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Core Viewpoint - Rural commercial banks are focusing on supporting agriculture and small enterprises as a core strategy to enhance their main business and promote regional economic development [1][2]. Group 1: Industry Overview - Rural commercial banks are the main force in rural financial services, leveraging their geographical advantages to support agriculture and small enterprises [2]. - The competition in the rural financial market is intensifying, with large banks using their funding and low-interest rates to attract quality clients, posing challenges for rural commercial banks [2]. - Internal challenges such as risk control, corporate governance, and digitalization create significant hurdles for rural commercial banks compared to larger state-owned and joint-stock banks [2]. Group 2: Strategic Focus - Rural commercial banks must adhere to their commitment to support agriculture and small enterprises, returning to the essence of serving the real economy [2][4]. - There is an urgent need for rural commercial banks to address their weaknesses and seize opportunities arising from industry changes [2]. Group 3: Digitalization and Innovation - Digitalization presents an opportunity for rural commercial banks to enhance their services, particularly in mobile payments and scenario-based finance [3]. - By leveraging digital finance, rural commercial banks can address issues such as information asymmetry and collateral evaluation challenges, improving their lending capabilities [3]. - Rural commercial banks should focus on internal improvements while also innovating their organizational structures to adapt quickly to market changes [3]. Group 4: Long-term Commitment - Supporting agriculture and small enterprises is a long-term commitment that requires consistent effort and resilience from rural commercial banks [4]. - To achieve sustainable growth, rural commercial banks should consolidate their advantages, refine their services, and drive operational transformation [4].