我国农村商业银行数字化转型的痛点及对策

Pain Points and Countermeasures in the Digital Transformation of Rural Commercial Banks in China

摘要: 在数字技术加速渗透的背景下，我国农村商业银行的数字化转型面临合规成本增加、战略认知滞后、技术基础薄弱以及传统路径依赖等多重挑战。基于上述痛点，系统分析了农商行数字化转型滞后引发的影响：农村数字金融产品与服务失准，创新受限；对产业“造血”功能不足，乡村振兴内生动力受损；数字普惠金融“大而不强、快而不优”，战略目标难以深化。为积极稳妥促进农村商业银行数字化转型，农商行应强化战略顶层设计，夯实“科技赋能”和“数据驱动”基石作用；聚焦“长尾”客群，实现精准普惠与效能提升；引入数字供应链金融，强化产业“造血”功能；完善内外监管治理，营造审慎转型环境。

Abstract: Against the backdrop of accelerating digital technology penetration, rural commercial banks in China face multiple challenges in their digital transformation, including rising compliance costs, lagging strategic awareness, weak technological foundations, and reliance on traditional approaches. Based on these pain points, the study systematically analyzes the impacts of delayed digital transformation in rural commercial banks: misaligned rural digital financial products and services, constrained innovation; insufficient “hematopoietic” functionality for industries, undermining the endogenous momentum of rural revitalization; and the phenomenon of “large but not strong, fast but not optimized” digital inclusive finance, making it difficult to deepen strategic objectives. To promote the digital transformation of rural commercial banks in a proactive and steady manner, they should strengthen strategic top-level design, solidify the foundational roles of “technology empowerment” and “data-driven” approaches; focus on the “long-tail” customer base to achieve precision inclusiveness and efficiency enhancement; introduce digital supply chain finance to bolster industrial “hematopoietic” functionality; and improve internal and external regulatory governance to foster a prudent transformation environment.