Research On The Development Path Of Inclusive Finance In Postal Savings Bank

Inclusive finance is a national strategic plan.The development of inclusive finance is not only an institutional arrangement to benefit vulnerable and disadvantaged industries,but also an important measure for optimizing the structure of consumption and industrial structure.It is even more an opportunity to benefit the entire society and the financial industry.Since the Third Plenary Session of the 18 th CPC Central Committee has explicitly proposed the development of inclusive finance,a series of policies have been gradually implemented and the development of inclusive finance in our country has been progressively implemented.For example,in December 2015,the State Council issued the "Pratt & Whitney Financial Development Plan(2016-2020)",with seting up the guiding ideology,basic principles and development goals of promoting the development of inclusive finance in the perspective of national strategies.In February 2016,the CBRC(China Bank Regulatory Commission)promulgated “the Guiding Opinions on Promoting the Development of Inclusive Welfare in 2016”,promote banking financial institutions and regulatory agencies at all levels to promote the development of inclusive finance;In September 2016,the "Measures for the Management of Special Funds for Pratt & Whitney Financial Development" promulgated by the Ministry of Finance aimed at strengthening the development of inclusive finance by strengthening the management of special funds for inclusive financial development,In October 2017,in order to support the financial institutions in developing the inclusive financial business,the PBC issued "on the implementation of the Pratt & whiten finance directive reduction of the notice".As a commercial bank devoted to promoting inclusive financial concepts in business development and market development,China Postal Savings Bank(hereinafter referred to as Postal Savings Bank)actively explored the development model of inclusive financial development and formulated an overall plan for the development of inclusive financial development.It gradually explored a In line with their own business characteristics of the path of inclusive financial development.Under the background that current Pratt & Whitney finance has become a national strategy and all kinds of banking financial institutions actively develop inclusive finance,it is of great theoretical and practical significance to study how the inclusive banking finance of Postal Savings Bank can be better developed and how to choose its future development path.Based on the development of inclusive finance,the paper combs the theoretical foundation of inclusive finance in detail,expounds the advantages of commercial banks in inclusive finance,and based on the analysis of the practice and the achievements of Postal Savings Bank in promoting inclusive finance,From the evolutionary analysis of the game,competitiveness analysis,research on the transformation path and many other aspects,and from both the international and domestic dimensions,examines the relevant practice of the commercial banks' inclusive finance and provides the experience for the Postal Savings Bank to carry out the inclusive finance more well Therefore,it has strong practical and practical significance.The structure of this article is as follows.On the premise of sorting out the theoretical basis of inclusive finance,this article analyzes its development status and bottlenecks.Starting from the connotation of inclusive finance,and based on relevant economic and financial theories,and exploring the context of inclusive finance theory,summarizing the international and domestic contexts.Dimensional development of inclusive finance and analyzed the bottleneck factors restricting the development of inclusive finance in our country.Furthermore,from the perspective of two game evolutionary analysis perspectives,this paper studies the relationship between government,capital providers,and fund demanders in the development of inclusive finance,and discusses the dynamics of games using mathematical paradigms such as expectations and dynamic differential equations.Equilibrium and stability of the game,and analyzes the evolutionary path of the game,providing a dynamic evolutionary framework for commercial banks to promote inclusive finance.Further,this paper analyzes the development of inclusive finance of the Postal Savings Bank of China and uses a factor analysis method to evaluate the static and comprehensive competitiveness analysis of 31 provincial,municipal,and regional postal storage bank entities across the country,and to use the empirical basis.From the perspective of regional economic development,level of inclusive financial services and local financial eco-environment,the paper analyzes the possible causes of the differences and changes in competitiveness.From the perspective of competitiveness,we assess the abundance and complement the research on the development of microcosmic financial entities and promote the efficiency of inclusive finance,so as to provide empirical support for improving the efficiency of inclusive financial services.In order to study the transformation path of inclusive banking for postal bank development,this paper starts with the SWOT analysis method of the Postal Savings Bank and analyzes in depth the strengths,weaknesses,opportunities,and threats of the development of inclusive finance by the Postal Savings Bank.On the basis of this,we analyze the achievements and the current situation of developing inclusive finance,and then proposes the strategic planning of inclusive finance.In order to learn from the experience and lessons of international inclusive financial development practices,this paper elaborates on traditional and newly established two types of international inclusive financial development organizations and developing countries and developed countries,inclusive financial development models,and discusses international inclusive financial practices for China.The enlightenment of the development of inclusive finance summed up the six "appropriate" experiences.Finally,it puts forward policy recommendations for the development of the postal savings bank's development and promotes the transformation of inclusive finance.The article proceeds from the postal savings bank as the largest financial institution for commercial inclusive finance and actively practices the concept of inclusive financial development.To build a banking system featuring inclusive finance and to achieve business sustainability for inclusive finance The Bank proposed six policy proposals on seizing the opportunity for the development of an inclusive finance industry.