Y Bank Branch In Guangdong Province—Research On The Competitive Strategy Of Finance Inclusive Business

Finance Inclusive means at affordable cost, timely effectively for various social strata and groups provide needed financial services, let the weak link in the financial services to better benefit the various social groups and economic and social development. Development of Finance Inclusive services to help the real economy, but also help to achieve the fairness of financial services. The Chinese government is also actively promote the development of Finance Inclusive, part of state-owned or private financial institutions are in a different way to practice the concept of Finance Inclusive, especially in recent years, the rapid development of the Internet under the background of "Internet plus financial" new formats to some extent changed the dual conomic structure, the problems of the development of Finance Inclusive front long and high cost, make the original focus on high-end financial services of the commercial banks, the development also began to focus on Finance Inclusive, inclusive financial competition has become increasingly fierce.Y bank is the first to carry out the Finance Inclusive services of commercial bank, in2007 from the original storage exchange system for the restructuring of commercial bank at the beginning of, proposed the concept of the practice of Finance Inclusive. This is countries established restructuring given Y bank trust and Y bank on strategic positioning of their own.Y Bank branch in Guangdong Province is head office under the jurisdiction of the institutions in scale ranking No. 3 first level branch and comprehensively implement the head office of strategic development and deployment, is Y bank a number of business first foretaste of experimental base, Guangdong Province branch of the path of development to a large extent is a microcosm of the Y the overall development of the bank. Y Bank branch in Guangdong province to actively implement the Finance Inclusive strategy, but in the context of the development of the Internet financial background suffered a decline in the competitiveness of the situation.This paper intends to make qualitative analysis through Michael Porter’s five forces model, dual economic structure theory knowledge, combined with multiple channels to collect the data for quantitative analysis. At the same time combined with the marketenvironment, the successful experience of the Internet financial enterprises, and Y bank Guangdong branch of internal resources, to carry out the strategy of inclusive financial business model analysis. Through analysis of Y Bank Guangdong Branch of Finance Inclusive business development problems, combined with theories of strategic management,using the SWOT analysis framework, put forward strategic positioning accuracy and suitable development mode, in order to apply to the Guangdong Branch of Y Bank Finance Inclusive business competition in the development of the real environment, and bring reference value to the Y bank.