Research On Digital Transformation Strategy Of Agricultural Bank Of China Jilin Branch

At present,with the rapid development of a new round of industrial transformation and technological revolution,the degree of global digitalization is deepening day by day,and new products,new formats and new technologies are gradually becoming new global economic growth points.Digital economy is a new economic form with modern information network as the main carrier,data as the key production factor,and digital technology application as the main feature.The national "Fourteenth Five-Year Plan" points out a new direction for economic and social development.Digital technology will be widely used in all areas of the real economy and become a key force to drive social and economic development.As the lifeblood of the real economy,the financial industry is in the digital vortex and stands at a new historical node.It must grasp the trend of digital development,take advantage of the situation,and actively integrate into the overall pattern of social future development with a more positive attitude and a higher position.Through digital transformation,explore new business models and create a financial service system that meets the new requirements of economic development.For this reason,this paper takes the Jilin Branch of Agricultural Bank of China as the research object,and tries to give the direction and strategy of the digital transformation of Jilin Branch of Agricultural Bank of China through the analysis of the current situation of the research on the digital transformation of the banking industry and the operation and development of the branch.Digital transformation is the change of business process and technology,and also the change of business management and risk prevention and control mode.By analyzing the problems existing in the operation and development of Agricultural Bank of Jilin Province,combing the internal and external environment of the digital transformation of Agricultural Bank of Jilin Province using Porter’s five-force model and SWOT analysis tools,and combining with the overall strategic deployment of the head office of Agricultural Bank of China on digital transformation,this paper proposes the digital transformation strategy of Agricultural Bank of China Jilin Branch,that is,Agricultural Bank of China Jilin Branch should stand at the top macro perspective,and take data as the key production factor,From the aspects of business operation,operation management,channel construction,risk prevention and control,realize the deep integration of industry and technology,give full play to the driving role of "data+rules" in channel integration,cloud platform construction and application,product and service innovation,risk prevention and control,release the output capacity of technical modules and core businesses,and build the best digital ecological bank in the field of agriculture,rural areas and benefits,and a smart bank with first-class customer experience.Agricultural Bank of China Jilin Branch has gradually implemented the digital transformation strategy by creating an agile organizational structure,strengthening data capacity building,promoting technology research and application,and improving product innovation capabilities,and put forward the strategic focus of digital transformation according to the problems existing in the current business development,that is,promoting the integrated development of omni-channel business,deepen the application of digital cloud platform,improve the digital product and service system,and build a digital risk prevention and control model.At the same time,it puts forward the safeguard measures for the digital transformation strategy.Only by realizing the all-round reconstruction of business processes,management models and other aspects can we achieve the goal of digital transformation and ultimately improve the profitability of Agricultural Bank of Jilin Province.