The Practice Exploration of MYbank’s Layout of Fintech to Assist Rural Revitalization

本论文聚焦网商银行在金融科技领域助力乡村振兴的实践，重点梳理了网商银行通过“大山雀”“大雁”“百灵”三只科技鸟共同构成的AI智能服务器进行金融科技创新的举措，介绍了网商银行与传统金融机构金融服务的异同，并提出网商银行在数据共享方面存在的问题，进而提出相关建议，试图为其他互联网银行参与乡村振兴提供参考范例，也为相关研究与政策制定提供依据。This paper focuses on the practice of MYbank in promoting rural revitalization through financial technology. It mainly sorts out the measures of MYbank’s financial technology innovation through the AI intelligent server composed of three technological “birds”, “Dashanque”, “Dayan” and “Bailing”, and introduces the similarities and differences between MYbank’s financial services and those of traditional financial institutions. Then, it points out the problems in MYbank’s data sharing. Finally, it provides a reference example for other Internet banks to participate in rural revitalization and a basis for related research and policy-making.