Study On The Digitization Strategy Of Whole Village Credit Business In TS Rural Commercial Bank

The era background of digital development has played a good role in promoting inclusive financial services promoted by the government and carried out by the banking industry.Village credit is one of the important services for rural commercial banks at all levels to carry out inclusive finance.Influenced by the characteristics of such financial service customers being numerous and scattered,small and miscellaneous,the traditional operation mode of commercial banks is characterized by high cost,difficult operation,low enthusiasm of employees,scattered risk and difficult control in the construction and operation of this banking product and service system.This has become a contradiction between the fulfillment of rural Commercial Bank’s social responsibility and the realization of corporate profit goal.This study takes TS Rural Commercial Bank as the research object,applies the theories of process reengineering and dynamic capacity,and adopts the methods of literature research,comparative analysis and field investigation to analyze the systematic problems faced by TS Rural Commercial Bank in the traditional operation mode of village credit business,such as cumbersome process,low efficiency,backward means,difficult assessment and increased risk.The paper systematically combs and analyzes the main causes that lead to the formation of problems,such as the lack of bank management planning,the imperfect assessment mechanism,the unreasonable personnel coordination,the lagging information construction and so on.On this basis,it puts forward a path for TS Rural Commercial Bank to realize the development of high-quality inclusive finance services,high-intensity risk prevention and control and other banking businesses to higher management goals by means of digital transformation,and then puts forward specific strategies such as systematic structure,management platform,intelligent credit acquisition and talent compound.Based on the proposal of the strategy,the safeguard measures for the implementation of the strategy in different dimensions such as organization system,management system,human resources and technology application are constructed.This topic strives to promote the continuous progress of the digital reform of TS Rural Commercial Bank through the research and analysis of the platform construction,the whole village credit business process,risk control,talent reserve and other aspects.At the same time,it can also provide references for scholars engaged in the research of small and medium-sized banks’ credit business.