The Development Of Inclusive Financial Of County-level Branche Of Zhongyuan Bank

In recent years,with the strength of Shaking off poverty increasing,Inclusive finance development fast as the rural financial institutions is less,financial products is shortage and lack of guaranty and collateral.So many things become to restraints on the development of Inclusive finance.Bank of ZhongYuan of HuaXian branch begins to carry out Inclusive financial since 2016.Although some achievements have been made,there are also many problems in the process of development.In this paper,firstly,by studying the development background of Inclusive financial in China and the development characteristics of Bank of ZhongYuan of Huaxian branch.Combined with my experience in the actual work and the data obtained through questionnaires and interviews,finding the bank of ZhongYuan of HuaXian branch exists the problems that Inclusive financial's positioning is not enough accurate,network planning is not scientific,organizational structure is not perfect,the product system is not rich enough,risk prevention and control system is not in place,team's assessment is not clear in the development of Inclusive financial.Secondly,this paper analyzes the experience of the development of Inclusive financial by Grameen Bank and Postal Savings Bank of China.From the Inclusive financial's positioning,the financial development mode,the organizational structure,the service system,the risk prevention and control system,the team construction to give Bank of ZhongYuan of Huaxian branch for reference.Finally,this paper combines with the development strategy of Inclusive financial of Bank of ZhongYuan and the reference of domestic and foreign financial institutions in the development of Inclusive financial,from the accurate positioning of Inclusive financial,scientific planning network,perfecting the organizational structure,the establishment of the integration of online and offline service system,perfecting the risk control system,setting up the management and assessment system for the financial business team to give guidances to the development of Inclusive financial of Bank of ZhongYuan of Huaxian branch.In order to push the healthy development of the Inclusive financial of Bank of ZhongYuan of Huaxian branch,to provide reference for the development of the Inclusive financial of County-level branches ofthe Bank of ZhongYuan,and also provide some necessary reference for the development of Inclusive financial of domestic commercial banks.There may be some innovations in this papera:Firstly,the topic is novelty.At present,there are few literatures about the development of inclusive financial business in Bank of ZhongYuan,especially county branches,This paper makes up the blank of this aspect.Secndly,Countermeasure innovation.Face to the risk prevention and control in the process of inclusive financial development,This paper puts forward the risk prevention and control countermeasures of the online + line,bank + third party.There are some problems that may exist in this paper :Firstly,Limitations of the research objec.Because of different county,the situation is different,In this paper,the research conclusion of of Bank of ZhongYuan of Huaxian branch may not be applicable to other County-level branches.Secndly,the development of Inclusive financial of Bank of ZhongYuan is relatively fast,and the data used may not fully reflect its current development.