city commercial banks and traditional giants have taken the lead. For example, Bank of Suzhou, Bank of China, and Bank of Nanjing have established digital bank headquarters and digital finance department. The goals of these departments are to integrate the personal online business operations
of Liaotong Bank, to rebuild a customer-centric digital bank, and to open up a new growth space. At the same time, these departments will combine financial technology and sms marketing service ecology to obtain more external traffic and high-quality ecological partners for the Bank, and effectively promote business development. Because of the late start, simple system and less burden, rural commercial banks can start the construction of digital banks as soon as possible, integrate online banking platforms uniformly, and realize an open banking ecosystem as
soon as possible. 6. On the one hand, the financial technology construction of rural commercial banks must be independent, and on the other hand, it must actively use the capital market cooperation to introduce strong aid. Rural credit cooperatives in each province are a special subject,