| With the rapid iteration of digital technology,the advent of the digital economy is becoming clearer and clearer.The digital transformation has overturned the traditional business and operation mode of financial institutions,and rural commercial banks,as part of rural financial institutions,have brought new opportunities and challenges to their transformation.In addition,as an important component of the rural financial system,rural commercial banks have been making great contributions to stabilizing the rural financial environment and serving the "three rural areas" in China,especially the development of inclusive financial services has provided a solid guarantee for consolidating the achievements of poverty eradication in China.As a key area for rural commercial banks to transform themselves by using digital technology,the digital transformation of inclusive finance business improves their business operation efficiency and risk control management capacity by combining traditional business models with digital technology,which makes the rural financial environment more stable and mature and can precisely meet the credit needs of disadvantaged groups in rural areas,so as to promote the development of rural economy and consolidate the achievements of poverty eradication.The focus of this paper is on how rural commercial banks can combine digital technology and inclusive finance to improve the quality and efficiency of inclusive finance business and services,to truly realize the commercial sustainability of inclusive finance,and to better serve the rural economy.This paper takes the digital transformation of rural commercial banks as the research object,firstly,it explains the trend of digital transformation of traditional business under the rapid development of digital technology;then it gives an overview of the development of rural commercial banks,sorts out the current situation of digital development of inclusive financial business of rural commercial banks in the background of digitalization,and analyzes the problems in the process of digital transformation of inclusive financial business of rural commercial banks at present.Then,taking DZ Rural Commercial Bank,a local bank in northeast Sichuan,as a case study,we introduce the current situation of digital development of inclusive financial services of DZ Rural Commercial Bank,find out the problems in the process of digital development of inclusive financial services of the bank through research and study,analyze the reasons that restrict its digital development,and put forward a proposal for digital development of inclusive financial services of DZ Rural Commercial Bank.It also proposes an optimization strategy for the digital development of DZ Rural Commercial Bank’s inclusive finance business.Finally,some useful experiences are extracted from the above case studies,which can provide lessons for other rural commercial banks and local banks to carry out digital transformation of inclusive finance business: first,accelerate the layout of financial technology,and drive the digital development of financial inclusive business with financial technology by continuously increasing the investment in financial technology resources and expanding the reserve of financial technology talents;second,improve the quality of inclusive finance business,enrich the variety of inclusive finance products,meet customers’ personalized credit needs,develop accurate marketing strategies,and refine marketing to customers to improve customer conversion rate;third,expand the application area of data resources,enhance the use of big data by effectively integrating and making full use of data,and improve customer conversion rate.Second,improve the quality of inclusive finance business,enrich the variety of inclusive finance products,meet customers’ personalized credit needs,develop accurate marketing strategies,refine marketing to customers,and improve customer conversion rate;third,expand the application area of data resources,enhance the support capacity of big data through effective integration and full utilization of data,and increase the intensity of data governance to ensure the safety of customer data;fourth,accelerate the construction of an intelligent wind control system to achieve The fourth is to accelerate the construction of an intelligent risk control system to realize the risk supervision of the whole process of inclusive financial business and reduce risk cost expenditure. |
