A Study On The Inclusive Financial Services For Small And Micro Enterprises In Shanxi Branch Of China Construction Bank

The concept of inclusive finance was first proposed by the blue book on inclusive financial system of the United Nations in 2005.It refers to the financial services provided at affordable cost to various social classes and groups with financial service needs.The vulnerable groups such as small and microenterprises,farmers and urban low-income groups are its key service objects.In the past decade,the concept of inclusive finance has been from the proposal to the universal implementation,its influence is increasing day by day and its positive effect is becoming more and more obvious.Inclusive finance helps to realize financial fairness and enables more people to obtain financial services through inclusive finance,Especially for the vast number of small and micro enterprises in our country,inclusive finance can provide comprehensive financial services for small and micro enterprises and solve the problem of financing difficulty and expensiveness in small and microenterprises for many years so as to make small and micro enterprises have the same right access to financial services as large enterprises and enjoy more financialservices.Thus,it is beneficial for small and micro enterprises to be bigger and stronger,and make it play a greater role in the development of China's socialist market economy and better promote alll-round Development of China's Economy and Society.In recent years,The CPC Central Committee and The State Council have attached great importance to the development of inclusive finance and elevated the "development of inclusive finance" to the national strategic level.So far,a series of policies and measures have been adopted to protect the development of inclusive finance and escort the smooth development of inclusive finance.Under the great attention and policy guidance of the central government,Shanxi Branch of China Construction Bank actively responds to the call of the government,vigorously develops inclusive finance business,actively implements the important spirit of the state council supporting the development of small and micro enterprises and has made remarkable achievements in supporting small and micro enterprises.However,due to various reasons,there are still many difficulties and problems in the specific implementation and promotion of inclusive finance.As a result,there is not well achieved the original intention in terms of supporting the development of small and micro enterprises and developing and driving bank-related businesses.Therefore,this paper attempts to take the study on the inclusive financial services for small and micro enterprises inShanxi Branch of China Construction Bank as a title,comprehensive analyzes the status quo of inclusive financial services to small and micro enterprises in Shanxi Branch of China Construction Bank at present,explores the main problems,then analyzes the deep reasons of these problems,and puts forward purposeful refection measures on how to develop the inclusive finance and inclusive finance services for small and micro enterprises.This paper aims to enhance the service efficiency and service ability of inclusive finance service for small and micro enterprises and effectively solve the problems of financing difficulties and financing problems of small and micro enterprises,promote the sustainable and healthy development of small and micro enterprises so as to better improve the livelihood of the people,promote social equity and harmony,promote the transformation and upgrading of economic development mode and make contribution to the transformation and leapfrog development of local of Shanxi local economy.The research content of this thesis mainly includes six parts: the first part is the introduction.It mainly introduces the background,purpose and significance of the topic,at the same time,this part summarizes the research status and development trends at home and abroad.It also clarifies the main contents and methods of this paper,as well as the difficult points and innovation points.The second part is the definition of relevant concepts and the theoretical basis.It mainly introduces theinclusive finance and small and micro enterprise concepts,financial innovation theory and financial risk management theory involved in the specific research process.The third part is the current situation of the small and micro enterprises of the inclusive financial services of the Shanxi Branch of the Construction Bank.It mainly introduces the basic situation of the construction bank's Shanxi branch to carry out inclusive financial business and inclusive financial services for small and micro enterprises.The fourth part is the analysis of the main problems and causes in the small and micro enterprises of the inclusive financial services of the Shanxi Branch of the Construction Bank.It mainly analyzes the main problems existing in the small and micro enterprises of the inclusive financial services of the Construction Bank of Shanxi Branch and the underlying causes of the problems.The fifth part is the countermeasures and suggestions for the construction of the Bank of Shanxi Branch inclusive financial services for small and micro enterprises.Based on the analysis of the problems and causes presented in the previous chapter,the corresponding countermeasures and suggestions are put forward.The sixth part is the conclusion and outlook.It mainly summarizes the research contents and results of this thesis,and points out the inadequacies of the research and the direction of future research and efforts.