Research On The Development Of Inclusive Financial Policy By State-owned Commercial Banks

Due to the restriction of service technology and cost,the traditional financial institutions will exclude the low income groups outside the scope of service,forming financial exclusion,which makes this part of the group unable to get the same financial services as the rich,and there are a large number of small and micro enterprises with low income population in our country,and this part of the population and enterprises are mostly concentrated in the rural areas.If the bank refuses to provide the loan service to this part of the population,the problem of "three rural" will not be effectively solved.At the same time,it will also aggravate the difficulty of financing for small and micro enterprises,which is not conducive to the sustainable development of the financial industry in China,and will also lead to the problems of private financial risk.Therefore,the Bank of state owned commercial banks,as state-owned assets,should not provide financial services as selectively as the traditional commercial banks,but take social responsibility and should Actively integrate into the national inclusive financial strategy,eliminate financial exclusion,and actively solve the financing problems of low-income groups and small and micro enterprises in China.Inclusive Finance is a kind of financial services for all strata,including the whole society,including the poverty-stricken class.The development of Inclusive Finance has been highly valued by all countries all over the world.China has begun to formulate inclusive financial strategies and promulgated policy measures to guide and motivate state-owned commercial banks to develop inclusive finance.It is under such a background that the Chengdu branch of China Postal Savings Bank(hereinafter referred to as "Chengdu post Reserve Bank")has also begun to integrate into the Pratt and whiten financial strategy of China,so as to solve the problem of "three rural" and the financing problems of small and micro enterprises and urban poor groups.However,due to the short development time of Pratt and Inclusive Finance in our country,the development is not perfect,and the state-owned banks themselves have more or less problems.Thus,there are many problems in its integration into the national inclusive financial strategy,which affects the sustainable development of Inclusive Finance.In view of this,this article will take the Chengdu postal savings bank as an example to analyze the current situation of the integration of state-owned banks into China's inclusive financial strategy,find out the existing problems,and put forward the corresponding inclusive financial integration path from the two aspects of the government policy mechanism and the internal system of the bank.This article is divided into the following parts: the first part is the introduction,which mainly includes the research background and the significance of the topic,the research status at home and abroad,the research methods and the structure of the paper,the innovation.The second part discusses the connotation of state-owned commercial banks and the related concepts and theoretical basis for the development of inclusive finance,laying a theoretical foundation for the writing of the thesis.The third part is the development of inclusive finance.Firstly,it summarizes the current development status of inclusive finance in China.Then,based on the analysis of the policy measures and development effects of the development of inclusive finance in China's state-owned commercial banks,it is from the perspective of public policy.The problems of the development of inclusive finance in China's state-owned commercial banks are mentioned.The fourth part is the analysis of the status quo of the development of inclusive finance by the Chengdu Branch of the Postal Savings Bank.Based on the analysis of the status quo,the specific practices of developing inclusive finance are explained.The results also pointed out the problems and causes of the analysis;the fifth part is to promote the development of the inclusive finance of the Chengdu Branch of the Postal Savings Bank,mainly from the perspective of public policy;the sixth part is the conclusion,mainly to summarize the viewpoint of this article Sexual overview,and pointed out the shortcomings of this study.It is hoped that the research in this paper can provide a reference for the Chengdu Branch of the Postal Savings Bank and more state-owned commercial banks to integrate into the national inclusive financial strategy to ensure the smooth development of China's inclusive finance.