Bank Of Luoyang 's Inclusive Financial Business On The Development Of Strategy Research

Inclusive Finance is based on equality of opportunity and business sustainability principles, to be able to afford the cost of financial services to the needs of all sectors of society and groups to provide appropriate and effective financial services. Its service object is mainly small and micro enterprises, farmers, urban low income groups. To develop Inclusive Finance is of great significance to promote social fairness and justice, to build a well-off society in an all-round way, and to promote the sustainable development of the financial industry.The Bank of Luoyang in Luoyang as the only city commercial bank, always adhere to the "market orientation of serving for the local economy, small and medium-sized enterprises, the service of city residents", continuously strengthen the financial services and product innovation, and got remarkable achievements in the service of small and micro, farmers and urban low-income groups. But there are some difficulties and problems. In the current state of the favorable opportunity to develop Inclusive Finance, to better promote the sustainable development of the Bank of Luoyang and even the banking sector, the need for inclusive financial development situation.In this paper, by conducting seminars, and the Luoyang area of banking financial institutions, the Bank of Luoyang to survey data for the typical case for a detailed understanding of the situation and problems of Luoyang bank deposit of inclusive financial services, inclusive financial business in Bank of Luoyang and the reasons for the in-depth inquiry. This paper focuses on the support of small and micro enterprises, farmers and laid-off workers, community banks and network financial platform construction three aspects of the development of inclusive financial business in Luoyang bank carried out a general grasp. In the summary of the basis for the development of inclusive financial situation, this paper collected the Bank of Luoyang in 2010 to 2015 inclusive financial index data, using the analytic hierarchy process, from the empirical analysis of the development situation of the Bank of Luoyang from 2010 to 2015 inclusive finance financial services availability, quality and other aspects of three, of which the weight in the inclusive financial index system in the top two are bank network coverage of the township, the per capita personal loans accounted for the proportion of GDP per capita, and the Bank of Luoyang to support small agriculture needs to be strengthened. Through induction and empirical analysis, this paper has a more comprehensive and intuitive introduction to the financial business of the Bank of Luoyang. On the basis of the introduction of the Luoyang bank's inclusive financial development, this paper analyzes the problems and causes of the development of the bank's inclusive financial business in Luoyang. Such as the availability of financial services is not high, the promotion of electronic banking is slow, small and micro enterprises, credit risk is high, agriculture and so on. Then, this paper introduces the successful case of inclusive financial services practice at home and abroad and the enlightenment to us, so as to provide a more comprehensive reference for Luoyang bank develop inclusive finance business development strategy more perfect. Finally, from mortgage innovation and inclusive financial availability improvement, risk prevention and control system construction, cost benefit, and financial products and services innovation and improve the comprehensive services and puts forward some countermeasures and suggestions for the development of Inclusive Finance business of Bank of Luoyang.