卸任一年，渤海银行原副行长赵志宏被通报。 9月26日，天津通报5起违反中央八项规定精神问题，其中，渤海银行原执行董事、副行长、首席风险管理官赵 志宏违规收受礼品礼金案例在列。 这是官方首次披露，赵志宏已被查处并已获刑。 因受贿罪被判十年 根据中央纪委国家监委网站，渤海银行原执行董事、副行长、首席风险管理官赵志宏违规收受礼品礼金。 在渤海银行任职的九年期间，赵志宏曾多次发表公开文章，谈论商业银行的风险防控、数字化转型等。 渤海银行成立于2005年12月，并于2020年7月16日在香港联交所主板上市。官网显示，该行是《中国商业银行 法》2003年修订以来，唯一一家全新成立的全国性股份制商业银行，同时是第一家自2000年来在发起设立阶段 就引进境外战略投资者的全国性股份制商业银行、第一家总部设在天津的全国性股份制商业银行。 截至目前，该行高级管理层形成"一正四副"格局，分别为：行长屈宏志，四位副行长谢凯、李建国、齐君、邓 蓓；其中，齐君兼任首席风险管理官、邓蓓兼任资金运营中心总经理。 中秋、国庆将至，中纪委此时通报，旨在巩固和拓展中央八项规定精神的贯彻成果，并通过强化纪律要求、警 示震慑，营造风清气正的节日氛围。 ...

Core Viewpoint - The article emphasizes the importance of digital transformation for Chinese commercial banks, highlighting the need for high-quality development and the integration of digital finance into their operations to enhance service efficiency and competitiveness [2][3]. Group 1: Digital Transformation Direction - The digital transformation of commercial banks is driven by the integration of digital economy and traditional banking, focusing on enhancing financial services through advanced technologies like AI, big data, and blockchain [3]. - The future of banking will see a shift from providing specific financial products to embedding financial services seamlessly into daily life, enhancing customer experience [3]. - Deep digitalization will create competitive advantages through high-frequency scenarios and customer profiling, enabling banks to better serve their clients [3]. Group 2: Challenges in Digital Transformation - The development of data capability systems is lagging behind the pace of digital transformation, limiting banks' ability to innovate [6]. - There is often a disconnect between business needs and digital transformation efforts, with a focus on system development rather than actual service requirements [7]. - Traditional organizational structures hinder the responsiveness of technology and business lines to evolving market demands, leading to inefficiencies [8]. Group 3: Basic Thoughts on Digital Transformation - The primary focus should be on maximizing data value, with strategies centered around governance, application, and management optimization [10]. - Implementing AI models to empower core business processes is essential, with a focus on creating intelligent workflows and enhancing customer interactions [11]. - A dynamic tracking incentive mechanism should be established to encourage the use of digital tools across business departments [11]. Group 4: Effective Promotion of Digital Transformation - The transformation process should follow a structured path: strategic transformation, architectural transformation, technological transformation, and business transformation [12]. - Strengthening top-level leadership and creating agile organizational structures will enhance responsiveness to market needs [13]. - Business transformation should prioritize mobile-first strategies, scenario-based services, and intelligent risk management to adapt to the digital landscape [14].