Research On The Development Of Microfinance In Commercial Banks Under The Guidance Of Inclusive Financial Policy

In recent years,with the deepening of reform and development,All walks of life in our country is increasing the gap between rich and poor,Inclusive growth,common development has become had to face the problem.Equality and inclusive growth and common development of the key is to obtain resources.From the perspective of financial resources,the construction of urban and rural coverage,vulnerable groups,truly reflect the social fairness and justice and good comprehensive development of inclusive financial system in China is the supply side structural reform is an important part.In this one,the most significant,operation difficulty is one of the most sophisticated,is also the most important part of is microfinance.The new situation and new tasks,microfinance should be inclusive financial policy under the guidance of the inclusive thought as the guiding ideology and purpose of the service itself.But the current development of microfinance,there is still great room for improvement,in reality there is no comprehensive benefit farmers,people's livelihood,part of the microfinance business and even excessive pursuit of economic interests therefore.Financial institutions should,under the guidance of the spirit of inclusive financial policy,service level,service development agriculture and services for small and medium-sized enterprises,contribute to building inclusive financial system.This paper takes Laiwu behaviour cases,systematic research on microfinance development from the perspective of inclusive financial innovation first,on the basis of the domestic and foreign research results,define the concept of Inclusive Finance and microfinance,combing the relationship between Inclusive Finance and microfinance development,rural microfinance development clear inclusive financial system in the process of the construction of meaning and lay the theoretical foundation for the innovation and development of microfinance inclusive financial perspective;then,research on the development status of the Laiwu branch of the microfinance business,summarizes the present situation and achievement of microfinance business development in Laiwu branch,summarized and reasons for microfinance development of Laiwu ICBC inclusive financial perspective;finally,put forward the proposal of innovation and development microfinance in Laiwu ICBC inclusive financial perspective.The research shows that the development of micro credit in Laiwu ICBC has little effect on the perspective of Inclusive Finance.The reason is the result of the interaction between external macro factors and internal micro factors.Therefore,need to innovate the micro credit operation mechanism and management system,guarantee microfinance mechanism innovation,and improve the relevant legal and policy system,Laiwu ICBC microfinance inclusive financial development perspective to create a good environment,promote the sustainable development of microfinance,to better achieve the goal of inclusive finance.