinTech）企业竞争加剧等核心制约因素的作用。研究特别关注了银行在适配不断变化的市场需求与技术迭代进程中所遭遇的各类挑战。研究结果表明，唯有采取兼顾创新、风险管理与监管合规的平衡路径，方能保障公司银行业务的可持续发展与市场竞争力。