In addition, financial technologies such as machine learning, Internet of Things finance, blockchain, and knowledge graphs can be integrated into the credit scoring, production verification, product sales verification, regional agricultural risk early warning and other links of the rural production system to build a penetrating rural reality. A rural credit assessment system that fully integrates production chain, online multi-dimensional credit data, and offline IoT data.
At present, all the loan products of our rural commercial banks still have huge shortcomings in this regard, which need to be made up. 4. Financial innovation in cross-border scenarios of rural commercial banks sms marketing service should focus on local characteristics and form continuous added value to customers. For a long time, there has been a controversy - do rural commercial banks need to build their own scene financial platforms? The answer is yes. Unlike big banks, rural commercial banks have high service quality, low capital costs, and abundant resources.
Their products are inherently weak, and they need the blessing of a scenario-based financial platform that integrates local ecology. However, it is not advisable to engage in too many scenarios of rural commercial banks. Too much is not precise, and resources will be wasted.