YZ农商银行数字化转型策略研究

Research on the Digital Transformation Strategy of YZ Rural Commercial Bank

摘要: 随着数字经济的深度普及以及金融行业竞争的持续升级，地方性农村商业银行的数字化转型已成为破解发展瓶颈、巩固市场地位的关键抓手。作为YZ市县域金融体系的核心力量，YZ农商银行始终深耕“三农”与中小微企业金融服务领域，目前正在推进本行数字化转型进程并，尽管收获了初步成效，但转型期间仍存在诸多尚需解决的问题，诸如转型目标模糊不清、专业数字化人才匮乏、组织架构僵化固化、金融产品创新能力不足等。本研究采用问卷调查分析手段，系统梳理YZ农商银行数字化转型所处的内外部环境，深入挖掘其转型过程中的现存痛点，结合该行本土服务的独特定位，从服务体系完善、产品创新提质、专业人才培养、风险防控能力提升、组织架构优化五个核心维度，搭建全面系统、具备可操作性的数字化转型路径，为国内同类型地方性农商银行的数字化转型提供切实可行的实践借鉴。

Abstract: Amidst the dual pressures of deep penetration of the digital economy and intensifying competition in the financial industry, the digital transformation of local rural commercial banks has become key to breaking through development bottlenecks and consolidating market positions. As a core financial institution in YZ City’s county-level markets, YZ Rural Commercial Bank focuses on providing financial services related to agriculture, rural areas, farmers, and micro, small, and medium-sized enterprises. Although it has initiated its digital transformation and achieved preliminary results, it still faces core challenges, including vague objectives, a talent shortage, organizational rigidity, and insufficient product innovation. Based on methods such as questionnaire surveys, on-site interviews, PEST analysis, and Porter’s Five Forces model, this paper systematically examines the internal and external environment of YZ Rural Commercial Bank’s digital transformation and its existing pain points. In line with its local service positioning, it constructs a comprehensive transformation path from five dimensions: service systems, product innovation, talent development, risk control capabilities, and organizational structure. It also proposes four supporting measures—organizational, talent, technological, and cultural—to provide a viable digital transformation blueprint for similar local rural commercial banks, helping them achieve high-quality development in the era of digital finance.