Abstract:

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.

Key words: small and medium-sized banks, digital inclusive finance, policy suggestions