Exploration and practice in the business transformation of commercial banks 并列题名：Exploration and practice in the business transformation of commercial banks New urbanization and the transformation of commercial banks 并列题名：New urbanization and the transformation of commercial banks Exploration and practice of IT innovations for small and medium-sized commercial banks Application and practice of artificial intelligence in commercial banks 并列题名：Exploration and practice of IT innovations for small and medium-sized commercial banks General theory of strategic transformation of commercial bank IT agile transformation of commercial banks Research and practice of big data governance in commercial banks