AI时代中小银行遭遇数据库迭代难题，外滩大会报告给出三大建议

Core Insights - The article discusses the challenges faced by small and medium-sized banks in China regarding database transformation in the AI era, highlighting the disparity in digitalization levels compared to large banks [1][3]. Group 1: Digital Transformation Challenges - 70% of surveyed banks reported that their existing databases cannot support semi-structured, unstructured, and vector data processing, which is crucial for upgrading their database capabilities [3]. - The digitalization level of small and medium-sized banks is around 50%, significantly lower than the over 90% level of large banks, primarily due to database replacement issues [1][3]. - The banking industry is experiencing a "two-eight" distribution effect, where large state-owned and joint-stock banks dominate 80% of revenue and profits, further squeezing the survival space for smaller banks [3][4]. Group 2: Key Issues for Small and Medium-Sized Banks - Small and medium-sized banks face three main challenges: key business responsibilities, real-time data analysis, and AI application implementation [4]. - The need for continuous banking operations is critical, with 69.57% of surveyed banks urgently requiring disaster recovery and data consistency capabilities [5]. - 43.48% of banks expressed an urgent need for database scalability to handle peak transaction volumes effectively [5]. Group 3: Database Selection Criteria - 100% of surveyed banks prioritize operational complexity and cost metrics when selecting a database, while 91.30% consider vendor service capability, domestic support, and security as important factors [6]. - The core logic for database construction in small and medium-sized banks is to meet essential business requirements at the lowest cost, avoiding over-investment [6][7]. - The selection principles for databases include prioritizing cost-effectiveness, avoiding complex architectures, and utilizing automation to reduce operational costs [6][7]. Group 4: Future Trends - The report anticipates that integrated databases will become a core development trend, with deep integration of AI and databases expected to enhance capabilities [7]. - Domestic databases are projected to achieve global competitiveness, with a potential for complete replacement of foreign databases within the next 3-5 years [7]. - Distributed databases are expected to be a future trend, but small and medium-sized banks are likely to prefer integrated databases for critical business areas [7].