Research On The Influence Of Inclusive Financial Business On The Performance Of Commercial Banks

With the rapid development of economy and finance,the development of inclusive finance has become a hot topic in China,and it is the focus of attention of the country,enterprises and individuals.The development of inclusive finance will have a certain impact on commercial Banks.This paper defines inclusive finance and starts from the relevant businesses of commercial Banks.Inclusive financial business is part of the operation of commercial banking business.Therefore,the development of inclusive financial business represents the main situation of commercial banks developing inclusive finance.Therefore,the development of inclusive financial business will definitely affect the performance of commercial banks,in order to make commercial banks With sustainable development,this paper has a certain practical significance to study the impact of the development of inclusive financial business on the performance of commercial banks.This paper studies the impact of inclusive financial services on the performance of commercial banks.Firstly,it sorts out the theoretical basis of inclusive finance,namely financial development and financial deepening theory,financial exclusion and inclusive financial theory,information asymmetry theory,and summarizes the current research literature.Financial service coverage is an important indicator for the development of inclusive finance.From this perspective,this paper selects two indicators: the number of institutions/10,000 square kilometers and the number of employees/10,000 square kilometers.From the perspective of the availability of financial services,small and micro enterprise loans/total 5 indicators such as loans,institutions/100,000 people,number of employees/100,000 people,balance of per capita loans,and balance of per capita deposits.Selected 10 commercial banks with complete data,taking the relevant indicators in the company's annual report for 2011-2017 as sample data,and based on the annual report data of commercial banks,compiled relevant charts for the development of commercial banks' inclusive financial business.The existing problems are analyzed.The case study takes 10 commercial banks as an example.Firstly,it analyzes the achievements and problems of commercial banks in developing inclusive financial business,and draws four achievements of commercial banks in carrying out inclusive financial business: the loan is heavily invested,and the number of online banking users The rise,the bank's affordable housing project loans,and the overall increase in agriculture-related loans.Four points were also analyzed: Internet financial shocks,asymmetric information on small and micro enterprises,weak financial infrastructure,and high credit card issuance.Using the more objective and accurate coefficient of variation method to calculate the indicators,the chart shows the trend of the 10 incomparable financial indexes of commercial banks.It is obvious that the development of inclusive financial services of commercial banks is getting faster and faster,reflecting the development of commercial banks.The degree of emphasis on financial business.In the empirical part,based on the three-sex principle of commercial banks,the non-performing loan ratio,the return on net assets,the capital adequacy ratio,and the cost-to-income ratio are selected as the explanatory variables,and the inclusive financial development index is used as the explanatory variable,and the control variable is the inflation rate.Bank size,interest rate liberalization and broad money supply growth rate.Using STATA to regression the panel data of 10 commercial banks for 7 years,through multi-collinearity test and Hausmann test,it is proved that the fixed effect model should be selected for empirical analysis.The last part is conclusions and suggestions.According to the previous research,it analyzes and summarizes the factors affecting the development of inclusive financial business,and the impact of inclusive financial business on commercial banks.Then it puts forward four suggestions.First,develop Internet finance and innovate finance.The second is to improve the credit file system;the third is to strengthen infrastructure construction;the fourth is to innovate credit card business.