Research On The Development Problems And Countermeasures Of Sichuan Rural Credit Digital Inclusive Financial Business

The report of the 20th National Congress of the Communist Party of China emphasizes the need to comprehensively promote rural revitalization and improve the rural financial service system.The comprehensive promotion of rural revitalization must address the issue of "where money comes from".In 2023,the No.1 central document pointed out that "we should do a solid job in micro credit for poverty alleviation,increase financial support for assistance projects in accordance with the principle of marketization,deepen the implementation of digital rural development action,accelerate the application of agricultural and rural big data,and promote the R&D and promotion of digital application scenarios".This has provided a guide and pointed the way for commercial banks to promote rural revitalization,consolidate the achievements of poverty alleviation,and accelerate the realization of common prosperity.As the main force of inclusive finance in rural areas of Sichuan Province,Sichuan Rural Credit Corporation,relying on traditional financial means,finds it difficult to change the long-term lack of financial services in existing rural areas.However,digital inclusive finance,with the advantages of financial technology such as cost advantages,personalized response to customer needs,wide coverage of service areas,and intelligent operation of risk control systems,is rapidly penetrating into rural areas,It provides effective means and development paths for the development of inclusive finance.This article takes rural revitalization as the research background,and starts from the important significance and prominent role of financial technology in the development of rural digital inclusive finance in the new era.It focuses on three aspects of content: firstly,it sorts out the mutual influence relationship between digital inclusive finance and the development of commercial banks;Secondly,based on the current development status of Sichuan Rural Credit Corporation’s digital inclusive financial business,this paper analyzes the effectiveness,existing problems,and causes of Sichuan Rural Credit Corporation’s use of financial technology to develop digital inclusive financial business in rural areas;Thirdly,in order to further optimize the development of Sichuan Rural Credit’s digital inclusive financial business,countermeasures and suggestions have been proposed from the perspectives of talent,technology,products,and risk management.Research has found that Sichuan Nongxin has achieved outstanding results in innovation,effectiveness,and typicality in empowering digital inclusive financial services through financial technology.At the same time,there are also problems such as insufficient reserves of scientific and technological talents,unreasonable structure,weak competitiveness of financial products and services,weak comprehensive technological strength,and new challenges in risk management.In response to the main problems in Sichuan Rural Credit’s digital inclusive financial business,this article proposes through on-site research,interviews,and comparative industry analysis that it can enhance the development of digital inclusive financial business from four aspects: firstly,to strengthen the financial technology strategy and optimize the talent structure;Secondly,technology empowers financial scenarios and enhances competitiveness;Thirdly,innovate service models and consolidate comprehensive technical strength;The fourth is to take multiple measures simultaneously to enhance risk management capabilities.