Research On The Development Countermeasures Of HS Bank's Inclusive Finance System Based On The Background Of The Big-data Technology

In 2005,the United Nations promoted the introduction of Inclusive Finance System for the first time in the year of micro-credit,which was adopted and implemented by the world bank and many countries.In 2013,the third plenary session of the 18th central committee stressed the importance of "developing inclusive finance" in the<communist party of China(CPC)central committee's decision on comprehensively deepening reform of several major issues>.In recent years,inclusive finance system is developing rapidly at home,which significantly improved the availability of financial services,and enhanced the financial service satisfaction of the masses of the people.It further satisfies the growing demand for financial services of small and micro businesses,and "agriculture,rural areas and farmers".Developing inclusive financial system,is an effective way to both advancing supply-side structural reform,fostering new kinetic energy of agricultural rural development and boosting economic transformation and upgrading,and building a well-off society in an all-round way and implementation the strategy of "rural revitalization".As the mainstay of inclusive financial development,commercial Banks should be clear that because of information asymmetry,and lack of credit evaluation and effective collateral,combined with the small transaction amount-high operating costs,inclusive finance is struggling in the real process.In September 2016,the G20 summit in Hangzhou,<G20 digital inclusive finance advanced principles>released that,with large data,cloud computing and mobile Internet application in inclusive financial sector,it is better to solve the problem of risk control brought by information asymmetry and cost management problem brought by the "small,large,spread".It implements the virtuous circle and interaction of finance and economy.Main research of this paper is to analyse how can commercial Banks use big data technology to better develop inclusive finance system based on national big data strategy by taking the example of HS Bank,which used for the service of small and small,"three farmers" and so on.First of all,based on the current situation of the development of inclusive finance at home and abroad and the relevant theories,this paper puts forward the significance of applying big data technology to the commercial bank's inclusive finance business.Secondly,according to the experience of developing inclusive finance with some inter-bank institutions and the actual problems existing in the process of developing inclusive finance of HS Bank,this paper further dissected the reasons for the problems of the bank's development of inclusive finance.Finally,this paper analyzes and puts forward the countermeasures and suggestions for the development of digital inclusive finance of HS Bank focused on three dimensions:customer relationship management,precision marketing and credit management.This study aims to explore the application of big data technology in the development of HS Bank,and provide several suggestions for the integrated development of big data strategy and inclusive finance strategy.It provides some reference for commercial Banks to better realize the high-quality development of inclusive finance business.