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Research on Digital Transformation of Rural Credit Cooperatives to Promote Rural Revitalization in Guangxi

In: Proceedings of the 2024 6th International Conference on Economic Management and Model Engineering (ICEMME 2024)

Author

Listed:
  • Jinying Rong

    (Southwest University of Political Science and Law, School of Artificial Intelligence and Law)

  • Binqing Chen

    (Chongqing College of Humanities, Science & Technology, School of Architecture and Design)

  • Qi Su

    (Ancheng Property & Casualty Insurance Co Ltd)

  • Hongxu Chen

    (Chongqing College of Humanities, Science & Technology, School of Architecture and Design)

  • Jian Chen

    (University College London, Department of Geography)

Abstract

The digital transformation of rural finance has become a key initiative to boost competitiveness and drive rural revitalization. However, the rural credit system faces numerous challenges in this process, including weakened competitive advantage, limited product offerings, lack of a digital strategy, and data management issues. These challenges restrict rural financial institutions from expanding service coverage, reducing financing costs, and improving capital utilization efficiency. This paper uses Guangxi’s rural credit system as a case study, suggesting that a balanced approach between unified and decentralized corporate models, along with the development of a provincial digital platform and unified service portal, can enhance the precision and efficiency of financial services. Existing practices indicate that accelerating branch digital transformation, building standardized digital platforms, and improving data management capabilities can significantly raise service quality.

Suggested Citation

  • Jinying Rong & Binqing Chen & Qi Su & Hongxu Chen & Jian Chen, 2025. "Research on Digital Transformation of Rural Credit Cooperatives to Promote Rural Revitalization in Guangxi," Advances in Economics, Business and Management Research, in: Lina Zhong & Tang Yao & Chee Yoong Liew & Hongbo Li (ed.), Proceedings of the 2024 6th International Conference on Economic Management and Model Engineering (ICEMME 2024), pages 178-184, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-690-1_18
    DOI: 10.2991/978-94-6463-690-1_18
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