浙江网商银行作为中国首批民营银行试点之一,其成立之初就定位于以互联网的方式服务“长尾”客户,聚焦于服务小微客户、服务农村市场、服务各类中小金融机构。本文认为,这些领域市场机会巨大,金融普惠需要数字驱动、场景融合,在打通交易链、物流链和资金链的同时,通过合作进一步完善金融生态。 As one of the first batch of private banking pilot projects in China, Zhejiang E-Commerce Bank, which was established at the beginning of its establishment, serves the “long-tail” customers by means of Internet. It focuses on serving small and micro customers, serving rural markets and serving all kinds of small and medium-sized financial mechanism. This paper argues that there is a huge market opportunity in these fields, and the financial inclusiveness needs digital driving and scene integration. In addition to opening up the transaction chain, the logistics chain and the capital chain, the financial ecology is further improved through cooperation.