Workflow
科技赋能 省联社数字化转型进入“下半场”
Zhong Guo Jing Ying Bao·2025-06-17 16:01

Core Insights - The reform of provincial rural credit cooperatives is accelerating the digital transformation of the rural credit system, with new provincial entities like provincial-level commercial banks and rural credit unions leading the charge [1][2] - The Sichuan Rural Commercial Bank has announced a digital credit service based on artificial intelligence, expected to serve approximately 1.35 million users annually with a credit limit of around 165 billion yuan [1][2] - The investment in information technology by Sichuan Rural Commercial Bank is significant, with a total budget of 84.75 million yuan for seven data platform projects by the end of 2024 [2] Technology Development - The provincial rural credit institutions are focusing on enhancing their IT systems, with a shift from the previous provincial association model that primarily addressed operational issues to a more forward-looking approach [3][4] - The new governance structure allows for centralized management of technology resources, reducing IT costs and improving efficiency across different rural credit institutions [3][4] - The establishment of independent IT management departments within provincial entities is aimed at strategic planning and talent development, which is a departure from the previous model that prioritized business over technology [4] Future Directions - Future efforts in information technology construction for provincial rural commercial banks should include transitioning to distributed architectures, enhancing data and risk control projects, and applying advanced models in financial scenarios [4] - Challenges remain in integrating agricultural services, regional economic advantages, and technological advancements, as well as addressing the talent gap in high-end technology and interdisciplinary skills [4]