中小银行数字普惠金融发展的思考和建议

Consideration and suggestions on the development of digital inclusive finance for small and medium-sized banks

数字化转型成为提高中小银行普惠金融服务覆盖面、精准度和可持续性的关键,数字普惠金融成为中小银行在新发展格局下的新优势。然而,中小银行数字普惠金融发展在数据、科技、信息、风控和人才等方面仍然面临诸多挑战,下一步可通过在数据治理体系、底层数字技术、金融信息安全、风险管理能力和数字技术人才等领域的数字化转型,推动中小银行数字普惠金融赋能实体经济,更好地实现区域经济包容性和高质量增长。

Digital transformation has become the key to improve the coverage,precision,and sustainability of inclusive financial services for small and medium-sized banks,and will build new advantages for the development of inclusive financial services for small and medium-sized banks under the new development pattern.However,the development of digital inclusive finance for small and medium-sized banks still faces many challenges in data,technology,information,risk control,and talent.Through the digital transformation and development in areas such as data governance system,the underlying technology of science and technology,financial information security,risk management ability,and digital technical talents,we will promote the digital inclusive finance of small and medium-sized banks to empower the real economy and better realize the inclusive regional economy and high-quality growth.