The Countermeasure Study Of Inclusive Finance Development Of Jinjiang Post And Savings Bank

All human beings are equal in life.Whether the poor or the rich need financial services,but in most countries,especially developing countries,there are few services in this area.Social low-income groups are marginalized from financial services.They must even pay more social costs than wealthy people to enjoy financial services.Therefore,as a newly emerged financial service entity,China Postal Savings Bank shoulders the mission and responsibility of the society.Based on the positioning of large-scale retail commercial banks,China Postal Savings Bank is committed to building a financial service system for inclusive finance.The people provide an opportunity to enjoy the economic results and change their destiny.In 2012,Quanzhou was approved as the third national financial comprehensive reform pilot area(hereinafter referred to as “the reform zone”).Quanzhou Jincai District takes the financial service entity economy as the core position,and strives to broaden the investment in the real economy through establishing and improving a diversified financial organization system,increasing financial support for small and micro enterprises and people's livelihoods,and enhancing rural financial service capabilities.It is of great significance to support weak areas and develop inclusive finance.In recent years,measures such as the introduction of Yinquanquan,the formation of village and town banks,small loan companies,and financial innovation have,to a certain extent,improved the financial development environment in Quanzhou.The "Plan for Development of Inclusive Finance Development(2016-2020)" issued in December 2015 has become the programmatic document for China's inclusive financial development during the "13th Five-Year Plan" period,which has provided guidelines for Quanzhou to further promote the development of inclusive finance.It is against this background that this article selects the Jinjiang branch within the jurisdiction of the Quanzhou branch of the Postal Bank of China as the research object.The Jinjiang Branch of the Postal Savings Bank is rooted in the Jinjiang area where the private economy is developed and the financial industry is highly competitive.This paper explores the Jinjiang branch's road to inclusive finance by searching for literature,theory and practice methods,and comparative analysis methods,and analyzes the Jinjiang Post and Store.Problems encountered in the development of inclusive finance in banks,and solutions proposed in terms of management system,personnel quality,performance incentives,product innovation,credit rating,and financial services,aiming to promote the development of inclusive finance The people eventually achieved the social responsibility of "Pruto's urban and rural areas and benefits to the people." The research results of this paper have a good reference value for strengthening the credit prevention risk,improving the competitiveness of banks,and for promoting the sustainable development of inclusive finance.