论互联网金融背景下的农信社商业化转型——以河南省为例

Discussion on the Commercial Transformation of Rural Credit Cooperatives under the Background of Internet Finance——Taking Henan Province as an Example

随着互联网金融时代的到来,河南省农信社向农商行的转型发展中,体制创新、技术架构、思维理念是必然的。农商行的历史使命是面向"三农",服务"三农",所以,农商行面对的是服务对象多、金额小、头绪繁多的广大农村,面对小银行和大市场的对接、社区银行和开放性的对接、客户独立自主的经营与系统风险的防范这三大矛盾,转型后的农商行必然要利用互联网的综合技术协调各种矛盾。

With the advent of the Internet financial era, during the transformation and development of the rural credit cooperatives in Henan to the rural commercial banks, the system innovation, technical structure and thinking philosophy are inevitable. The rural commercial bank＇s historical mission is facing for the ＂three rural issues＂, and serving for the ＂three rural issues＂, therefore, rural commercial banks are faced with the vast rural areas with a large number of service objects, small amount of money, and complex clues. Facing the three major contradictions of dock- ing between small banks and large market, docking between community banks and open, prevention of customers＂ in- dependent operation and system risks, the transformed rural commercial banks must make use of the comprehensive technology of Internet to coordinate various contradictions.