农村信用社数字化转型探析
Analysis on Digital Transformation of Rural Credit Cooperatives

在乡村振兴战略实施背景下，农村金融服务的需求将会被扩大。农村信用社作为服务“三农”的主力军，在迎来新的发展机遇的同时，也面临着诸多挑战，数字化转型成为农村信用社未来发展的方向。面对互联网金融企业与大型商业银行的业务下沉，农村信用社应把握历史机遇，顺应金融科技的浪潮，利用数字化转型促进自身高质量发展。本文从数字化转型的相关背景、农村信用社数字化转型的内涵及内在动力出发，简要分析农村信用社在数字化转型过程中存在的几个问题并提出相应建议，以实现高质量发展的目标。
Under the background of rural revitalization strategy, the demand for rural financial services will be expanded. As the main force serving “agriculture, countryside and farmers”, rural credit cooperatives are facing many challenges while welcoming new development opportunities. Digital transformation has become the future development direction of rural credit cooperatives. Faced with the sinking business of Internet finance enterprises and large commercial banks, rural credit cooperatives should seize the historical opportunity, conform to the wave of financial technology, and use digital transformation to promote their high-quality development. Based on the background, connotation and internal motivation of digital transformation of rural credit cooperatives, this paper briefly analyzes several problems existing in the process of digital transformation of rural credit cooperatives and puts forward corresponding suggestions to achieve the goal of high-quality development.