农村商业银行作为地方性金融机构,网点遍布城乡。但随互联网金融的发展,实体网点的地位不断弱化,农村商业银行正面临着互联网金融的迅猛发展。在新的金融环境下,农村商业银行要抓住这一发展机遇,充分认识到网络新技术的发展能够带来金融要素的流动和金融效率的提升,重新构建新的价值服务体系,实现金融服务的新发展。 Rural Commercial Bank as a local financial institutions, outlets throughout urban and rural areas. However, with the development of Internet finance, the status of physical outlets is constantly weakened. Rural commercial banks are facing the rapid development of Internet finance. Under the new financial environment, rural commercial banks should seize this development opportunity and fully realize that the development of new network technologies can bring about the flow of financial elements and the improvement of financial efficiency, and rebuild new value service systems to realize financial services New development.