什么是农商行商务转型

中文版：

农商行商务转型，指的是农村商业银行在面对经济环境变化和市场竞争日益激烈的背景下，主动调整其业务模式、经营策略以及管理体制，以适应市场的需求和变化，进而实现持续稳健发展的过程。这一过程不仅涉及银行内部各项业务的优化升级，还包括组织架构的调整、人才队伍的建设以及科技创新的推动等多个方面。

农商行商务转型的核心目的在于提升银行的综合竞争力，更好地服务实体经济，满足广大客户的多元化金融需求。通过转型，农商行可以进一步拓宽服务领域，优化服务流程，提高服务效率，增强风险管理能力，为农村地区提供更为便捷、高效的金融服务。

英文版：

What is the Business Transformation of Rural Commercial Banks?

The business transformation of rural commercial banks refers to the process where these banks, amidst changing economic landscapes and intensifying market competition, proactively adjust their business models, operating strategies, and management systems to adapt to market demands and evolving scenarios, ultimately aiming for sustainable and robust growth. This process encompasses not only the optimization and upgrading of various internal banking operations but also adjustments to organizational structures, talent development, and the promotion of technological innovation.

The core objective of this transformation is to enhance the overall competitiveness of rural commercial banks, better serve the real economy, and meet the diversified financial needs of their vast customer base. Through this transformation, rural commercial banks can further expand their service scope, optimize service processes, improve service efficiency, strengthen risk management capabilities, and provide more convenient and efficient financial services to rural areas.

中文版：

坐商，通常指的是商家或企业采取固定经营场所、不进行主动推销或移动销售的方式，等待顾客上门进行交易的一种商业模式。坐商模式下，商家依靠店铺的位置、品牌知名度、商品质量、服务水平等吸引顾客，通常适用于产品具有一定市场需求且稳定的行业。

随着互联网的普及和电子商务的兴起，坐商模式受到了挑战。越来越多的消费者选择在线购物，而不是传统的实体店铺购物。因此，许多传统的坐商开始转型，将线上与线下相结合，以适应市场的变化。

英文版：

What Does "Sitting Merchant" Mean?

A sitting merchant typically refers to a business model where merchants or enterprises operate from a fixed location without actively promoting or mobile sales, instead waiting for customers to come and transact. In this model, merchants rely on the location of their store, brand recognition, product quality, service levels, and other factors to attract customers. It is often suitable for industries where products have a certain market demand and stability.

With the popularization of the internet and the rise of e-commerce, the sitting merchant model has been challenged. More and more consumers choose to shop online instead of traditional physical stores. As a result, many traditional sitting merchants have begun to transform, combining online and offline operations to adapt to market changes.