Research on the direction and path of rural commercial bank digital transformation under the background of rural revitalization

Abstract

At present, the digital transformation of commercial banks has become a trend. Compared with large banks, small and medium-sized rural banks are facing huge pressure from both the external environment and internal conditions. Small and medium-sized rural banks should combine the advantages of rural revitalization policy, improve the digital innovation of banking business, and strengthen cooperation with other professional service institutions. Based on the idea of "double chain linkage" proposed by Taihui Zhu and Yutong Zhang, combined with "financial service supply chain, rural industry supply chain and new infrastructure construction chain", digital financial services based on this idea are proposed to achieve collaborative innovation of the three. This paper has certain scientific reference significance for solving the "last mile" problem of rural commercial bank's digital transformation and helping rural revitalization.